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Garanti Faktoring AS
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PenkeI guess you are interested in Garanti Faktoring AS. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Garanti Faktoring AS. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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Quick analysis of Garanti Faktoring AS (30 sec.)










What can you expect buying and holding a share of Garanti Faktoring AS? (30 sec.)

How much money do you get?

How much money do you get?
₺0.00
When do you have the money?
1 year
How often do you get paid?
0.0%

What is your share worth?

Current worth
₺1.01
Expected worth in 1 year
₺1.59
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
₺0.58
Return On Investment
2.0%

For what price can you sell your share?

Current Price per Share
₺29.46
Expected price per share
₺20.94 - ₺32.10
How sure are you?
50%

1. Valuation of Garanti Faktoring AS (5 min.)




Live pricePrice per Share (EOD)

₺29.46

Intrinsic Value Per Share

₺-28.74 - ₺-34.46

Total Value Per Share

₺-27.73 - ₺-33.45

2. Growth of Garanti Faktoring AS (5 min.)




Is Garanti Faktoring AS growing?

Current yearPrevious yearGrowGrow %
How rich?$63m$20.4m$29.5m59.1%

How much money is Garanti Faktoring AS making?

Current yearPrevious yearGrowGrow %
Making money$9m$3.5m$5.5m60.9%
Net Profit Margin56.8%55.6%--

How much money comes from the company's main activities?

3. Financial Health of Garanti Faktoring AS (5 min.)




4. Comparing to competitors in the Credit Services industry (5 min.)




  Industry Rankings (Credit Services)  


Richest
#166 / 252

Most Revenue
#168 / 252

Most Profit
#113 / 252

What can you expect buying and holding a share of Garanti Faktoring AS? (5 min.)

Welcome investor! Garanti Faktoring AS's management wants to use your money to grow the business. In return you get a share of Garanti Faktoring AS.

What can you expect buying and holding a share of Garanti Faktoring AS?

First you should know what it really means to hold a share of Garanti Faktoring AS. And how you can make/lose money.

Speculation

The Price per Share of Garanti Faktoring AS is ₺29.46. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Garanti Faktoring AS.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Garanti Faktoring AS, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is ₺1.01. Based on the TTM, the Book Value Change Per Share is ₺0.15 per quarter. Based on the YOY, the Book Value Change Per Share is ₺0.06 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is ₺0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Garanti Faktoring AS.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Book Value Change Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Price Per Share5.40-2.92-0.59-0.86-0.47-
Price to Earnings Ratio307.39-163.77-86.46-178.23-192.40-
Price-to-Total Gains Ratio1,229.57-654.23-349.68-697.31-794.83-
Price to Book Ratio170.41-109.78-57.49-75.21-50.75-
Price-to-Total Gains Ratio1,229.57-654.23-349.68-697.31-794.83-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.922098
Number of shares1084
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.000.00
Usd Total Gains Per Share0.000.00
Gains per Quarter (1084 shares)4.921.58
Gains per Year (1084 shares)19.686.33
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10201006-4
2039300132
3059500198
40797002514
50989003220
6011811003826
7013813004432
8015715005138
9017717005744
10019719006350

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%19.01.00.095.0%37.03.00.092.5%77.03.00.096.3%
Book Value Change Per Share4.00.00.0100.0%12.00.00.0100.0%19.01.00.095.0%36.03.01.090.0%59.08.013.073.8%
Dividend per Share0.00.04.00.0%0.00.012.00.0%0.00.020.00.0%0.00.040.00.0%0.00.080.00.0%
Total Gains per Share4.00.00.0100.0%12.00.00.0100.0%19.01.00.095.0%36.03.01.090.0%59.08.013.073.8%

Fundamentals of Garanti Faktoring AS

About Garanti Faktoring AS

Garanti Faktoring A.S. provides factoring services to industrial and commercial firms. The company offers financing, guarantee, and collection services in selling goods/services; and supplier financing services in buying goods/services. It serves SMEs, import and export companies, and corporations through supplier and dealer networks in Turkey. The company was formerly known as Garanti Faktoring Hizmetleri A.S and changed its name to Garanti Faktoring A.S. in April 2014. Garanti Faktoring A.S. was incorporated in 1990 and is headquartered in Istanbul, Turkey. Garanti Faktoring A.S. operates as a subsidiary of Türkiye Garanti Bankasi A.S.

