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* Free cash flow = OCF − net investing outflow (the filings carry no standalone capex line).
Dividends declared (per SOCE filings): FY2018 0 · FY2019 0 · FY2020 0
Operates in Non-bank Credit (MFO/Leasing). Per the activity note to the FY2020 annual report, the company provides financial leasing.
| Ratio | 2018 | 2019 | 2020 |
|---|---|---|---|
| Margins | |||
| Gross Margin | 100.0% | 100.0% | 100.0% |
| EBITDA Margin | 44.4% | 15.6% | 41.5% |
| EBITDAR | 652 | 179 | 362 |
| EBITDAR Margin | 44.4% | 15.6% | 41.5% |
| EBIT Margin | 44.4% | 15.6% | 7.2% |
| Net Profit Margin | 50.0% | 14.6% | 12.5% |
| Operating Expense % of Sales | 55.6% | 84.4% | 58.5% |
| Returns | |||
| Return on Assets (ROA) | 7.4% | 1.8% | 1.4% |
| Return on Equity (ROE) | 14.5% | 3.2% | 2.0% |
| ROIC [EBIT / Invested Capital] | 6.7% | 2.1% | 0.9% |
| Leverage & debt balances | |||
| Debt-to-Assets | 48.4% | 36.6% | 24.0% |
| Debt-to-Equity | 0.95x | 0.66x | 0.34x |
| Debt-to-EBITDA | 7.41x | 19.45x | 5.07x |
| Equity-to-Assets | 50.9% | 55.2% | 69.9% |
| Net Debt | 4,718 | 3,442 | 1,837 |
| Cash & Equivalents | 112 | 37 | 1 |
| Total Debt | 4,829 | 3,479 | 1,837 |
| Liquidity & working capital | |||
| Current Ratio | 2.43x | 0.05x | 0.00x |
| Quick Ratio | 2.43x | 0.05x | 0.00x |
| Cash Ratio | 1.63x | 0.05x | 0.00x |
| Total Current Assets | 166 | 37 | 1 |
| Total Current Liabilities | 68 | 784 | 470 |
| Inventory | N/A | N/A | N/A |
| Trade Receivables | N/A | N/A | N/A |
| Trade Payables | 40 | 772 | 470 |
| Net Working Capital | 98 | -747 | -469 |
| Net Working Capital % of Revenue | 6.7% | -65.2% | -53.8% |
| Trade Working Capital | -40 | -772 | -470 |
| Trade Working Capital % of Revenue | -2.7% | -67.4% | -54.0% |
| Change in Trade Working Capital | N/A | -732 | 301 |
| Turnover & efficiency | |||
| Inventory Turnover | N/A | N/A | N/A |
| Days Inventory Outstanding (DIO) | N/A | N/A | N/A |
| Receivables Turnover | N/A | N/A | N/A |
| Days Sales Outstanding (DSO) | N/A | N/A | N/A |
| Payables Turnover | N/A | N/A | N/A |
| Days Payable Outstanding (DPO) | N/A | N/A | N/A |
| Cash Conversion Cycle | N/A | N/A | N/A |
| Asset Turnover | 0.15x | 0.12x | 0.11x |
| Cash flow & dividends | |||
| Operating Cash Flow | -40 | 3,148 | 816 |
| Free Cash Flow (OCF − Capex proxy) | 937 | 2,558 | 2,153 |
| Cash Conversion (OCF / EBITDA) | -6.2% | 1760.1% | 225.3% |
| Dividends Declared | 0 | 0 | 0 |
| Dividend Payout Ratio | 0.0% | 0.0% | 0.0% |
Money rows — EBITDAR, net debt, cash, total debt, operating and free cash flow, dividends declared — are in GEL, thousands. Margins, returns and payout are percentages; turnover and leverage are multiples; DIO/DSO/DPO are days. Hover a metric name for its definition.
Shareholders, directors and group links from the companyinfo.ge public register — as filed, so stakes need not sum to 100% where a holding is undisclosed.
Ownership & directors from companyinfo.ge (public corporate registry).
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