GARFA PEER ANALYSIS

Garanti Faktoring A.S. — metric-by-metric comparison with peers and the industry median

GARFAGaranti Faktoring A.S.

🇹🇷 Turkey · IS · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

GARFAIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	GARFA	PMTS	CPSS	OPFI	FOA	LPRO	Ind. Median
P/E	16.67	19.85	10.85	4.01●	6.01	—	16.27
P/B	1.90	-17.33●	0.70	3.51	0.61	4.89	2.03
EV/EBITDA	—	6.81	43.30	2.89●	58.78	60.92	15.78
P/S	—	—	—	—	—	—	—

Financial Health
Metric	GARFA	PMTS	CPSS	OPFI	FOA	LPRO	Ind. Median
Current Ratio	—	2.54	1.53	1.14	0.11	4.44●	1.20
Debt/Equity	0.0%	-2,068.6%●	1,174.2%	397.6%	8,845.5%	113.0%	116.1%
NetDebt/EBITDA	—	3.59	40.87	1.36	58.38	-22.64●	2.39

Profitability
Metric	GARFA	PMTS	CPSS	OPFI	FOA	LPRO	Ind. Median
Net Margin	—	2.2%	4.6%	10.9%●	1.6%	-5.9%	10.0%
ROE	13.5%	—	6.6%	134.6%●	10.2%	-6.8%	13.4%
ROA	—	3.3%	0.5%	9.7%●	0.1%	-2.0%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	GARFA	PMTS	CPSS	OPFI	FOA	LPRO	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	-35.1%	4.5%●	—	-38.9%	—	19.9%
Div. Yield	—	—	—	24.1%●	0.6%	—	1.2%
Payout	—	—	—	96.9%	4.1%	—	16.3%

Valuation
Metric	GARFA	VAKFA	ISFIN	VAKFN	CRDFA	LIDFA	Ind. Median
P/E	16.67	23.40	16.96	19.72	9.69	3.14●	16.27
P/B	1.90	1.46	0.94●	1.03	1.99	1.02	2.03
EV/EBITDA	—	—	—	—	—	—	15.78
P/S	—	—	—	—	—	—	—

Financial Health
Metric	GARFA	VAKFA	ISFIN	VAKFN	CRDFA	LIDFA	Ind. Median
Current Ratio	—	—	—	—	—	—	1.20
Debt/Equity	0.0%●	0.0%●	0.0%●	0.0%●	0.0%●	0.0%●	116.1%
NetDebt/EBITDA	—	—	—	—	—	—	2.39

Profitability
Metric	GARFA	VAKFA	ISFIN	VAKFN	CRDFA	LIDFA	Ind. Median
Net Margin	—	—	—	—	—	—	10.0%
ROE	13.5%	7.3%	6.3%	5.8%	29.9%	39.0%●	13.4%
ROA	—	—	—	—	—	—	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	GARFA	VAKFA	ISFIN	VAKFN	CRDFA	LIDFA	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	—	—	—	—	44.0%	19.9%
Div. Yield	—	—	—	—	—	—	1.2%
Payout	—	—	—	—	—	—	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 3, 26. This content is for informational purposes only and is not investment advice.