Fundamental data was last updated by Penke on 2024-05-16 16:05:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is expensive.
Based on the earnings, the company is expensive.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Garanti Faktoring AS.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Garanti Faktoring AS earns for each ₤1 of revenue.

  • Above 10% is considered healthy but always compare Garanti Faktoring AS to the Credit Services industry mean.
  • A Net Profit Margin of 50.8% means that ₤0.51 for each ₤1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Garanti Faktoring AS:

  • The MRQ is 50.8%. The company is making a huge profit. +2
  • The TTM is 56.8%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ50.8%TTM56.8%-6.0%
TTM56.8%YOY55.6%+1.2%
TTM56.8%5Y40.5%+16.3%
5Y40.5%10Y18.1%+22.4%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ50.8%12.1%+38.7%
TTM56.8%14.2%+42.6%
YOY55.6%16.6%+39.0%
5Y40.5%16.1%+24.4%
10Y18.1%14.4%+3.7%
1.1.2. Return on Assets

Shows how efficient Garanti Faktoring AS is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Garanti Faktoring AS to the Credit Services industry mean.
  • 2.3% Return on Assets means that Garanti Faktoring AS generated ₤0.02 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Garanti Faktoring AS:

  • The MRQ is 2.3%. Using its assets, the company is less efficient in making profit.
  • The TTM is 2.4%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ2.3%TTM2.4%-0.1%
TTM2.4%YOY1.5%+0.9%
TTM2.4%5Y1.1%+1.3%
5Y1.1%10Y0.6%+0.5%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ2.3%0.9%+1.4%
TTM2.4%0.9%+1.5%
YOY1.5%0.8%+0.7%
5Y1.1%0.8%+0.3%
10Y0.6%0.7%-0.1%
1.1.3. Return on Equity

Shows how efficient Garanti Faktoring AS is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Garanti Faktoring AS to the Credit Services industry mean.
  • 13.9% Return on Equity means Garanti Faktoring AS generated ₤0.14 for each ₤1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Garanti Faktoring AS:

  • The MRQ is 13.9%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 19.1%. Using its investors money, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ13.9%TTM19.1%-5.3%
TTM19.1%YOY16.9%+2.2%
TTM19.1%5Y11.5%+7.6%
5Y11.5%10Y6.7%+4.9%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ13.9%3.2%+10.7%
TTM19.1%3.2%+15.9%
YOY16.9%3.6%+13.3%
5Y11.5%3.0%+8.5%
10Y6.7%3.3%+3.4%

1.2. Operating Efficiency of Garanti Faktoring AS.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Garanti Faktoring AS is operating .

  • Measures how much profit Garanti Faktoring AS makes for each ₤1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Garanti Faktoring AS to the Credit Services industry mean.
  • An Operating Margin of 0.0% means the company generated ₤0.00  for each ₤1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Garanti Faktoring AS:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-23.7%-23.7%
TTM-19.5%-19.5%
YOY-28.3%-28.3%
5Y-19.7%-19.7%
10Y-24.6%-24.6%
1.2.2. Operating Ratio

Measures how efficient Garanti Faktoring AS is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Credit Services industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are ₤0.00 for each ₤1 in net sales.

Let's take a look of the Operating Ratio trends of Garanti Faktoring AS:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.122-0.122
5Y0.12210Y0.143-0.021
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.847-0.847
TTM-0.831-0.831
YOY-0.813-0.813
5Y0.1220.793-0.671
10Y0.1430.744-0.601

1.3. Liquidity of Garanti Faktoring AS.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Garanti Faktoring AS is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Credit Services industry mean).
  • A Current Ratio of 0.00 means the company has ₤0.00 in assets for each ₤1 in short-term debts.

Let's take a look of the Current Ratio trends of Garanti Faktoring AS:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY5.352-5.352
TTM-5Y1.724-1.724
5Y1.72410Y1.092+0.633
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-2.345-2.345
TTM-2.936-2.936
YOY5.3522.953+2.399
5Y1.7244.254-2.530
10Y1.0924.746-3.654
1.3.2. Quick Ratio

Measures if Garanti Faktoring AS is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Garanti Faktoring AS to the Credit Services industry mean.
  • A Quick Ratio of 0.00 means the company can pay off ₤0.00 for each ₤1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Garanti Faktoring AS:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY5.252-5.252
TTM-5Y1.691-1.691
5Y1.69110Y1.073+0.619
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-1.655-1.655
TTM-1.898-1.898
YOY5.2522.332+2.920
5Y1.6913.792-2.101
10Y1.0733.900-2.827

