Garanti Faktoring AS (IST:GARFA) LT-Debt-to-Total-Asset: 0.84 (As of Mar. 2026)

What is Garanti Faktoring AS LT-Debt-to-Total-Asset?

Garanti Faktoring AS IST:GARFA +0.29% 24 LT-Debt-to-Total-Asset is 0.84 as of Mar. 2026. GuruFocus rates IST:GARFA with a GF Score™ of 24/100 and a GF Value™ of ₺42.18 (Significantly Undervalued). The stock has 1 warning sign investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Garanti Faktoring AS's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.84.

Garanti Faktoring AS's long-term debt to total assets ratio increased from Mar. 2025 (0.78) to Mar. 2026 (0.84). It may suggest that Garanti Faktoring AS is progressively becoming more dependent on debt to grow their business.

Garanti Faktoring AS (IST:GARFA) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Garanti Faktoring AS LT-Debt-to-Total-Asset Related Terms

Garanti Faktoring AS LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Garanti Faktoring AS's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Garanti Faktoring AS Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.91

0.83

0.73

0.83

Garanti Faktoring AS Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.78	0.82	0.82	0.83	0.84

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Garanti Faktoring AS IST:GARFA

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Garanti Faktoring AS LT-Debt-to-Total-Asset Calculation

Garanti Faktoring AS's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	27657.989	/	33535.881
	=	0.82

Garanti Faktoring AS's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	34914.166	/	41468.299
	=	0.84

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.84 mean?

Garanti Faktoring AS (IST:GARFA) has a LT-Debt-to-Total-Asset of 0.84 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Garanti Faktoring AS and its competitors.

Is Garanti Faktoring AS's LT-Debt-to-Total-Asset too high?

Garanti Faktoring AS's current LT-Debt-to-Total-Asset is 0.84. 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 LT-Debt-to-Total-Asset compare to V and MA?

Garanti Faktoring AS's LT-Debt-to-Total-Asset of 0.84 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 LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Garanti Faktoring AS and its competitors. Garanti Faktoring AS's current LT-Debt-to-Total-Asset is 0.84. 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 ₺42.18, compared to a current price of ₺27.26 — trading 35.4% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.84. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Garanti Faktoring AS (IST:GARFA), the current LT-Debt-to-Total-Asset is 0.84 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 ₺27.26 is trading 35.4% below its estimated GF Value™ of ₺42.18. GuruFocus considers Garanti Faktoring AS to be Significantly Undervalued.

Key valuation signals for IST:GARFA:

LT-Debt-to-Total-Asset: 0.84
GF Value™: ₺42.18 vs. price of ₺27.26 (35.4% below fair value)
GF Score™: 24/100 with 1 warning sign

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 Business Description

Industry Financial Services Credit Services

Comparable Companies IST:CRDFA IST:VAKFA IST:ISFIN IST:VAKFN IST:LIDFA IST:SEKFK V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI NSE:CHOLAFIN NSE:TATACAP BOM:532810 ALLY

Address Maslak Mahalles Eski Buyukdere Caddesi No. 23, Sariyer, Istanbul, TUR, 34398

Website http://www.garantifactoring.com

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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₺27.26

Price

₺42.18

GF Value

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