GARFA vs ISFIN Comparison
Price, market cap, valuation, profitability and leverage metrics of GARFA and ISFIN side by side.
If you had invested TRY 10,000
Metric comparison
| Metric | GARFA | ISFIN | Sector median |
|---|---|---|---|
| Last price (TL) | 22.80 | 17.24 | 10.51 |
| Daily change | −4.12% | −4.22% | −3.99% |
| Market cap | TRY 9.1B | TRY 12B | TRY 7.8B |
| P/E | 3.60 | 3.06 | 3.60 |
| P/B | 1.40 | 0.81 | 0.95 |
| Return on equity | 45.56% | 29.31% | 33.74% |
| Free float | 8.37% | 38.96% | 31.44% |
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About the GARFA vs ISFIN comparison
Price, market cap, valuation multiples, profitability and leverage of GARFA (Garanti Faktoring) and ISFIN (İş Fin.kir.) side by side as of Sep 28, 2026, 11:05. Of the 7 metrics compared, GARFA leads in 4 and ISFIN leads in 3.
Highlights: Daily change: GARFA leads (−4.12% vs −4.22%). Market cap: ISFIN leads (TRY 12B vs TRY 9.1B). P/E: ISFIN leads (3.06 vs 3.60). P/B: ISFIN leads (0.81 vs 1.40). Net margin (annual): GARFA leads (18.74% vs 3.07%). Return on assets: GARFA leads (7.06% vs 3.67%). Return on equity: GARFA leads (45.56% vs 29.31%).
Frequently asked questions
Is GARFA or ISFIN cheaper?
By P/E, ISFIN is cheaper (3.60 vs 3.06); by P/B, ISFIN trades at the lower multiple (1.40 vs 0.81).
Which is more profitable, GARFA or ISFIN?
Annual net margin is 18.74% for GARFA and 3.07% for ISFIN; return on equity is 45.56% for GARFA and 29.31% for ISFIN.
Which is more leveraged, GARFA or ISFIN?
The leverage ratio is — for GARFA and — for ISFIN; net debt/EBITDA is — for GARFA and — for ISFIN. 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.