ZRGYO vs GARFA Comparison
Price, market cap, valuation, profitability and leverage metrics of ZRGYO and GARFA side by side.
If You Had Invested TRY 10,000
Metric Comparison
| Metric | ZRGYO | GARFA | Sector median |
|---|---|---|---|
| Last price (TL) | 19.01 | 22.44 | 6.64 |
| Daily change | −2.06% | −5.63% | −4.72% |
| Market cap | TRY 89.2B | TRY 8.9B | TRY 5.5B |
| P/E | 12.92 | 3.60 | 6.99 |
| P/B | 0.97 | 1.40 | 0.42 |
| Dividend yield | 0.51% | — | 1.34% |
| Return on equity | 8.54% | 45.56% | 0.92% |
| Free float | 5.43% | 8.37% | 28.00% |
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About the ZRGYO vs GARFA Comparison
Price, market cap, valuation multiples, profitability and leverage of ZRGYO (Ziraat GMYO) and GARFA (Garanti Faktoring) side by side as of Sep 28, 2026, 14:22. Of the 7 metrics compared, ZRGYO leads in 5 and GARFA leads in 2.
Highlights: Daily change: ZRGYO leads (−2.06% 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 ZRGYO or GARFA cheaper?
By P/E, GARFA is cheaper (12.92 vs 3.60); by P/B, ZRGYO trades at the lower multiple (0.97 vs 1.40).
Which is more profitable, ZRGYO or GARFA?
Annual net margin is 171.04% for ZRGYO and 18.74% for GARFA; return on equity is 8.54% for ZRGYO and 45.56% for GARFA.
Which is more leveraged, ZRGYO or GARFA?
The leverage ratio is 18.72 for ZRGYO and — for GARFA; net debt/EBITDA is 3.89 for ZRGYO 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.