Summary Financials
| KEY FINANCIAL INDICATORS (mn TL) | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR%* |
|---|
| Total Assets |
1.266 |
1.197 |
1.343 |
1.622 |
2.622 |
6.043 |
10.005 |
52,9% |
| Total Borrowing |
765 |
583 |
420 |
281 |
550 |
2.314 |
4.435 |
50,0% |
| Equity |
385 |
461 |
751 |
1.095 |
1.639 |
2.696 |
3.847 |
52,9% |
| Net Profit |
105 |
102 |
174 |
391 |
855 |
1.182 |
1.498 |
71,1% |
| Collections |
502 |
551 |
712 |
1.212 |
2.612 |
4.382 |
5.821 |
60,3% |
| Operational Expenses |
134 |
159 |
218 |
367 |
812 |
1.634 |
2.167 |
68,6% |
| EBITDA |
357 |
371 |
451 |
791 |
1.695 |
2.692 |
3.528 |
56,9% |
| EBITDA Margin |
69,3% |
66,0% |
62,0% |
64,3% |
64,0% |
60,0% |
58,9% |
-2,3% |
| ROAE |
27,2% |
22,2% |
23,2% |
42,6% |
66,8% |
55,0% |
46,4% |
15,9% |
| ROAA |
8,3% |
8,5% |
12,9% |
26,5% |
41,7% |
27,9% |
18,9% |
17,2% |
| Net Interest Expense/EBITDA |
0.40x |
0.21x |
0.21x |
0.09x |
0.02x |
0.22x |
0.32x |
|
| Net Debt/EBITDA |
2.1x |
1.5x |
0.8x |
0.3x |
0.2x |
0.8x |
1.2x |
|
| Investments |
196 |
19 |
242 |
389 |
1.063 |
3.449 |
3.657 |
186,4% |
*CAGR : Compound Annual Growth Rate 2019-2025