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GARFA.IS$31.30+0.00%
Fair $31.30+0.0%

GARFA.IS

Garanti Faktoring A.S.

Financial Services / Credit ServicesIstanbul

$31.30

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $31.30Fund rank 20/100 · Data gapFallback financials|
SA 44/C
F-Score: 2/9
High Debt

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 100.0/100

Data gap 20/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 24/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

44/100

C

Piotroski

2/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Debt-to-Equity ratio is 5.22, above the 2.0 threshold
Thesis & Journal · GARFA.ISLocal privado en este navegador · Garanti Faktoring A.S.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$12.4B

P/E

5.2x

↓

EV/EBITDA

N/A

•

ROE

40.2%

↑

Gross Margin

N/A

•

Debt/Equity

5.22

↑
52-Week Range$31
$22$38

TradingView lightweight chart

GARFA.IS price, volumen y niveles de valoración

Último $29.90Periodo +17088.6%
Fair value: $31.30

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+85.9%

FCF CAGR

+51.7%

FCF margin

10.1%

FCF / Net income

0.19x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $4.02B · net income $2.13B · FCF $404.4M

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

53.0%-3.1% pts

FCF margin

10.1%-8.5% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$4.02B$4.02B$2.56B$1.81B$625.2M
Net Income$2.13B$2.13B$1.44B$1.05B$350.7M
EPS——3.622.630.88
Net Margin53.0%53.0%56.1%57.8%56.1%
Balance Sheet
Debt/Equity5.225.223.075.6712.72
Current Ratio1.181.18———
Cash Flow
Free Cash Flow$404.4M$404.4M$2.08B$-1.44B$115.9M
Returns
ROE40.2%40.2%45.3%60.3%50.7%
Valuation
P/E5.175.175.636.985.72
P/B2.352.352.554.212.90
Growth & Yield
Revenue Growth56.7%56.7%41.9%189.0%—
EPS Growth——37.6%198.0%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +35.3%

Total return

+35.3%

Start / end P/E

n/dx → n/dx

EPS bridge

3.62 → n/d

Residual

+35.3%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term+35.3%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.