1.4. Solvency of Garanti Faktoring AS.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Garanti Faktoring AS assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Garanti Faktoring AS to Credit Services industry mean.
  • A Debt to Asset Ratio of 0.83 means that Garanti Faktoring AS assets are financed with 83.4% credit (debt) and the remaining percentage (100% - 83.4%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Garanti Faktoring AS:

  • The MRQ is 0.834. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.868. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.834TTM0.868-0.034
TTM0.868YOY0.913-0.044
TTM0.8685Y0.909-0.041
5Y0.90910Y0.922-0.013
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8340.726+0.108
TTM0.8680.713+0.155
YOY0.9130.708+0.205
5Y0.9090.688+0.221
10Y0.9220.677+0.245
1.4.2. Debt to Equity Ratio

Measures if Garanti Faktoring AS is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Garanti Faktoring AS to the Credit Services industry mean.
  • A Debt to Equity ratio of 503.3% means that company has ₤5.03 debt for each ₤1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Garanti Faktoring AS:

  • The MRQ is 5.033. The company is unable to pay all its debts with equity. -1
  • The TTM is 7.034. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ5.033TTM7.034-2.001
TTM7.034YOY10.724-3.690
TTM7.0345Y10.617-3.583
5Y10.61710Y12.779-2.162
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ5.0332.514+2.519
TTM7.0342.489+4.545
YOY10.7242.261+8.463
5Y10.6172.275+8.342
10Y12.7792.407+10.372

2. Market Valuation of Garanti Faktoring AS

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every ₤1 in earnings Garanti Faktoring AS generates.

  • Above 15 is considered overpriced but always compare Garanti Faktoring AS to the Credit Services industry mean.
  • A PE ratio of 307.39 means the investor is paying ₤307.39 for every ₤1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Garanti Faktoring AS:

  • The EOD is 52.467. Based on the earnings, the company is expensive. -2
  • The MRQ is 307.393. Based on the earnings, the company is expensive. -2
  • The TTM is 163.771. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD52.467MRQ307.393-254.926
MRQ307.393TTM163.771+143.622
TTM163.771YOY86.461+77.310
TTM163.7715Y178.229-14.458
5Y178.22910Y192.398-14.169
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD52.4677.776+44.691
MRQ307.3937.110+300.283
TTM163.7717.110+156.661
YOY86.4617.171+79.290
5Y178.2298.995+169.234
10Y192.39811.959+180.439
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Garanti Faktoring AS:

  • The EOD is -17.930. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -105.046. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -37.097. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-17.930MRQ-105.046+87.117
MRQ-105.046TTM-37.097-67.949
TTM-37.097YOY-1,836.933+1,799.836
TTM-37.0975Y559.210-596.307
5Y559.21010Y279.605+279.605
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-17.9300.294-18.224
MRQ-105.0460.362-105.408
TTM-37.0970.079-37.176
YOY-1,836.933-0.331-1,836.602
5Y559.2100.240+558.970
10Y279.605-0.015+279.620
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Garanti Faktoring AS is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Credit Services industry mean).
  • A PB ratio of 170.41 means the investor is paying ₤170.41 for each ₤1 in book value.

Let's take a look of the Price to Book Ratio trends of Garanti Faktoring AS:

