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* Free cash flow = OCF − net investing outflow (the filings carry no standalone capex line).
Operates in Non-bank Credit (MFO/Leasing) — Leasing. Per the activity note to the FY2024 annual report, the company carries out leasing of transport vehicles.
| Ratio | 2023 | 2024 |
|---|---|---|
| Margins | ||
| Gross Margin | 77.0% | 22.5% |
| EBITDA Margin | 69.0% | 12.7% |
| EBITDAR | 1,980 | 584 |
| EBITDAR Margin | 69.0% | 12.7% |
| EBIT Margin | 42.2% | -2.7% |
| Net Profit Margin | 42.7% | -5.4% |
| Operating Expense % of Sales | 8.0% | 9.8% |
| Returns | ||
| Return on Assets (ROA) | 16.5% | -2.5% |
| Return on Equity (ROE) | 18.0% | -3.8% |
| ROIC [EBIT / Invested Capital] | 17.4% | -1.5% |
| Leverage & debt balances | ||
| Debt-to-Assets | 5.0% | 21.0% |
| Debt-to-Equity | 0.05x | 0.31x |
| Debt-to-EBITDA | 0.19x | 3.51x |
| Equity-to-Assets | 91.6% | 66.9% |
| Net Debt | 129 | 1,675 |
| Cash & Equivalents | 239 | 379 |
| Total Debt | 368 | 2,054 |
| Liquidity & working capital | ||
| Current Ratio | 15.23x | 2.28x |
| Quick Ratio | 15.23x | 2.28x |
| Cash Ratio | 1.75x | 0.23x |
| Total Current Assets | 2,081 | 3,722 |
| Total Current Liabilities | 137 | 1,633 |
| Inventory | N/A | N/A |
| Trade Receivables | 1,531 | 3,059 |
| Trade Payables | 132 | 1,012 |
| Net Working Capital | 1,944 | 2,089 |
| Net Working Capital % of Revenue | 67.8% | 45.5% |
| Trade Working Capital | 1,399 | 2,046 |
| Trade Working Capital % of Revenue | 48.8% | 44.6% |
| Change in Trade Working Capital | N/A | 647 |
| Turnover & efficiency | ||
| Inventory Turnover | N/A | N/A |
| Days Inventory Outstanding (DIO) | N/A | N/A |
| Receivables Turnover | 1.87x | 1.50x |
| Days Sales Outstanding (DSO) | 194.8 | 243.3 |
| Payables Turnover | 5.00x | 3.51x |
| Days Payable Outstanding (DPO) | 72.9 | 104.0 |
| Cash Conversion Cycle | 121.9 days | 139.4 days |
| Asset Turnover | 0.39x | 0.47x |
| Cash flow & dividends | ||
| Operating Cash Flow | 79 | 39 |
| Free Cash Flow (OCF − Capex proxy) | 95 | -1,527 |
| Cash Conversion (OCF / EBITDA) | 4.0% | 6.7% |
| 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).
Ranked by how close each latest revenue is to this one — not a curated comp set.