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Operates in Non-bank Credit (MFO/Leasing) — Leasing. Per the activity note to the FY2024 annual report, the company leases and provides leasing for vehicles and light transport equipment.
| Ratio | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Margins | ||||
| Gross Margin | 100.0% | 100.0% | 100.0% | 100.0% |
| EBITDA Margin | 42.7% | 49.9% | 43.8% | 44.7% |
| EBITDAR | 331 | 865 | 1,024 | 795 |
| EBITDAR Margin | 47.1% | 53.4% | 51.1% | 47.5% |
| EBIT Margin | 40.5% | 48.6% | 42.2% | 42.8% |
| Net Profit Margin | -22.9% | -27.2% | 53.9% | 27.5% |
| Operating Expense % of Sales | 57.3% | 50.1% | 56.2% | 55.3% |
| Returns | ||||
| Return on Assets (ROA) | -2.7% | -6.9% | 17.8% | 8.8% |
| Return on Equity (ROE) | N/A | -40.6% | 33.4% | 23.5% |
| ROIC [EBIT / Invested Capital] | 8.7% | 21.7% | 18.6% | 21.8% |
| Leverage & debt balances | ||||
| Debt-to-Assets | 91.9% | 70.0% | 30.7% | 37.0% |
| Debt-to-Equity | -68.59x | 4.14x | 0.58x | 0.99x |
| Debt-to-EBITDA | 18.06x | 5.55x | 2.13x | 2.60x |
| Equity-to-Assets | -1.3% | 16.9% | 53.2% | 37.4% |
| Net Debt | 3,345 | 2,534 | 1,313 | 1,324 |
| Cash & Equivalents | 2,079 | 1,951 | 555 | 618 |
| Total Debt | 5,424 | 4,485 | 1,868 | 1,942 |
| Liquidity & working capital | ||||
| Current Ratio | 2.26x | 1.28x | 2.26x | 1.94x |
| Quick Ratio | 2.26x | 1.28x | 2.26x | 1.94x |
| Cash Ratio | 1.44x | 0.85x | 0.57x | 0.46x |
| Total Current Assets | 3,248 | 2,936 | 2,207 | 2,601 |
| Total Current Liabilities | 1,440 | 2,291 | 978 | 1,340 |
| Inventory | N/A | N/A | N/A | N/A |
| Trade Receivables | N/A | 37 | 524 | 759 |
| Trade Payables | 98 | 84 | 76 | 67 |
| Net Working Capital | 1,808 | 645 | 1,229 | 1,262 |
| Net Working Capital % of Revenue | 257.3% | 39.8% | 61.3% | 75.4% |
| Trade Working Capital | -98 | -47 | 448 | 693 |
| Trade Working Capital % of Revenue | -13.9% | -2.9% | 22.3% | 41.4% |
| Change in Trade Working Capital | N/A | 50 | 495 | 245 |
| 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 | 44.13x | 3.83x | 2.20x |
| Days Sales Outstanding (DSO) | N/A | 8.3 | 95.4 | 165.6 |
| 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 | 8.3 days | 95.4 days | 165.6 days |
| Asset Turnover | 0.12x | 0.25x | 0.33x | 0.32x |
| Cash flow & dividends | ||||
| Operating Cash Flow | N/A | N/A | N/A | N/A |
| Free Cash Flow (OCF − Capex proxy) | N/A | N/A | N/A | N/A |
| Cash Conversion (OCF / EBITDA) | N/A | N/A | N/A | N/A |
| Dividends Declared | N/A | N/A | N/A | N/A |
| Dividend Payout Ratio | N/A | 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).
Ranked by how close each latest revenue is to this one — not a curated comp set.