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* Free cash flow = OCF − net investing outflow (the filings carry no standalone capex line).
Operates in Non-bank Credit (MFO/Leasing). Per the activity note to the FY2023 annual report, the company provides other types of credit services.
| Ratio | 2021 | 2022 | 2023 |
|---|---|---|---|
| Margins | |||
| Gross Margin | 100.0% | 100.0% | 100.0% |
| EBITDA Margin | 70.6% | 81.4% | 81.4% |
| EBITDAR | 1,804 | 2,040 | 2,057 |
| EBITDAR Margin | 72.8% | 83.7% | 83.9% |
| EBIT Margin | 70.3% | 81.0% | 81.3% |
| Net Profit Margin | 20.7% | 25.9% | 20.3% |
| Operating Expense % of Sales | 29.4% | 18.6% | 18.6% |
| Returns | |||
| Return on Assets (ROA) | 4.7% | 5.9% | 4.5% |
| Return on Equity (ROE) | 17.6% | 28.0% | 20.7% |
| ROIC [EBIT / Invested Capital] | 16.7% | 19.2% | 20.4% |
| Leverage & debt balances | |||
| Debt-to-Assets | 72.1% | 78.6% | 74.8% |
| Debt-to-Equity | 2.72x | 3.70x | 3.42x |
| Debt-to-EBITDA | 4.51x | 4.22x | 4.10x |
| Equity-to-Assets | 26.5% | 21.2% | 21.9% |
| Net Debt | 7,536 | 8,018 | 7,378 |
| Cash & Equivalents | 358 | 354 | 810 |
| Total Debt | 7,894 | 8,371 | 8,189 |
| Liquidity & working capital | |||
| Current Ratio | 1.27x | 1.19x | 1.07x |
| Quick Ratio | 1.27x | 1.19x | 1.07x |
| Cash Ratio | 0.04x | 0.04x | 0.09x |
| Total Current Assets | 10,229 | 10,016 | 9,171 |
| Total Current Liabilities | 8,045 | 8,394 | 8,549 |
| Inventory | N/A | N/A | N/A |
| Trade Receivables | N/A | N/A | 955 |
| Trade Payables | N/A | N/A | N/A |
| Net Working Capital | 2,184 | 1,622 | 622 |
| Net Working Capital % of Revenue | 88.1% | 66.5% | 25.4% |
| Trade Working Capital | N/A | N/A | 955 |
| Trade Working Capital % of Revenue | N/A | N/A | 38.9% |
| Change in Trade Working Capital | N/A | N/A | 955 |
| 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 | 2.57x |
| Days Sales Outstanding (DSO) | N/A | N/A | 142.2 |
| 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 | 142.2 days |
| Asset Turnover | 0.23x | 0.23x | 0.22x |
| Cash flow & dividends | |||
| Operating Cash Flow | 90 | 798 | 11,845 |
| Free Cash Flow (OCF − Capex proxy) | -328 | -481 | 11,835 |
| Cash Conversion (OCF / EBITDA) | 5.2% | 40.2% | 593.4% |
| Dividends Declared | N/A | N/A | N/A |
| Dividend Payout Ratio | N/A | 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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