Garanti Faktoring A.S. (GARFA) Fair Value & Analysis
Financial Services · TR · Market cap 10.5B TRY
Fair value as of: Aug 8, 2026
From 23 valuation models · updated yesterday
Share price −2.2% over the past month.
Below-average quality, screening 100% undervalued on our models.
What matters now
- The price is below even our cautious bear case (29.20 TRY). The market is more pessimistic than our downside scenario.
- The model range is unusually wide (29.20 TRY to 128.94 TRY). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid quality (46/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 8, 2026.
How to read this chart
60‑month range 1.60 TRY – 41.20 TRY · fair‑value band 29.20 TRY – 128.94 TRY · the 26.40 TRY price screens below the 52.80 TRY fair value. Dashed = 300-day average. As of Aug 8, 2026.
Analysis
Garanti Faktoring A.S. (GARFA) currently trades at 26.40 TRY, while our model-based Fair Value estimate is 52.80 TRY, implying the stock looks roughly 100.0% undervalued today. The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Garanti Faktoring A.S. generated revenue of 4.1B TRY at a net margin of 63.5%. Revenue grew 39.8% year over year. It earns a return on equity of 48.2%. Net debt stands at 27.5B TRY. Fundamentals as of Aug 8, 2026
Our scenario range runs from 29.20 TRY (bear case) to 128.94 TRY (bull case); at 26.40 TRY, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 30% below its 52-week high and 11% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 100%, GARFA screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 23 models by family
Widest divergence: Growth Earnings (505.17 TRY) versus Economic Profit (0.0836 TRY). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 8, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 37 · Market factors (momentum, volatility) 42
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Garanti Faktoring A.S. provides factoring services to industrial and commercial firms. The company offers financing, cash flow management, guarantee, and collection services in selling goods/services; and supplier financing services in buying goods/services. It serves SMEs, and corporations through supplier and dealer networks in Turkey.
Full company description
Garanti Faktoring A.S. provides factoring services to industrial and commercial firms. The company offers financing, cash flow management, guarantee, and collection services in selling goods/services; and supplier financing services in buying goods/services. It serves SMEs, 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. is a subsidiary of Turkiye Garanti Bankasi A.S.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Garanti Faktoring A.S. reported revenue of 4.0B TRL in FY2025 versus 284M TRL in FY2021, a compound +93.9%/yr. Reported net income was 2.1B TRL in FY2025, compounding +100.5%/yr from FY2021.
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Peer Group
Credit Services · 335 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 8, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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