Garanti Faktoring ASIST:GARFA -1.85%24 Pretax Margin % is 81.02% as of Mar. 2026, which is 64% above its 10-year median of 49.35. GuruFocus rates IST:GARFA with a GF Score™ of 24/100 and a GF Value™ of ₺42.01 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 533 Credit Services companies, Garanti Faktoring AS ranks better than 92.12% on this metric.
The historical rank and industry rank for Garanti Faktoring AS's Pretax Margin % or its related term are showing as below:
IST:GARFA'
s Pretax Margin % Range Over the Past 10 Years
Min: -43.29 Med: 49.35 Max: 82.09
Current: 76.51
IST:GARFA's Pretax Margin % is ranked better than 92.12% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs IST:GARFA: 76.51
Garanti Faktoring AS (IST:GARFA) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Garanti Faktoring AS Pretax Margin % Related Terms
Garanti Faktoring AS Pretax Margin % Historical Data
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The historical data trend for Garanti Faktoring AS's Pretax Margin % 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: Pretax Margin % Comparison
For the Credit Services subindustry, Garanti Faktoring AS's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Garanti Faktoring AS's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Garanti Faktoring AS's Pretax Margin % 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 Pretax Margin % of 81.02% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Garanti Faktoring AS and its competitors. This is 64% above median its historical median of 49.35. According to the industry distribution chart, Garanti Faktoring AS ranks #42 out of 533 companies in the Credit Services industry, placing it in the top 7.9%.
Is Garanti Faktoring AS's Pretax Margin % too high?
Garanti Faktoring AS's current Pretax Margin % of 81.02% is 64% above median its 10-year median of 49.35. The Credit Services industry median Pretax Margin % is 20.02. Garanti Faktoring AS's value of 81.02% is 304.7% above this industry median. Based on the distribution chart, Garanti Faktoring AS ranks #42 out of 533 companies in the Credit Services industry, which is in the top quartile — a strong position 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 Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Garanti Faktoring AS ranks #42 out of 533 companies for Pretax Margin %. This places Garanti Faktoring AS in the top 8% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.02. Garanti Faktoring AS's value of 81.02% is 304.7% above this benchmark. While the company's 10-year median is 49.35 vs. the industry median of 20.02, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.02, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Garanti Faktoring AS's current Pretax Margin % of 81.02% is 304.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Garanti Faktoring AS and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Garanti Faktoring AS's current Pretax Margin % is 81.02%, which is 64% above median its own 10-year median of 49.35. 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 ₺42.01, compared to a current price of ₺28.68 — trading 31.7% below its estimated fair value. The current Pretax Margin % is 81.02%, which is 64% above median its 10-year median of 49.35 and 304.7% above the Credit Services industry median of 20.02. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Garanti Faktoring AS (IST:GARFA), the current Pretax Margin % is 81.02% 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 ₺28.68 is trading 31.7% below its estimated GF Value™ of ₺42.01.
GuruFocus considers Garanti Faktoring AS to be Significantly Undervalued.
Key valuation signals for IST:GARFA:
Pretax Margin %: 81.02% (64% above median its 10-year median of 49.35)
GF Value™: ₺42.01 vs. price of ₺28.68 (31.7% below fair value)
Industry Position: 304.7% above the Credit Services median (#42 of 533)
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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