სს მიკროსაფინანსო ორგანიზაცია კრედფინი

Ratio	2017	2018	2019	2020
Margins
Gross Margin	N/A	N/A	N/A	N/A
EBITDA Margin	N/A	N/A	N/A	N/A
EBITDAR	-152	0	37	-38
EBITDAR Margin	N/A	N/A	N/A	N/A
EBIT Margin	N/A	N/A	N/A	N/A
Net Profit Margin	N/A	N/A	N/A	N/A
Operating Expense % of Sales	N/A	N/A	N/A	N/A
Returns
Return on Assets (ROA)	9.6%	-1.0%	-9.2%	0.0%
Return on Equity (ROE)	16.6%	-2.8%	-27.0%	0.0%
ROIC [EBIT / Invested Capital]	-12.9%	-3.9%	-7.7%	-15.3%
Leverage & liquidity
Debt-to-Assets	75.8%	46.2%	65.5%	0.0%
Debt-to-Equity	1.31x	1.29x	1.92x	0.00x
Debt-to-EBITDA	N/A	N/A	N/A	N/A
Equity-to-Assets	57.9%	35.8%	34.1%	99.7%
Net Debt	595	427	767	-0
Cash & Equivalents	253	386	186	0
Total Debt	848	813	953	N/A
Efficiency & working capital
Inventory Turnover	N/A	N/A	N/A	N/A
Days Inventory Outstanding (DIO)	N/A	N/A	N/A	N/A
Receivables Turnover	N/A	N/A	N/A	N/A
Days Sales Outstanding (DSO)	N/A	N/A	N/A	N/A
Payables Turnover	N/A	N/A	N/A	N/A
Days Payable Outstanding (DPO)	N/A	N/A	N/A	N/A
Cash Conversion Cycle	N/A	N/A	N/A	N/A
Asset Turnover	0.00x	0.00x	0.00x	0.00x
Cash flow & dividends
Operating Cash Flow	36	85	17	-186
Free Cash Flow (OCF − Capex proxy)	36	76	-124	-186
Cash Conversion (OCF / EBITDA)	N/A	N/A	N/A	N/A
Dividends Declared	0	199	0	0
Dividend Payout Ratio	0.0%	N/A	N/A	0.0%

Money rows — EBITDAR, net debt, cash, total debt, operating and free cash flow, dividends declared — are in ₾ '000. Margins, returns and payout are percentages; turnover and leverage are multiples; DIO/DSO/DPO are days. Hover a metric name for its definition.

Ownership & group structure

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.

companyinfo.ge · fetched 2026-07-15