Is Garanti BBVA (GARAN) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 53.2% | |
| Net Margin | 33.4% | |
| Return on Equity (ROE) | 28.6% | |
| Return on Assets (ROA) | 2.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $5.0B |
| Free Cash Flow | -$5.4B |
| Total Debt | $504.3B |
| Total Assets | $4.5T |
Price & Trading
| Last Close | TRY 126.70 |
| 50-Day MA | TRY 148.36 |
| 200-Day MA | TRY 140.56 |
| Avg Volume | 34.9M |
| Beta | 0.5 |
|
52-Week Range
TRY 98.75
| |
About Garanti BBVA (GARAN)
Turkiye Garanti Bankasi A.S. provides various banking products and services in Turkey. It offers current, savings, time deposit, e-savings, YUVAM, NET, ELMA, overdraft, and gold accounts; SME general purpose, auto, mortgage, commercial, foreign currency spot, installment loans, and project loans, as well as IBOR reforms and foreign trade financing; investment funds, stocks, derivatives, Garanti BBVA e-trader platform, time barred deposit and investment lists, and derivative instruments; credit and debit cards, BonusFlas, and POS and e-commerce products; and insurance and pension products. The company also provides payment systems and services; private banking services; banking services for salary payments/entrepreneurship and women entrepreneurs; leasing fleet factoring services; investment banking and financing services; mobile and internet banking services; and ATM and cash management services. The company was founded in 1946 and is headquartered in Istanbul, Turkey. Turkiye Garanti Bankasi A.S. is a subsidiary of Banco Bilbao Vizcaya Argentaria, S.A.
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Frequently Asked Questions
Is Garanti BBVA (GARAN) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Garanti BBVA is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Garanti BBVA's debt ratio?
Garanti BBVA's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Garanti BBVA's key financial metrics?
Garanti BBVA has a market capitalization of $531.3B, trailing P/E ratio of 4.8, and revenue of $410.3B. Return on equity stands at 28.6%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.