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* Free cash flow = OCF − net investing outflow (the filings carry no standalone capex line).
Dividends declared (per SOCE filings): FY2018 199 · FY2019 0 · FY2020 0 — 3-yr total 199
Operates in Non-bank Credit (MFO/Leasing) — Microfinance. Per the activity note to the FY2020 annual report, the company provides financial activities through microfinance. Registered as microfinance organization; provides loans online up to 4,000 lari.
| 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 | -183 | -36 |
| 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% | -25.2% | -14.9% |
| Leverage & debt balances | ||||
| 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 |
| Liquidity & working capital | ||||
| Current Ratio | 22.73x | 1.85x | 38.26x | 74.17x |
| Quick Ratio | 22.73x | 1.85x | 38.26x | 74.17x |
| Cash Ratio | 5.35x | 0.54x | 73.73x | 0.00x |
| Total Current Assets | 1,078 | 1,325 | 97 | 96 |
| Total Current Liabilities | 47 | 717 | 3 | 1 |
| Inventory | N/A | N/A | N/A | N/A |
| Trade Receivables | N/A | N/A | N/A | N/A |
| Trade Payables | N/A | N/A | N/A | 1 |
| Net Working Capital | 1,030 | 607 | 94 | 95 |
| Net Working Capital % of Revenue | N/A | N/A | N/A | N/A |
| Trade Working Capital | N/A | N/A | N/A | -1 |
| Trade Working Capital % of Revenue | N/A | N/A | N/A | N/A |
| Change in Trade Working Capital | N/A | N/A | N/A | -1 |
| Turnover & efficiency | ||||
| 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 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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