  • The EOD is 29.086. Based on the equity, the company is expensive. -2
  • The MRQ is 170.407. Based on the equity, the company is expensive. -2
  • The TTM is 109.782. Based on the equity, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD29.086MRQ170.407-141.321
MRQ170.407TTM109.782+60.625
TTM109.782YOY57.492+52.291
TTM109.7825Y75.207+34.576
5Y75.20710Y50.747+24.460
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD29.0860.882+28.204
MRQ170.4070.871+169.536
TTM109.7820.909+108.873
YOY57.4921.001+56.491
5Y75.2071.221+73.986
10Y50.7471.315+49.432
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Garanti Faktoring AS compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.1400.145-3%0.056+149%0.047+201%0.024+491%
Book Value Per Share--1.0130.804+26%0.329+208%0.298+240%0.193+424%
Current Ratio----0%5.352-100%1.724-100%1.092-100%
Debt To Asset Ratio--0.8340.868-4%0.913-9%0.909-8%0.922-10%
Debt To Equity Ratio--5.0337.034-28%10.724-53%10.617-53%12.779-61%
Dividend Per Share----0%-0%-0%-0%
Eps--0.1400.145-3%0.057+147%0.047+200%0.024+481%
Free Cash Flow Per Share---0.411-0.327-20%0.105-493%-0.073-82%-0.073-82%
Free Cash Flow To Equity Per Share---0.411-0.327-20%0.016-2676%-0.071-83%-0.071-83%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max---34.464--------
Intrinsic Value_10Y_min---28.739--------
Intrinsic Value_1Y_max---0.821--------
Intrinsic Value_1Y_min---0.805--------
Intrinsic Value_3Y_max---4.473--------
Intrinsic Value_3Y_min---4.230--------
Intrinsic Value_5Y_max---10.544--------
Intrinsic Value_5Y_min---9.614--------
Market Cap58551750942.720-486%343042505523.200185110784230.400+85%37469344353.280+816%54740719631.360+527%29668903602.688+1056%
Net Profit Margin--0.5080.568-11%0.556-9%0.405+25%0.181+180%
Operating Margin----0%-0%-0%-0%
Operating Ratio----0%-0%0.122-100%0.143-100%
Pb Ratio29.086-486%170.407109.782+55%57.492+196%75.207+127%50.747+236%
Pe Ratio52.467-486%307.393163.771+88%86.461+256%178.229+72%192.398+60%
Price Per Share29.460-486%172.60093.138+85%18.853+816%27.543+527%14.928+1056%
Price To Free Cash Flow Ratio-17.930+83%-105.046-37.097-65%-1836.933+1649%559.210-119%279.605-138%
Price To Total Gains Ratio209.868-486%1229.574654.232+88%349.684+252%697.315+76%794.832+55%
Quick Ratio----0%5.252-100%1.691-100%1.073-100%
Return On Assets--0.0230.024-3%0.015+57%0.011+107%0.006+279%
Return On Equity--0.1390.191-28%0.169-18%0.115+20%0.067+107%
Total Gains Per Share--0.1400.145-3%0.056+149%0.047+201%0.024+491%
Usd Book Value--63009247.50050003268.050+26%20444025.375+208%18558779.425+240%12030353.755+424%
Usd Book Value Change Per Share--0.0040.005-3%0.002+149%0.001+201%0.001+491%
Usd Book Value Per Share--0.0320.025+26%0.010+208%0.009+240%0.006+424%
Usd Dividend Per Share----0%-0%-0%-0%
Usd Eps--0.0040.005-3%0.002+147%0.001+200%0.001+481%
Usd Free Cash Flow---25553539.100-20346001.600-20%6503075.800-493%-3868083.735-85%-1934041.868-92%
Usd Free Cash Flow Per Share---0.013-0.010-20%0.003-493%-0.002-82%-0.002-82%
Usd Free Cash Flow To Equity Per Share---0.013-0.010-20%0.000-2676%-0.002-83%-0.002-83%
Usd Market Cap1832669804.507-486%10737230422.8765793967546.412+85%1172790478.258+816%1713384524.462+527%928636682.764+1056%
Usd Price Per Share0.922-486%5.4022.915+85%0.590+816%0.862+527%0.467+1056%
Usd Profit--8732480.9009046795.500-3%3535788.850+147%2905240.960+201%1501201.210+482%
Usd Revenue--17195907.00016075656.525+7%6433347.225+167%5647987.970+204%3958700.365+334%
Usd Total Gains Per Share--0.0040.005-3%0.002+149%0.001+201%0.001+491%
 EOD+3 -5MRQTTM+11 -18YOY+18 -135Y+22 -1010Y+22 -10

3.2. Fundamental Score

Let's check the fundamental score of Garanti Faktoring AS based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1552.467
Price to Book Ratio (EOD)Between0-129.086
Net Profit Margin (MRQ)Greater than00.508
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.834
Debt to Equity Ratio (MRQ)Less than15.033
Return on Equity (MRQ)Greater than0.150.139
Return on Assets (MRQ)Greater than0.050.023
Total2/10 (20.0%)

3.3. Technical Score

Let's check the technical score of Garanti Faktoring AS based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
OpenGreater thanClose28.760
Total0/1 (0.0%)



Latest Balance Sheet

Balance Sheet of 2024-03-31. Currency in TRY. All numbers in thousands.

