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Garanti Faktoring ASIST:GARFA +0.83%24 EV-to-FCF is 235.44 as of Jul. 15, 2026, which is 3179% above its 10-year median of 7.18. GuruFocus rates IST:GARFA with a GF Score™ of 24/100 and a GF Value™ of ₺42.27 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 264 Credit Services companies, Garanti Faktoring AS ranks worse than 93.56% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Garanti Faktoring AS's Enterprise Value is ₺45,323 Mil.
Garanti Faktoring AS's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₺193 Mil. Therefore, Garanti Faktoring AS's EV-to-FCF for today is 235.44.
The historical rank and industry rank for Garanti Faktoring AS's EV-to-FCF or its related term are showing as below:
IST:GARFA'
s EV-to-FCF Range Over the Past 10 Years
Min: -70.43 Med: 7.18 Max: 254.07
Current: 234.99
During the past 13 years, the highest EV-to-FCF of Garanti Faktoring AS was 254.07. The lowest was -70.43. And the median was 7.18.
IST:GARFA's EV-to-FCF is ranked worse than 93.56% of 264
companies
in the Credit Services industry
Industry Median: 13.705
vs IST:GARFA: 234.99
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Garanti Faktoring AS (IST:GARFA) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Garanti Faktoring AS's PE Ratio (TTM) for today is calculated as:
Garanti Faktoring AS's share price for today is ₺26.64.
Garanti Faktoring AS's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₺6.046.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Garanti Faktoring AS EV-to-FCF Related Terms
Garanti Faktoring AS EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Garanti Faktoring AS's EV-to-FCF 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.
For the Credit Services subindustry, Garanti Faktoring AS's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Garanti Faktoring AS's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Garanti Faktoring AS's EV-to-FCF falls into.
Garanti Faktoring AS's current Enterprise Value is ₺45,323 Mil.
Garanti Faktoring AS's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₺193 Mil.
* 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 EV-to-FCF of 235.44 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Garanti Faktoring AS and its competitors. This is 3179% above median its historical median of 7.18. According to the industry distribution chart, Garanti Faktoring AS ranks #247 out of 264 companies in the Credit Services industry, placing it in the top 93.6%.
Is Garanti Faktoring AS's EV-to-FCF too high?
Garanti Faktoring AS's current EV-to-FCF of 235.44 is 3179% above median its 10-year median of 7.18. The Credit Services industry median EV-to-FCF is 13.71. Garanti Faktoring AS's value of 235.44 is 1617.9% above this industry median. Based on the distribution chart, Garanti Faktoring AS ranks #247 out of 264 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Garanti Faktoring AS has a GF Score™ of 24/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Garanti Faktoring AS's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Garanti Faktoring AS ranks #247 out of 264 companies for EV-to-FCF. This places Garanti Faktoring AS in the lower half of its industry. The industry median EV-to-FCF is 13.71. Garanti Faktoring AS's value of 235.44 is 1617.9% above this benchmark. While the company's 10-year median is 7.18 vs. the industry median of 13.71, 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.71, based on 264 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Garanti Faktoring AS's current EV-to-FCF of 235.44 is 1617.9% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Garanti Faktoring AS and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Garanti Faktoring AS's current EV-to-FCF is 235.44, which is 3179% above median its own 10-year median of 7.18. 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 ₺42.27, compared to a current price of ₺26.64 — trading 37% below its estimated fair value. The current EV-to-FCF is 235.44, which is 3179% above median its 10-year median of 7.18 and 1617.9% above the Credit Services industry median of 13.71. Garanti Faktoring AS's overall GF Score™ is 24/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Garanti Faktoring AS (IST:GARFA), the current EV-to-FCF is 235.44 as of Jul. 15, 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 ₺26.64 is trading 37% below its estimated GF Value™ of ₺42.27.
GuruFocus considers Garanti Faktoring AS to be Significantly Undervalued.
Key valuation signals for IST:GARFA:
EV-to-FCF: 235.44 (3179% above median its 10-year median of 7.18)
GF Value™: ₺42.27 vs. price of ₺26.64 (37% below fair value)
Industry Position: 1617.9% above the Credit Services median (#247 of 264)
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.
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