AGESA vs GARFA Comparison
Price, market cap, valuation, profitability and leverage metrics of AGESA and GARFA side by side.
If You Had Invested TRY 10,000
Metric Comparison
| Metric | AGESA | GARFA | Sector median |
|---|---|---|---|
| Last price (TL) | 229.60 | 22.46 | 43.20 |
| Daily change | −1.25% | −5.55% | −3.75% |
| Market cap | TRY 41.3B | TRY 8.9B | TRY 41.3B |
| P/E | 6.02 | 3.60 | 4.58 |
| P/B | 3.29 | 1.40 | 1.83 |
| Dividend yield | 3.18% | — | 4.07% |
| Return on equity | 65.17% | 45.56% | 44.07% |
| Free float | 18.91% | 8.37% | 18.91% |
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About the AGESA vs GARFA Comparison
Price, market cap, valuation multiples, profitability and leverage of AGESA (Agesa Hayat Emeklilik) and GARFA (Garanti Faktoring) side by side as of Sep 28, 2026, 14:17. Of the 7 metrics compared, AGESA leads in 4 and GARFA leads in 3.
Highlights: Daily change: AGESA leads (−1.25% vs −5.55%). Market cap: AGESA leads (TRY 41.3B vs TRY 8.9B). P/E: GARFA leads (3.60 vs 6.02). P/B: GARFA leads (1.40 vs 3.29). Net margin (annual): AGESA leads (165.10% vs 18.74%). Return on assets: GARFA leads (7.06% vs 1.49%). Return on equity: AGESA leads (65.17% vs 45.56%).
Frequently Asked Questions
Is AGESA or GARFA cheaper?
By P/E, GARFA is cheaper (6.02 vs 3.60); by P/B, GARFA trades at the lower multiple (3.29 vs 1.40).
Which is more profitable, AGESA or GARFA?
Annual net margin is 165.10% for AGESA and 18.74% for GARFA; return on equity is 65.17% for AGESA and 45.56% for GARFA.
Which is more leveraged, AGESA or GARFA?
The leverage ratio is — for AGESA and — for GARFA; net debt/EBITDA is — for AGESA and — for GARFA. Lower values mean less leverage.
Where does the comparison data come from?
Prices and market caps come from 15-minute delayed Borsa Istanbul data; ratios are calculated from the latest financial statements filed with KAP. Some ratios are not defined for banks and insurers.