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Operates in Non-bank Credit (MFO/Leasing) — Leasing. Per the activity note to the FY2024 annual report, the company leases automobiles.
| Ratio | 2023 | 2024 |
|---|---|---|
| Margins | ||
| Gross Margin | -10.4% | 84.7% |
| EBITDA Margin | -167.0% | 22.3% |
| EBITDAR | -1,097 | 769 |
| EBITDAR Margin | -142.5% | 28.6% |
| EBIT Margin | -168.2% | 22.0% |
| Net Profit Margin | -68.5% | 96.6% |
| Operating Expense % of Sales | 156.6% | 62.4% |
| Returns | ||
| Return on Assets (ROA) | -21.8% | 52.6% |
| Return on Equity (ROE) | -70.9% | 73.5% |
| ROIC [EBIT / Invested Capital] | -59.2% | 12.5% |
| Leverage & debt balances | ||
| Debt-to-Assets | 62.9% | 25.6% |
| Debt-to-Equity | 2.04x | 0.36x |
| Debt-to-EBITDA | N/A | 2.11x |
| Equity-to-Assets | 30.8% | 71.6% |
| Net Debt | 1,443 | 1,198 |
| Cash & Equivalents | 76 | 64 |
| Total Debt | 1,519 | 1,262 |
| Liquidity & working capital | ||
| Current Ratio | 2.34x | 1.63x |
| Quick Ratio | 2.34x | 1.63x |
| Cash Ratio | 0.51x | 0.46x |
| Total Current Assets | 346 | 224 |
| Total Current Liabilities | 148 | 137 |
| Inventory | N/A | N/A |
| Trade Receivables | 110 | 1 |
| Trade Payables | 89 | 92 |
| Net Working Capital | 198 | 87 |
| Net Working Capital % of Revenue | 25.7% | 3.2% |
| Trade Working Capital | 21 | -90 |
| Trade Working Capital % of Revenue | 2.7% | -3.4% |
| Change in Trade Working Capital | N/A | -111 |
| Turnover & efficiency | ||
| Inventory Turnover | N/A | N/A |
| Days Inventory Outstanding (DIO) | N/A | N/A |
| Receivables Turnover | 7.01x | 1937.72x |
| Days Sales Outstanding (DSO) | 52.0 | 0.2 |
| Payables Turnover | 9.56x | 4.49x |
| Days Payable Outstanding (DPO) | 38.2 | 81.3 |
| Cash Conversion Cycle | 13.9 days | -81.1 days |
| Asset Turnover | 0.32x | 0.55x |
| 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).
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