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Garanti Faktoring ASIST:GARFA -0.23%25 Debt-to-Equity is 5.67 as of Jun. 2026, which is 50% below its 10-year median of 11.26. GuruFocus rates IST:GARFA with a GF Score™ of 25/100 and a GF Value™ of ₺44.09 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 452 Credit Services companies, Garanti Faktoring AS ranks worse than 89.82% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Garanti Faktoring AS's Debt-to-Equity or its related term are showing as below:
IST:GARFA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 2.79 Med: 11.26 Max: 15.09
Current: 5.67
During the past 13 years, the highest Debt-to-Equity Ratio of Garanti Faktoring AS was 15.09. The lowest was 2.79. And the median was 11.26.
IST:GARFA's Debt-to-Equity is ranked worse than 89.82% of 452
companies
in the Credit Services industry
Industry Median: 1.24
vs IST:GARFA: 5.67
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Garanti Faktoring AS Debt-to-Equity Related Terms
Garanti Faktoring AS Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Garanti Faktoring AS's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
IST:GARFA vs V, MA, AXP: Debt-to-Equity Comparison
For the Credit Services subindustry, Garanti Faktoring AS's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Garanti Faktoring AS Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Garanti Faktoring AS's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Garanti Faktoring AS's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Garanti Faktoring AS (IST:GARFA) has a Debt-to-Equity of 5.67 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Garanti Faktoring AS and its competitors. This is 50% below median its historical median of 11.26. Over the past decade, Garanti Faktoring AS's Debt-to-Equity has ranged from 2.79 to 15.09. According to the industry distribution chart, Garanti Faktoring AS ranks #406 out of 452 companies in the Credit Services industry, placing it in the top 89.8%.
Is Garanti Faktoring AS's Debt-to-Equity too high?
Garanti Faktoring AS's current Debt-to-Equity of 5.67 is 50% below median its 10-year median of 11.26. Over the past 10 years, this metric has ranged from a low of 2.79 to a high of 15.09. The Credit Services industry median Debt-to-Equity is 1.24. Garanti Faktoring AS's value of 5.67 is 357.3% above this industry median. Based on the distribution chart, Garanti Faktoring AS ranks #406 out of 452 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Garanti Faktoring AS has a GF Score™ of 25/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Garanti Faktoring AS's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Garanti Faktoring AS ranks #406 out of 452 companies for Debt-to-Equity. This places Garanti Faktoring AS in the lower half of its industry. The industry median Debt-to-Equity is 1.24. Garanti Faktoring AS's value of 5.67 is 357.3% above this benchmark. Historically, Garanti Faktoring AS's own Debt-to-Equity has ranged from 2.79 to 15.09 over the past decade. While the company's 10-year median is 11.26 vs. the industry median of 1.24, Garanti Faktoring AS has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 452 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Garanti Faktoring AS's current Debt-to-Equity of 5.67 is 357.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Garanti Faktoring AS and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Garanti Faktoring AS's current Debt-to-Equity is 5.67, which is 50% below median its own 10-year median of 11.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Garanti Faktoring AS stock overvalued right now?
Based on GuruFocus' analysis, Garanti Faktoring AS (IST:GARFA) is currently considered Significantly Undervalued. The stock's GF Value™ is ₺44.09, compared to a current price of ₺26.46 — trading 40% below its estimated fair value. The current Debt-to-Equity is 5.67, which is 50% below median its 10-year median of 11.26 and 357.3% above the Credit Services industry median of 1.24. Garanti Faktoring AS's overall GF Score™ is 25/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Garanti Faktoring AS (IST:GARFA), the current Debt-to-Equity is 5.67 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Garanti Faktoring AS (IST:GARFA) Overvalued in 2026?
Based on GuruFocus' analysis, Garanti Faktoring AS stock appears to be undervalued.
The current stock price of ₺26.46 is trading 40% below its estimated GF Value™ of ₺44.09.
GuruFocus considers Garanti Faktoring AS to be Significantly Undervalued.
Key valuation signals for IST:GARFA:
Debt-to-Equity: 5.67 (50% below median its 10-year median of 11.26)
GF Value™: ₺44.09 vs. price of ₺26.46 (40% below fair value)
Industry Position: 357.3% above the Credit Services median (#406 of 452)
No single metric tells the full story. See the IST:GARFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Garanti Faktoring AS is a Turkish company which offers factoring services where time receivables of companies arising out of their domestic and overseas service sales are taken over by Garanti to offer one or more of financing, guarantee and collection services. The company focuses on trade financing and receivable-based financing and provides financing, guarantee and collection products. It offers financing service to customers whose goods/services sales are realized on the account and as check account sales and delivers regular cash flow. The company also affords supplier financing to supplier companies the benefit of payment of their receivables without waiting for maturity, and to buyer companies the benefit of payment due date extension.
25GF Score
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