GARFA vs ZRGYO Comparison
Price, market cap, valuation, profitability and leverage metrics of GARFA and ZRGYO side by side.
If You Had Invested TRY 10,000
Metric Comparison
| Metric | GARFA | ZRGYO | Sector median |
|---|---|---|---|
| Last price (TL) | 22.44 | 19.00 | 10.43 |
| Daily change | −5.63% | −2.11% | −4.83% |
| Market cap | TRY 8.9B | TRY 89.2B | TRY 7.7B |
| P/E | 3.60 | 12.92 | 3.44 |
| P/B | 1.40 | 0.97 | 0.90 |
| Dividend yield | — | 0.51% | — |
| Return on equity | 45.56% | 8.54% | 33.74% |
| Free float | 8.37% | 5.43% | 31.44% |
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About the GARFA vs ZRGYO Comparison
Price, market cap, valuation multiples, profitability and leverage of GARFA (Garanti Faktoring) and ZRGYO (Ziraat GMYO) side by side as of Sep 28, 2026, 14:22. Of the 7 metrics compared, GARFA leads in 2 and ZRGYO leads in 5.
Highlights: Daily change: ZRGYO leads (−2.11% vs −5.63%). Market cap: ZRGYO leads (TRY 89.2B vs TRY 8.9B). P/E: GARFA leads (3.60 vs 12.92). P/B: ZRGYO leads (0.97 vs 1.40). Net margin (annual): ZRGYO leads (171.04% vs 18.74%). Return on assets: ZRGYO leads (7.13% vs 7.06%). Return on equity: GARFA leads (45.56% vs 8.54%).
Frequently Asked Questions
Is GARFA or ZRGYO cheaper?
By P/E, GARFA is cheaper (3.60 vs 12.92); by P/B, ZRGYO trades at the lower multiple (1.40 vs 0.97).
Which is more profitable, GARFA or ZRGYO?
Annual net margin is 18.74% for GARFA and 171.04% for ZRGYO; return on equity is 45.56% for GARFA and 8.54% for ZRGYO.
Which is more leveraged, GARFA or ZRGYO?
The leverage ratio is — for GARFA and 18.72 for ZRGYO; net debt/EBITDA is — for GARFA and 3.89 for ZRGYO. 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.