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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 by collateral. Headquarters in Tbilisi.
| Ratio | 2018 | 2019 |
|---|---|---|
| Margins | ||
| Gross Margin | 46.6% | 38.7% |
| EBITDA Margin | 25.8% | 8.2% |
| EBITDAR | 853 | 99 |
| EBITDAR Margin | 26.5% | 10.0% |
| EBIT Margin | 25.7% | 7.7% |
| Net Profit Margin | 18.6% | 6.5% |
| Operating Expense % of Sales | 20.7% | 30.5% |
| Returns | ||
| Return on Assets (ROA) | 26.4% | 6.5% |
| Return on Equity (ROE) | 26.6% | 6.6% |
| ROIC [EBIT / Invested Capital] | 38.1% | 7.8% |
| Leverage & debt balances | ||
| Debt-to-Assets | 0.0% | 0.0% |
| Debt-to-Equity | 0.00x | 0.00x |
| Debt-to-EBITDA | 0.00x | 0.00x |
| Equity-to-Assets | 99.2% | 99.3% |
| Net Debt | -80 | -6 |
| Cash & Equivalents | 80 | 6 |
| Total Debt | N/A | N/A |
| Liquidity & working capital | ||
| Current Ratio | 107.62x | 130.85x |
| Quick Ratio | 107.62x | 130.85x |
| Cash Ratio | 4.27x | 0.84x |
| Total Current Assets | 2,013 | 932 |
| Total Current Liabilities | 19 | 7 |
| Inventory | N/A | N/A |
| Trade Receivables | 1,933 | 926 |
| Trade Payables | 2 | 5 |
| Net Working Capital | 1,994 | 925 |
| Net Working Capital % of Revenue | 62.0% | 93.0% |
| Trade Working Capital | 1,931 | 921 |
| Trade Working Capital % of Revenue | 60.0% | 92.6% |
| Change in Trade Working Capital | N/A | -1,010 |
| Turnover & efficiency | ||
| Inventory Turnover | N/A | N/A |
| Days Inventory Outstanding (DIO) | N/A | N/A |
| Receivables Turnover | 1.66x | 1.07x |
| Days Sales Outstanding (DSO) | 219.2 | 339.9 |
| Payables Turnover | 962.28x | 113.33x |
| Days Payable Outstanding (DPO) | 0.4 | 3.2 |
| Cash Conversion Cycle | 218.9 days | 336.6 days |
| Asset Turnover | 1.42x | 1.00x |
| Cash flow & dividends | ||
| Operating Cash Flow | N/A | N/A |
| Free Cash Flow (OCF − Capex proxy) | N/A | N/A |
| Cash Conversion (OCF / EBITDA) | N/A | 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).
Ranked by how close each latest revenue is to this one — not a curated comp set.