GARFA Stock Overview
Garanti Faktoring A.S. provides factoring services to industrial and commercial firms.
Garanti Faktoring Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₺13.99|
|52 Week High||₺19.04|
|52 Week Low||₺7.67|
|1 Month Change||8.37%|
|3 Month Change||-6.73%|
|1 Year Change||46.49%|
|3 Year Change||433.97%|
|5 Year Change||238.74%|
|Change since IPO||137,529.12%|
Recent News & Updates
|GARFA||TR Diversified Financial||TR Market|
Return vs Industry: GARFA exceeded the TR Diversified Financial industry which returned 3.2% over the past year.
Return vs Market: GARFA underperformed the TR Market which returned 71.6% over the past year.
|GARFA Average Weekly Movement||5.5%|
|Diversified Financial Industry Average Movement||4.7%|
|Market Average Movement||5.9%|
|10% most volatile stocks in TR Market||8.8%|
|10% least volatile stocks in TR Market||4.2%|
Stable Share Price: GARFA is not significantly more volatile than the rest of TR stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: GARFA's weekly volatility (6%) has been stable over the past year.
About the Company
Garanti Faktoring A.S. provides factoring services to industrial and commercial firms. The company provides financing, guarantee, and commercial collection management services in selling goods/services; and supplier financing services in buying goods/services. It serves SMEs, import and export companies, and other corporations through a network of 11 branches in Turkey.
Garanti Faktoring Fundamentals Summary
|GARFA fundamental statistics|
Is GARFA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|GARFA income statement (TTM)|
|Cost of Revenue||₺30.69m|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||2.54|
|Net Profit Margin||66.80%|
How did GARFA perform over the long term?See historical performance and comparison
Is GARFA undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for GARFA?
Other financial metrics that can be useful for relative valuation.
|What is GARFA's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does GARFA's PE Ratio compare to its peers?
|GARFA PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
VAKFN Vakif Finansal Kiralama
GLCVY Gelecek Varlik Yönetimi Anonim Sirketi
LIDFA Lider Faktoring
ISFIN Is Finansal Kiralama Anonim Sirketi
GARFA Garanti Faktoring
Price-To-Earnings vs Peers: GARFA is good value based on its Price-To-Earnings Ratio (5.5x) compared to the peer average (8.6x).
Price to Earnings Ratio vs Industry
How does GARFA's PE Ratio compare vs other companies in the Asian Diversified Financial Industry?
Price-To-Earnings vs Industry: GARFA is good value based on its Price-To-Earnings Ratio (5.5x) compared to the TR Diversified Financial industry average (13.4x)
Price to Earnings Ratio vs Fair Ratio
What is GARFA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||5.5x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate GARFA's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of GARFA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: GARFA (TRY13.99) is trading above our estimate of fair value (TRY2.03)
Significantly Below Fair Value: GARFA is trading above our estimate of fair value.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Garanti Faktoring forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Garanti Faktoring has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Check out Garanti Faktoring's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
How has Garanti Faktoring performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GARFA has high quality earnings.
Growing Profit Margin: GARFA's current net profit margins (66.8%) are lower than last year (98.1%).
Past Earnings Growth Analysis
Earnings Trend: GARFA's earnings have grown significantly by 57.5% per year over the past 5 years.
Accelerating Growth: GARFA's earnings growth over the past year (107%) exceeds its 5-year average (57.5% per year).
Earnings vs Industry: GARFA earnings growth over the past year (107%) exceeded the Diversified Financial industry 103.2%.
Return on Equity
High ROE: Whilst GARFA's Return on Equity (42.08%) is outstanding, this metric is skewed due to their high level of debt.
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How is Garanti Faktoring's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: GARFA's short term assets (TRY4.7B) exceed its short term liabilities (TRY4.3B).
Long Term Liabilities: GARFA's short term assets (TRY4.7B) exceed its long term liabilities (TRY26.8M).
Debt to Equity History and Analysis
Debt Level: GARFA's net debt to equity ratio (858.9%) is considered high.
Reducing Debt: GARFA's debt to equity ratio has reduced from 1281.7% to 880.5% over the past 5 years.
Debt Coverage: GARFA's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if GARFA's interest payments on its debt are well covered by EBIT.
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What is Garanti Faktoring current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Cash Flow Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate GARFA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate GARFA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if GARFA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if GARFA's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as GARFA has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Kaya Yildirim (57 yo)
Mr. Kaya Yildirim serves as Chief Executive Officer/General Manager at Garanti Faktoring AS since 2018 and its Executive Director since August 1, 2018.
Experienced Board: GARFA's board of directors are considered experienced (3.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Garanti Faktoring A.S.'s employee growth, exchange listings and data sources
- Name: Garanti Faktoring A.S.
- Ticker: GARFA
- Exchange: IBSE
- Founded: 1990
- Industry: Specialized Finance
- Sector: Diversified Financials
- Implied Market Cap: ₺1.112b
- Shares outstanding: 79.50m
- Website: https://www.garantibbvafactoring.com
Number of Employees
- Garanti Faktoring A.S.
- CamCesme, Tersane Caddesi No: 15 Pendik
- B Blok
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/06 00:00|
|End of Day Share Price||2022/08/05 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.