Summary
Total Assets12,145,377
Total Liabilities10,132,302
Total Stockholder Equity2,013,075
 As reported
Total Liabilities 10,132,302
Total Stockholder Equity+ 2,013,075
Total Assets = 12,145,377

Assets

Total Assets12,145,377
Total Current Assets-
Long-term Assets-
Total Current Assets
Cash And Cash Equivalents 58,524
Total Current Assets  (as reported)0
Total Current Assets  (calculated)58,524
+/- 58,524
Long-term Assets
Property Plant Equipment 4,312
Long Term Investments 5,627
Intangible Assets 42,891
Long-term Assets  (as reported)0
Long-term Assets  (calculated)52,830
+/- 52,830

Liabilities & Shareholders' Equity

Total Current Liabilities-
Long-term Liabilities-
Total Stockholder Equity2,013,075
Total Current Liabilities
Accounts payable 52,990
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)52,990
+/- 52,990
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 1,324,077
Total Stockholder Equity (as reported)2,013,075
Total Stockholder Equity (calculated)1,324,077
+/- 688,998
Other
Capital Stock397,500
Common Stock Shares Outstanding 1,987,500
Net Debt 9,666,698
Net Invested Capital 11,738,297
Property Plant and Equipment Gross 18,428



Balance Sheet

Currency in TRY. All numbers in thousands.

