PINSU vs GARFA Comparison
Price, market cap, valuation, profitability and leverage metrics of PINSU and GARFA side by side.
If You Had Invested TRY 10,000
Metric Comparison
| Metric | PINSU | GARFA | Sector median |
|---|---|---|---|
| Last price (TL) | 8.79 | 22.62 | 10.75 |
| Daily change | −4.25% | −4.88% | −5.00% |
| Market cap | TRY 2.5B | TRY 9B | TRY 4.4B |
| P/E | 17.82 | 3.60 | 13.53 |
| P/B | 0.84 | 1.40 | 0.85 |
| Return on equity | 5.36% | 45.56% | −0.82% |
| Free float | 34.61% | 8.37% | 32.02% |
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About the PINSU vs GARFA Comparison
Price, market cap, valuation multiples, profitability and leverage of PINSU (Pinar Su) and GARFA (Garanti Faktoring) side by side as of Sep 28, 2026, 15:52. Of the 7 metrics compared, PINSU leads in 2 and GARFA leads in 5.
Highlights: Daily change: PINSU leads (−4.25% vs −4.88%). Market cap: GARFA leads (TRY 9B vs TRY 2.5B). P/E: GARFA leads (3.60 vs 17.82). P/B: PINSU leads (0.84 vs 1.40). Net margin (annual): GARFA leads (18.74% vs 5.46%). Return on assets: GARFA leads (7.06% vs 3.37%). Return on equity: GARFA leads (45.56% vs 5.36%).
Frequently Asked Questions
Is PINSU or GARFA cheaper?
By P/E, GARFA is cheaper (17.82 vs 3.60); by P/B, PINSU trades at the lower multiple (0.84 vs 1.40).
Which is more profitable, PINSU or GARFA?
Annual net margin is 5.46% for PINSU and 18.74% for GARFA; return on equity is 5.36% for PINSU and 45.56% for GARFA.
Which is more leveraged, PINSU or GARFA?
The leverage ratio is 35.44 for PINSU and — for GARFA; net debt/EBITDA is 0.76 for PINSU 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.