CIMSA vs GARFA Comparison
Price, market cap, valuation, profitability and leverage metrics of CIMSA and GARFA side by side.
If You Had Invested TRY 10,000
Metric Comparison
| Metric | CIMSA | GARFA | Sector median |
|---|---|---|---|
| Last price (TL) | 41.98 | 22.46 | 15.63 |
| Daily change | −1.92% | −5.55% | −6.81% |
| Market cap | TRY 39.7B | TRY 8.9B | TRY 5.5B |
| P/E | 9.32 | 3.60 | 25.12 |
| P/B | 1.08 | 1.40 | 0.99 |
| Dividend yield | 1.50% | — | 1.87% |
| Return on equity | 12.50% | 45.56% | 1.06% |
| Free float | 45.08% | 8.37% | 26.74% |
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About the CIMSA vs GARFA Comparison
Price, market cap, valuation multiples, profitability and leverage of CIMSA (Cimsa) and GARFA (Garanti Faktoring) side by side as of Sep 28, 2026, 14:17. Of the 7 metrics compared, CIMSA leads in 3 and GARFA leads in 4.
Highlights: Daily change: CIMSA leads (−1.92% vs −5.55%). Market cap: CIMSA leads (TRY 39.7B vs TRY 8.9B). P/E: GARFA leads (3.60 vs 9.32). P/B: CIMSA leads (1.08 vs 1.40). Net margin (annual): GARFA leads (18.74% vs 9.76%). Return on assets: GARFA leads (7.06% vs 4.70%). Return on equity: GARFA leads (45.56% vs 12.50%).
Frequently Asked Questions
Is CIMSA or GARFA cheaper?
By P/E, GARFA is cheaper (9.32 vs 3.60); by P/B, CIMSA trades at the lower multiple (1.08 vs 1.40).
Which is more profitable, CIMSA or GARFA?
Annual net margin is 9.76% for CIMSA and 18.74% for GARFA; return on equity is 12.50% for CIMSA and 45.56% for GARFA.
Which is more leveraged, CIMSA or GARFA?
The leverage ratio is 52.21 for CIMSA and — for GARFA; net debt/EBITDA is 3.11 for CIMSA 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.