 Trend2024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302010-12-312010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-03-312002-12-312001-12-312000-12-31
> Total Assets 
97,034,169,000
47,112,521,000
94,474,307,000
0
112,787,268,000
99,075,048,000
0
105,524,957,000
115,038
115,038
132,910
132,910
356,886
356,886
475,343
475,343
673,246
673,238
0
635,374
645,656
758,412
0
916,058
749,254
749,254
0
958,930
1,132,913
1,138,299
0
1,415,717
1,565,565
1,214,501
992,741
1,275,030
1,239,005
1,574,961
1,395,782
1,955,227
1,573,807
1,677,702
1,492,411
2,059,653
1,730,267
2,243,527
2,477,042
2,989,573
2,827,945
3,073,715
2,922,598
2,970,521
2,553,174
2,865,398
2,301,607
2,899,452
0
2,776,376
2,624,677
3,451,881
3,256,828
2,793,197
2,482,889
2,434,060
2,181,596
1,732,732
1,947,528
2,201,627
2,141,745
2,551,020
2,752,991
2,912,563
3,207,407
3,943,471
3,805,461
4,355,909
4,876,494
4,792,227
5,675,351
9,670,054
11,323,566
13,225,966
11,662,029
11,823,172
12,145,377
12,145,37711,823,17211,662,02913,225,96611,323,5669,670,0545,675,3514,792,2274,876,4944,355,9093,805,4613,943,4713,207,4072,912,5632,752,9912,551,0202,141,7452,201,6271,947,5281,732,7322,181,5962,434,0602,482,8892,793,1973,256,8283,451,8812,624,6772,776,37602,899,4522,301,6072,865,3982,553,1742,970,5212,922,5983,073,7152,827,9452,989,5732,477,0422,243,5271,730,2672,059,6531,492,4111,677,7021,573,8071,955,2271,395,7821,574,9611,239,0051,275,030992,7411,214,5011,565,5651,415,71701,138,2991,132,913958,9300749,254749,254916,0580758,412645,656635,3740673,238673,246475,343475,343356,886356,886132,910132,910115,038115,038105,524,957,000099,075,048,000112,787,268,000094,474,307,00047,112,521,00097,034,169,000
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,749,855
2,598,719
3,428,582
3,208,260
2,743,738
2,425,776
2,362,505
2,099,240
1,652,494
1,875,226
2,128,310
2,071,700
2,482,461
2,684,957
2,852,114
3,155,223
3,890,050
3,760,467
4,308,937
4,813,407
4,736,126
5,614,730
9,585,149
11,191,414
0
0
0
0
000011,191,4149,585,1495,614,7304,736,1264,813,4074,308,9373,760,4673,890,0503,155,2232,852,1142,684,9572,482,4612,071,7002,128,3101,875,2261,652,4942,099,2402,362,5052,425,7762,743,7383,208,2603,428,5822,598,7192,749,855000000000000000000000000000000000000000000000000000000000
       Cash And Cash Equivalents 
8,230,120,000
949,291,000
4,089,722,000
0
835,530,000
733,950,000
0
4,969,838,000
577
577
6
6
81,479
81,479
86,696
86,696
152,458
152,458
0
23,077
120,084
120,084
0
58,779
56,279
56,279
0
208,367
256,984
256,984
0
206,213
108,334
179,601
7,319
7,092
3,085
2,117
1,242
108,326
50,630
2,152
1,963
45,171
2,668
5,896
6,484
4,815
39,055
9,910
11,546
40,254
11,803
6,488
114,038
9,603
0
5,007
14,969
19,196
15,942
57,033
18,772
19,778
28,635
18,754
32,811
5,902
15,458
17,075
20,003
11,748
40,405
48,538
36,391
24,699
34,486
37,175
33,263
45,966
45,713
160,203
39,610
56,337
58,524
58,52456,33739,610160,20345,71345,96633,26337,17534,48624,69936,39148,53840,40511,74820,00317,07515,4585,90232,81118,75428,63519,77818,77257,03315,94219,19614,9695,00709,603114,0386,48811,80340,25411,5469,91039,0554,8156,4845,8962,66845,1711,9632,15250,630108,3261,2422,1173,0857,0927,319179,601108,334206,2130256,984256,984208,367056,27956,27958,7790120,084120,08423,0770152,458152,45886,69686,69681,47981,479665775774,969,838,0000733,950,000835,530,00004,089,722,000949,291,0008,230,120,000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,722,719
2,578,468
3,384,052
3,183,352
2,682,872
2,389,479
2,339,601
2,068,044
1,631,317
1,841,248
2,107,816
2,055,251
2,425,934
2,623,166
2,794,029
3,070,686
3,798,281
3,679,593
4,154,618
4,725,585
4,628,802
5,493,548
9,474,185
10,981,912
0
0
0
0
000010,981,9129,474,1855,493,5484,628,8024,725,5854,154,6183,679,5933,798,2813,070,6862,794,0292,623,1662,425,9342,055,2512,107,8161,841,2481,631,3172,068,0442,339,6012,389,4792,682,8723,183,3523,384,0522,578,4682,722,719000000000000000000000000000000000000000000000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4,245
3,864
6,007
4,195
3,348
3,464
3,119
2,555
2,416
1,161
8,645
980
1,418
1,210
4,089
5,399
2,097
1,638
1,362
11
3,637
6,056
1,868
11
0
0
0
0
0000111,8686,0563,637111,3621,6382,0975,3994,0891,2101,4189808,6451,1612,4162,5553,1193,4643,3484,1956,0073,8644,245000000000000000000000000000000000000000000000000000000000
   > Long-term Assets 0000000000000000000000000000000000000000000000000000000000000000000000000000000000000
