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Garanti Faktoring AS (IST:GARFA) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Garanti Faktoring AS Effective Interest Rate on Debt % Related Terms
Garanti Faktoring AS Effective Interest Rate on Debt % Historical Data
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The historical data trend for Garanti Faktoring AS's Effective Interest Rate on Debt % 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.
Garanti Faktoring AS Effective Interest Rate on Debt % Chart
IST:GARFA vs V, MA, AXP: Effective Interest Rate on Debt % Comparison
For the Credit Services subindustry, Garanti Faktoring AS's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Garanti Faktoring AS's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Garanti Faktoring AS's Effective Interest Rate on Debt % 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 31.21% mean?
Garanti Faktoring AS (IST:GARFA) has a Effective Interest Rate on Debt % of 31.21% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Garanti Faktoring AS and its competitors.
Is Garanti Faktoring AS's Effective Interest Rate on Debt % too high?
Garanti Faktoring AS's current Effective Interest Rate on Debt % is 31.21%. 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 Effective Interest Rate on Debt % compare to V and MA?
Garanti Faktoring AS's Effective Interest Rate on Debt % of 31.21% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Garanti Faktoring AS and its competitors. Garanti Faktoring AS's current Effective Interest Rate on Debt % is 31.21%. 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 ₺42.70, compared to a current price of ₺26.14 — trading 38.8% below its estimated fair value. The current Effective Interest Rate on Debt % is 31.21%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Garanti Faktoring AS (IST:GARFA), the current Effective Interest Rate on Debt % is 31.21% as of Mar. 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 ₺26.14 is trading 38.8% below its estimated GF Value™ of ₺42.70.
GuruFocus considers Garanti Faktoring AS to be Significantly Undervalued.
Key valuation signals for IST:GARFA:
Effective Interest Rate on Debt %: 31.21%
GF Value™: ₺42.70 vs. price of ₺26.14 (38.8% below fair value)
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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