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Dividends declared (per SOCE filings): FY2022 0 · FY2023 790 · FY2024 445 — 3-yr total 1,235
Operates in Non-bank Credit (MFO/Leasing) — Microfinance. Per the activity note to the FY2024 annual report, the group provides microfinance loans. Established 2015; operates through group structure.
Group parent — controls 1 company · ownership
| Ratio | 2023 | 2024 |
|---|---|---|
| Margins | ||
| Gross Margin | 100.0% | 100.0% |
| EBITDA Margin | 21.5% | 52.6% |
| EBITDAR | 596 | 1,359 |
| EBITDAR Margin | 24.9% | 55.7% |
| EBIT Margin | 20.7% | 51.8% |
| Net Profit Margin | 38.7% | 79.2% |
| Operating Expense % of Sales | 78.5% | 47.4% |
| Returns | ||
| Return on Assets (ROA) | 7.8% | 12.6% |
| Return on Equity (ROE) | 14.4% | 24.4% |
| ROIC [EBIT / Invested Capital] | 5.4% | 9.5% |
| Leverage & debt balances | ||
| Debt-to-Assets | 41.5% | 45.7% |
| Debt-to-Equity | 0.77x | 0.89x |
| Debt-to-EBITDA | 9.63x | 5.47x |
| Equity-to-Assets | 54.0% | 51.5% |
| Net Debt | 2,698 | 5,349 |
| Cash & Equivalents | 2,250 | 1,670 |
| Total Debt | 4,948 | 7,018 |
| Liquidity & working capital | ||
| Current Ratio | 6.85x | 4.43x |
| Quick Ratio | 6.85x | 4.43x |
| Cash Ratio | 6.85x | 4.43x |
| Total Current Assets | 2,250 | 1,670 |
| Total Current Liabilities | 329 | 377 |
| Inventory | N/A | N/A |
| Trade Receivables | N/A | N/A |
| Trade Payables | N/A | N/A |
| Net Working Capital | 1,921 | 1,293 |
| Net Working Capital % of Revenue | 80.3% | 53.0% |
| Trade Working Capital | N/A | N/A |
| Trade Working Capital % of Revenue | N/A | N/A |
| Change in Trade Working Capital | N/A | N/A |
| Turnover & efficiency | ||
| Inventory Turnover | N/A | N/A |
| Days Inventory Outstanding (DIO) | N/A | N/A |
| Receivables Turnover | N/A | N/A |
| Days Sales Outstanding (DSO) | N/A | N/A |
| Payables Turnover | N/A | N/A |
| Days Payable Outstanding (DPO) | N/A | N/A |
| Cash Conversion Cycle | N/A | N/A |
| Asset Turnover | 0.20x | 0.16x |
| Cash flow & dividends | ||
| Operating Cash Flow | -582 | -99 |
| Free Cash Flow (OCF − Capex proxy) | -568 | -99 |
| Cash Conversion (OCF / EBITDA) | -113.2% | -7.7% |
| Dividends Declared | 790 | 445 |
| Dividend Payout Ratio | 85.3% | 23.0% |
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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