       Property Plant Equipment 
257,209,000
94,885,000
502,587,000
0
816,739,000
717,443,000
0
594,514,000
463
463
376
376
953
953
902
902
832
832
0
739
735
735
0
833
999
999
0
879
816
816
0
862
1,335
1,339
1,219
1,144
1,102
961
914
872
868
802
739
688
631
584
760
680
604
1,117
1,098
1,354
1,484
1,462
2,430
2,309
0
2,118
1,916
1,939
1,956
2,102
1,907
1,735
6,947
6,140
5,460
5,254
4,633
4,694
5,557
5,054
4,265
8,175
8,015
6,921
6,661
6,063
5,761
5,483
6,010
5,351
5,179
4,634
4,312
4,3124,6345,1795,3516,0105,4835,7616,0636,6616,9218,0158,1754,2655,0545,5574,6944,6335,2545,4606,1406,9471,7351,9072,1021,9561,9391,9162,11802,3092,4301,4621,4841,3541,0981,1176046807605846316887398028688729149611,1021,1441,2191,3391,3358620816816879099999983307357357390832832902902953953376376463463594,514,0000717,443,000816,739,0000502,587,00094,885,000257,209,000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
2
2
2
0
0
6
7
6
7
11
615
38,502
41,591
10
39,091
39,093
15
16
17
18
20
21
28
17,180
32
5,627
5,6273217,1802821201817161539,09339,0911041,59138,5026151176760022222000000000000000000000000000000000000000000000000000000000
       Intangible Assets 
31,239,000
24,150,000
69,860,000
0
71,031,000
62,395,000
0
75,658,000
60
60
79
79
471
471
517
517
566
566
0
616
600
600
0
1,015
977
977
0
1,374
1,480
1,480
0
1,314
1,442
1,491
1,368
1,410
1,557
1,333
1,338
1,542
1,509
1,821
2,127
2,414
2,837
2,984
3,196
3,351
3,699
3,606
3,666
3,751
4,048
4,098
4,898
5,219
0
5,500
5,609
5,491
6,053
6,607
7,100
7,638
8,338
8,789
9,174
9,424
8,103
10,208
10,485
11,244
10,947
11,097
10,901
11,058
10,605
11,068
11,037
10,978
15,259
18,956
22,698
29,126
42,891
42,89129,12622,69818,95615,25910,97811,03711,06810,60511,05810,90111,09710,94711,24410,48510,2088,1039,4249,1748,7898,3387,6387,1006,6076,0535,4915,6095,50005,2194,8984,0984,0483,7513,6663,6063,6993,3513,1962,9842,8372,4142,1271,8211,5091,5421,3381,3331,5571,4101,3681,4911,4421,31401,4801,4801,37409779771,015060060061605665665175174714717979606075,658,000062,395,00071,031,000069,860,00024,150,00031,239,000
> Total Liabilities 
82,322,143,000
36,134,240,000
79,049,222,000
0
92,721,324,000
81,448,640,000
0
86,357,353,000
93,532
93,532
110,563
110,563
332,669
332,669
448,757
448,757
644,436
644,428
0
603,930
611,126
723,882
0
877,801
707,641
707,641
0
912,135
1,087,035
1,086,532
0
1,358,038
1,515,548
1,161,556
934,367
1,190,508
1,147,465
1,479,390
1,294,592
1,850,216
1,463,250
1,561,912
1,374,499
1,939,587
1,606,607
2,111,591
2,341,036
2,849,190
2,681,589
2,920,625
2,764,692
2,804,759
2,381,302
2,685,903
2,120,740
2,713,999
0
2,576,554
2,417,907
3,238,895
3,035,947
2,570,518
2,279,427
2,278,515
2,022,711
1,564,905
1,776,223
2,037,643
1,971,423
2,369,565
2,553,355
2,698,973
2,964,863
3,664,886
3,495,946
4,010,803
4,464,567
4,311,773
5,095,235
8,977,980
10,463,555
12,070,127
10,174,831
10,089,090
10,132,302
10,132,30210,089,09010,174,83112,070,12710,463,5558,977,9805,095,2354,311,7734,464,5674,010,8033,495,9463,664,8862,964,8632,698,9732,553,3552,369,5651,971,4232,037,6431,776,2231,564,9052,022,7112,278,5152,279,4272,570,5183,035,9473,238,8952,417,9072,576,55402,713,9992,120,7402,685,9032,381,3022,804,7592,764,6922,920,6252,681,5892,849,1902,341,0362,111,5911,606,6071,939,5871,374,4991,561,9121,463,2501,850,2161,294,5921,479,3901,147,4651,190,508934,3671,161,5561,515,5481,358,03801,086,5321,087,035912,1350707,641707,641877,8010723,882611,126603,9300644,428644,436448,757448,757332,669332,669110,563110,56393,53293,53286,357,353,000081,448,640,00092,721,324,000079,049,222,00036,134,240,00082,322,143,000
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,451,995
2,293,002
3,096,195
2,892,430
2,566,945
2,275,236
1,861,383
1,599,398
1,373,301
1,624,990
1,913,320
1,963,365
2,360,493
2,542,924
2,688,176
2,954,593
3,654,569
3,481,054
3,989,082
4,407,396
4,284,957
5,060,895
8,654,125
618,735
0
0
0
0
0000618,7358,654,1255,060,8954,284,9574,407,3963,989,0823,481,0543,654,5692,954,5932,688,1762,542,9242,360,4931,963,3651,913,3201,624,9901,373,3011,599,3981,861,3832,275,2362,566,9452,892,4303,096,1952,293,0022,451,995000000000000000000000000000000000000000000000000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,563,846
1,909,949
2,278,741
2,001,667
2,047,564
1,710,302
1,346,535
997,861
976,323
1,318,739
1,891,993
