Garanti Faktoring AS (IST:GARFA) Scaled Net Operating Assets: 1.21 (As of Mar. 2026)


IST:GARFA Garanti Faktoring AS IST:GARFA
24 GF Score
Price ₺28.62
GF Value ₺42.03
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Garanti Faktoring AS Scaled Net Operating Assets?

Garanti Faktoring AS IST:GARFA -0.21% 24 Scaled Net Operating Assets is 1.21 as of Mar. 2026. GuruFocus rates IST:GARFA with a GF Score™ of 24/100 and a GF Value™ of ₺42.03 (Significantly Undervalued). The stock has 1 warning sign investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Garanti Faktoring AS's operating assets for the quarter that ended in Mar. 2026 was ₺41,288 Mil. Garanti Faktoring AS's operating liabilities for the quarter that ended in Mar. 2026 was ₺568 Mil. Garanti Faktoring AS's Total Assets for the quarter that ended in Dec. 2025 was ₺33,536 Mil. Therefore, Garanti Faktoring AS's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 1.21.

IST:GARFA
24GF Score
Garanti Faktoring AS IST:GARFA
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Garanti Faktoring AS Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Garanti Faktoring AS's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(33448.434-574.572)/13300.378
=2.47

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=33535.881 - 87.447
=33448.434

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=28232.561 - 27657.989 - 0
=574.572

Garanti Faktoring AS's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(41287.675-568.38200000001)/33535.881
=1.21

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=41468.299 - 180.624
=41287.675

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=35482.548 - 34914.166 - 0
=568.38200000001

* 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.

What does a Scaled Net Operating Assets of 1.21 mean?
Garanti Faktoring AS (IST:GARFA) has a Scaled Net Operating Assets of 1.21 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Garanti Faktoring AS and its competitors.
Is Garanti Faktoring AS's Scaled Net Operating Assets too high?
Garanti Faktoring AS's current Scaled Net Operating Assets is 1.21. 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 Scaled Net Operating Assets compare to V and MA?
Garanti Faktoring AS's Scaled Net Operating Assets of 1.21 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Garanti Faktoring AS and its competitors. Garanti Faktoring AS's current Scaled Net Operating Assets is 1.21. 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 ₺42.03, compared to a current price of ₺28.62 — trading 31.9% below its estimated fair value. The current Scaled Net Operating Assets is 1.21. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Garanti Faktoring AS (IST:GARFA), the current Scaled Net Operating Assets is 1.21 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 ₺28.62 is trading 31.9% below its estimated GF Value™ of ₺42.03. GuruFocus considers Garanti Faktoring AS to be Significantly Undervalued.

Key valuation signals for IST:GARFA:

  • Scaled Net Operating Assets: 1.21
  • GF Value™: ₺42.03 vs. price of ₺28.62 (31.9% 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

Address Maslak Mahalles Eski Buyukdere Caddesi No. 23, Sariyer, Istanbul, TUR, 34398
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.
24GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₺28.62
Price
₺42.03
GF Value