ISFIN vs GARFA Comparison
Price, market cap, valuation, profitability and leverage metrics of ISFIN and GARFA side by side.
If you had invested TRY 10,000
Metric comparison
| Metric | ISFIN | GARFA | Sector median |
|---|---|---|---|
| Last price (TL) | 17.44 | 22.90 | 10.52 |
| Daily change | −3.11% | −3.70% | −3.14% |
| Market cap | TRY 12.1B | TRY 9.1B | TRY 7.9B |
| P/E | 3.06 | 3.60 | 3.60 |
| P/B | 0.81 | 1.40 | 0.95 |
| Return on equity | 29.31% | 45.56% | 33.74% |
| Free float | 38.96% | 8.37% | 31.44% |
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About the ISFIN vs GARFA comparison
Price, market cap, valuation multiples, profitability and leverage of ISFIN (İş Fin.kir.) and GARFA (Garanti Faktoring) side by side as of Sep 28, 2026, 10:29. Of the 7 metrics compared, ISFIN leads in 4 and GARFA leads in 3.
Highlights: Daily change: ISFIN leads (−3.11% vs −3.70%). Market cap: ISFIN leads (TRY 12.1B 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 ISFIN or GARFA cheaper?
By P/E, ISFIN is cheaper (3.06 vs 3.60); by P/B, ISFIN trades at the lower multiple (0.81 vs 1.40).
Which is more profitable, ISFIN or GARFA?
Annual net margin is 3.07% for ISFIN and 18.74% for GARFA; return on equity is 29.31% for ISFIN and 45.56% for GARFA.
Which is more leveraged, ISFIN or GARFA?
The leverage ratio is — for ISFIN and — for GARFA; net debt/EBITDA is — for ISFIN 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.