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000001,891,9931,318,739976,323997,8611,346,5351,710,3022,047,5642,001,6672,278,7411,909,9492,563,846000000000000000000000000000000000000000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,563,846
1,909,949
2,278,741
2,001,667
2,047,564
1,710,302
1,346,535
997,861
976,323
1,318,739
1,891,993
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000001,891,9931,318,739976,323997,8611,346,5351,710,3022,047,5642,001,6672,278,7411,909,9492,563,846000000000000000000000000000000000000000000000000000000000
       Accounts payable 
23,413,675,000
18,375,378,000
49,982,150,000
0
0
35,362,430,000
0
28,318,399,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6,079
14,338
5,868
10,600
10,668
13,485
12,894
3,286
18,382
19,180
17,763
18,262
26,787
21,634
30,070
32,249
18,523
130,438
21,891
59,994
52,990
52,99059,99421,891130,43818,52332,24930,07021,63426,78718,26217,76319,18018,3823,28612,89413,48510,66810,6005,86814,3386,0790000000000000000000000000000000000000000000000000000000028,318,399,000035,362,430,0000049,982,150,00018,375,378,00023,413,675,000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,005
7,982
3,348
27,704
7,403
6,785
6,000
7,227
3,714
613
2,045
4,477
3,668
10,129
1,936
1,707
1,601
3,450
17,878
23,697
33,149
39,168
62,383
130,530
0
0
0
0
0000130,53062,38339,16833,14923,69717,8783,4501,6011,7071,93610,1293,6684,4772,0456133,7147,2276,0006,7857,40327,7043,3487,9825,005000000000000000000000000000000000000000000000000000000000
   > Long-term Liabilities 0000000000000000000000000000000000000000000000000000000000000000000000000000000000000
> Total Stockholder Equity
14,712,026,000
10,978,281,000
15,425,085,000
15,425,085,000
20,065,944,000
17,626,408,000
17,626,408,000
19,167,604,000
21,506
21,506
22,347
22,347
24,217
24,217
26,586
26,586
28,810
28,810
28,810
31,445
34,530
34,530
34,530
38,257
41,612
41,612
41,612
46,795
45,878
51,767
51,767
57,679
50,017
52,945
58,374
84,522
91,540
95,571
101,190
105,011
110,557
115,790
117,912
120,066
123,660
131,936
136,006
140,383
146,356
153,090
157,906
165,762
171,872
179,495
180,867
185,453
185,453
199,822
206,770
212,986
220,881
222,679
203,462
155,545
158,885
167,827
171,305
163,984
170,322
181,455
199,636
213,590
242,544
278,585
309,515
345,106
411,927
480,454
580,116
692,074
860,011
1,155,839
1,487,198
1,734,082
2,013,075
2,013,0751,734,0821,487,1981,155,839860,011692,074580,116480,454411,927345,106309,515278,585242,544213,590199,636181,455170,322163,984171,305167,827158,885155,545203,462222,679220,881212,986206,770199,822185,453185,453180,867179,495171,872165,762157,906153,090146,356140,383136,006131,936123,660120,066117,912115,790110,557105,011101,19095,57191,54084,52258,37452,94550,01757,67951,76751,76745,87846,79541,61241,61241,61238,25734,53034,53034,53031,44528,81028,81028,81026,58626,58624,21724,21722,34722,34721,50621,50619,167,604,00017,626,408,00017,626,408,00020,065,944,00015,425,085,00015,425,085,00010,978,281,00014,712,026,000
   Common Stock
10,000,000,000
15,000,000,000
82,865,578,000
0
94,334,369,000
82,865,578,000
0
89,607,435,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,000
15,989
15,989
0
15,989
16,849
16,849
0
16,849
17,960
17,960
0
19,280
19,280
19,280
0
21,000
21,000
21,000
21,000
21,000
21,000
21,000
21,000
21,000
21,000
21,000
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
0
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
79,500
0
0
0
0
000079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,500079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50079,50021,00021,00021,00021,00021,00021,00021,00021,00021,00021,00021,000019,28019,28019,280017,96017,96016,849016,84916,84915,989015,98915,98915,00015,00015,00015,00015,00015,00015,00015,00089,607,435,000082,865,578,00094,334,369,000082,865,578,00015,000,000,00010,000,000,000
   Retained Earnings Total Equity0000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 0000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Capital Surplus 0000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock0000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Other Stockholders Equity 0000-5,364-5,364-1,491-1,491-1,590-1,590-1,170-1,170-1,170-1,170-458-626-626-626-657-657-657-657-592-592-592-592-522-522000000000000000000000000000000000000000000000000000000000



Balance Sheet

Currency in TRY. All numbers in thousands.




Cash Flow

Currency in TRY. All numbers in thousands.