Garanti Faktoring A.S. (IST:GARFA)
Turkey
· Delayed Price · Currency is TRY 24.88
-0.20 (-0.80%)
Dec 5, 2025, 6:08 PM GMT+3
Garanti Faktoring A.S. Income Statement
Financials in millions TRY. Fiscal year is January - December.
Millions TRY. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
| Interest and Dividend Income | 8,648 | 5,511 | 3,220 | 1,301 | 621.49 | 297.65 | Upgrade
|
| Total Interest Expense | 5,445 | 3,219 | 2,178 | 750.71 | 417.86 | 188.75 | Upgrade
|
| Net Interest Income | 3,203 | 2,291 | 1,042 | 549.91 | 203.63 | 108.9 | Upgrade
|
| Commissions and Fees | 121.22 | 119.35 | 799.79 | 47.21 | 17.28 | 11.82 | Upgrade
|
| Revenue Before Loan Losses | 3,324 | 2,410 | 1,842 | 597.13 | 220.91 | 120.72 | Upgrade
|
| Provision for Loan Losses | 162.4 | 93.67 | 70.43 | 37.02 | 41.32 | 97.45 | Upgrade
|
| Revenue | 3,162 | 2,317 | 1,771 | 560.11 | 179.59 | 23.27 | Upgrade
|
| Revenue Growth (YoY) | 39.23% | 30.78% | 216.28% | 211.88% | 671.80% | -56.78% | Upgrade
|
| Salaries & Employee Benefits | 387.48 | 283.17 | 143.82 | 67.29 | 41.32 | 30.84 | Upgrade
|
| Cost of Services Provided | 222.93 | 162.87 | 158.65 | 47.88 | 29.11 | 19.14 | Upgrade
|
| Other Operating Expenses | -66.48 | -79.34 | 150.35 | 10.04 | -21.51 | -16.67 | Upgrade
|
| Total Operating Expenses | 543.93 | 366.7 | 452.83 | 125.2 | 48.92 | 33.31 | Upgrade
|
| Operating Income | 2,618 | 1,950 | 1,319 | 434.91 | 130.67 | -10.04 | Upgrade
|
| Currency Exchange Gain (Loss) | 18.03 | 4.34 | 49.55 | 19.95 | 28.5 | 72.33 | Upgrade
|
| Pretax Income | 2,778 | 2,047 | 1,483 | 464.5 | 167.03 | 64.67 | Upgrade
|
| Income Tax Expense | 835.84 | 608.73 | 438.06 | 113.76 | 35.09 | 14.52 | Upgrade
|
| Earnings From Continuing Ops. | 1,942 | 1,438 | 1,045 | 350.74 | 131.94 | 50.15 | Upgrade
|
| Net Income | 1,942 | 1,438 | 1,045 | 350.74 | 131.94 | 50.15 | Upgrade
|
| Net Income to Common | 1,942 | 1,438 | 1,045 | 350.74 | 131.94 | 50.15 | Upgrade
|
| Net Income Growth | 45.99% | 37.60% | 197.96% | 165.84% | 163.08% | 150.75% | Upgrade
|
| Shares Outstanding (Basic) | 398 | 398 | 398 | 398 | 398 | 398 | Upgrade
|
| Shares Outstanding (Diluted) | 398 | 398 | 398 | 398 | 398 | 398 | Upgrade
|
| EPS (Basic) | 4.89 | 3.62 | 2.63 | 0.88 | 0.33 | 0.13 | Upgrade
|
| EPS (Diluted) | 4.89 | 3.62 | 2.63 | 0.88 | 0.33 | 0.13 | Upgrade
|
| EPS Growth | 45.99% | 37.60% | 197.96% | 165.84% | 163.08% | 150.75% | Upgrade
|
| Free Cash Flow | -334.03 | 2,080 | -1,441 | 115.93 | 199.1 | -529.99 | Upgrade
|
| Free Cash Flow Per Share | -0.84 | 5.23 | -3.62 | 0.29 | 0.50 | -1.33 | Upgrade
|
| Operating Margin | 82.80% | 84.17% | 74.44% | 77.65% | 72.76% | -43.14% | Upgrade
|
| Profit Margin | 61.42% | 62.07% | 58.99% | 62.62% | 73.47% | 215.52% | Upgrade
|
| Free Cash Flow Margin | -10.56% | 89.79% | -81.32% | 20.70% | 110.86% | -2277.65% | Upgrade
|
| Effective Tax Rate | 30.09% | 29.74% | 29.54% | 24.49% | 21.01% | 22.45% | Upgrade
|
| Revenue as Reported | 8,769 | 5,630 | 4,020 | 1,348 | 638.78 | 309.47 | Upgrade
|
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.