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Operates in Non-bank Credit (MFO/Leasing) — Money Transfer. Per the activity note to the FY2020 annual report, the company purchases and processes non-performing loans.
Subsidiary of Saaktsio Sazogadoeba 4 Pianens Group S.a. (100.0%)
| Ratio | 2017 | 2018 | 2019 | 2020 |
|---|---|---|---|---|
| Margins | ||||
| Gross Margin | 100.0% | 100.0% | 100.0% | 100.0% |
| EBITDA Margin | 60.5% | 150.4% | -615.8% | 106.8% |
| EBITDAR | 3,253 | 2,503 | -1,159 | 325 |
| EBITDAR Margin | 60.8% | 152.1% | -599.5% | 117.0% |
| EBIT Margin | 60.3% | 149.7% | -624.1% | 103.2% |
| Net Profit Margin | -31.9% | 149.6% | -416.4% | -672.6% |
| Operating Expense % of Sales | 39.5% | 50.4% | 715.8% | 6.8% |
| Returns | ||||
| Return on Assets (ROA) | -37.2% | 59.0% | -35.1% | -528.2% |
| Return on Equity (ROE) | N/A | N/A | N/A | N/A |
| ROIC [EBIT / Invested Capital] | 311.2% | 714.7% | -86.6% | 1363.0% |
| Leverage & debt balances | ||||
| Debt-to-Assets | 285.8% | 242.1% | 428.7% | 3198.1% |
| Debt-to-Equity | -1.33x | -1.38x | -1.28x | -1.03x |
| Debt-to-EBITDA | 4.05x | 4.08x | N/A | 38.14x |
| Equity-to-Assets | -215.2% | -175.3% | -334.8% | -3100.6% |
| Net Debt | 10,912 | 7,668 | 9,079 | 10,973 |
| Cash & Equivalents | 2,200 | 2,445 | 763 | 323 |
| Total Debt | 13,112 | 10,112 | 9,843 | 11,296 |
| Liquidity & working capital | ||||
| Current Ratio | 1.34x | 0.97x | 0.60x | 7.09x |
| Quick Ratio | 1.34x | 0.97x | 0.60x | 7.09x |
| Cash Ratio | 0.65x | 0.57x | 0.20x | 82.65x |
| Total Current Assets | 4,547 | 4,147 | 2,283 | 28 |
| Total Current Liabilities | 3,394 | 4,280 | 3,826 | 4 |
| Inventory | N/A | N/A | N/A | N/A |
| Trade Receivables | 2,347 | 1,703 | 1,519 | N/A |
| Trade Payables | 1,347 | 1,382 | 139 | 4 |
| Net Working Capital | 1,153 | -133 | -1,543 | 24 |
| Net Working Capital % of Revenue | 21.5% | -8.1% | -798.3% | 8.6% |
| Trade Working Capital | 1,000 | 321 | 1,380 | -4 |
| Trade Working Capital % of Revenue | 18.7% | 19.5% | 714.1% | -1.4% |
| Change in Trade Working Capital | N/A | -679 | 1,059 | -1,384 |
| 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 | 2.28x | 0.97x | 0.13x | N/A |
| Days Sales Outstanding (DSO) | 160.1 | 377.5 | 2869.5 | 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 | 160.1 days | 377.5 days | 2869.5 days | N/A |
| Asset Turnover | 1.17x | 0.39x | 0.08x | 0.79x |
| Cash flow & dividends | ||||
| Operating Cash Flow | -3,983 | 3,244 | -1,412 | -1,894 |
| Free Cash Flow (OCF − Capex proxy) | -3,983 | 3,244 | -1,412 | -1,893 |
| Cash Conversion (OCF / EBITDA) | -122.9% | 131.0% | N/A | -639.6% |
| 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).
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