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Operates in Non-bank Credit (MFO/Leasing) — Microfinance. Per the activity note to the FY2019 annual report, the company provides loans secured with precious metals and property.
| Ratio | 2018 | 2019 |
|---|---|---|
| Margins | ||
| Gross Margin | N/A | 100.0% |
| EBITDA Margin | N/A | 95.5% |
| EBITDAR | 104 | 290 |
| EBITDAR Margin | N/A | 97.0% |
| EBIT Margin | N/A | 92.9% |
| Net Profit Margin | N/A | 58.4% |
| Operating Expense % of Sales | N/A | 4.5% |
| Returns | ||
| Return on Assets (ROA) | -2.6% | 11.0% |
| Return on Equity (ROE) | -18.5% | 23.4% |
| ROIC [EBIT / Invested Capital] | 3.9% | 134.9% |
| Leverage & debt balances | ||
| Debt-to-Assets | 37.2% | 0.0% |
| Debt-to-Equity | 2.62x | 0.00x |
| Debt-to-EBITDA | 16.69x | 0.00x |
| Equity-to-Assets | 14.2% | 46.8% |
| Net Debt | 859 | -539 |
| Cash & Equivalents | 637 | 539 |
| Total Debt | 1,496 | N/A |
| Liquidity & working capital | ||
| Current Ratio | 2.25x | 1.29x |
| Quick Ratio | 2.25x | 1.29x |
| Cash Ratio | 0.47x | 0.68x |
| Total Current Assets | 3,045 | 1,018 |
| Total Current Liabilities | 1,350 | 787 |
| Inventory | N/A | N/A |
| Trade Receivables | 2,294 | 370 |
| Trade Payables | N/A | N/A |
| Net Working Capital | 1,694 | 232 |
| Net Working Capital % of Revenue | N/A | 77.5% |
| Trade Working Capital | 2,294 | 370 |
| Trade Working Capital % of Revenue | N/A | 123.9% |
| Change in Trade Working Capital | N/A | -1,924 |
| Turnover & efficiency | ||
| Inventory Turnover | N/A | N/A |
| Days Inventory Outstanding (DIO) | N/A | N/A |
| Receivables Turnover | N/A | 0.81x |
| Days Sales Outstanding (DSO) | N/A | 452.2 |
| Payables Turnover | N/A | N/A |
| Days Payable Outstanding (DPO) | N/A | N/A |
| Cash Conversion Cycle | N/A | 452.2 days |
| Asset Turnover | 0.00x | 0.19x |
| Cash flow & dividends | ||
| Operating Cash Flow | -451 | N/A |
| Free Cash Flow (OCF − Capex proxy) | -451 | N/A |
| Cash Conversion (OCF / EBITDA) | -503.6% | N/A |
| Dividends Declared | N/A | N/A |
| Dividend Payout Ratio | N/A | N/A |
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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