Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-09-13), Garanti Faktoring AS's 3-1 Month Momentum % is -17.08%.
The industry rank for Garanti Faktoring AS's 3-1 Month Momentum % or its related term are showing as below:
IST:GARFA's 3-1 Month Momentum % is ranked worse than 90.57% of 562
companies
in the Credit Services industry
Industry Median: 2.495
vs IST:GARFA: -17.08
Garanti Faktoring AS (IST:GARFA) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Garanti Faktoring AS 3-1 Month Momentum % Related Terms
IST:GARFA vs V, MA, AXP: 3-1 Month Momentum % Comparison
For the Credit Services subindustry, Garanti Faktoring AS's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Garanti Faktoring AS's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Garanti Faktoring AS's 3-1 Month Momentum % falls into.
Garanti Faktoring AS (IST:GARFA) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* 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 3-1 Month Momentum % of -17.08% as of Sep. 13, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Garanti Faktoring AS and its competitors. According to the industry distribution chart, Garanti Faktoring AS ranks #509 out of 562 companies in the Credit Services industry, placing it in the top 90.6%.
Is Garanti Faktoring AS's 3-1 Month Momentum % too high?
Garanti Faktoring AS's current 3-1 Month Momentum % is -17.08%. Based on the distribution chart, Garanti Faktoring AS ranks #509 out of 562 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 3-1 Month Momentum % compare to V and MA?
According to the Credit Services industry distribution chart, Garanti Faktoring AS ranks #509 out of 562 companies for 3-1 Month Momentum %. This places Garanti Faktoring AS in the lower half of its industry. The industry median 3-1 Month Momentum % is 2.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Credit Services company?
The median 3-1 Month Momentum % among Credit Services companies is 2.50, based on 562 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Garanti Faktoring AS and its competitors. For the Credit Services industry, the median 3-1 Month Momentum % is 2.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Garanti Faktoring AS's current 3-1 Month Momentum % is -17.08%. 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 ₺44.27, compared to a current price of ₺27.54 — trading 37.8% below its estimated fair value. The current 3-1 Month Momentum % is -17.08%. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Garanti Faktoring AS (IST:GARFA), the current 3-1 Month Momentum % is -17.08% as of Sep. 13, 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 ₺27.54 is trading 37.8% below its estimated GF Value™ of ₺44.27.
GuruFocus considers Garanti Faktoring AS to be Significantly Undervalued.
Key valuation signals for IST:GARFA:
3-1 Month Momentum %: -17.08%
GF Value™: ₺44.27 vs. price of ₺27.54 (37.8% 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
Get the complete analysis for IST:GARFA
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
IST:GARFA has been successfully added to your 
