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Dividends declared (per SOCE filings): FY2022 0
Operates in Non-bank Credit (MFO/Leasing). Per the activity note to the FY2024 annual report, the company provides equipment-backed credit lending services.
| Ratio | 2022 | 2023 | 2024 |
|---|---|---|---|
| Margins | |||
| Gross Margin | 100.0% | 100.0% | 100.0% |
| EBITDA Margin | 76.8% | 74.3% | 68.6% |
| EBITDAR | 2,791 | 2,700 | 3,183 |
| EBITDAR Margin | 83.3% | 81.1% | 74.9% |
| EBIT Margin | 76.2% | 74.1% | 68.5% |
| Net Profit Margin | 61.3% | 53.9% | 54.6% |
| Operating Expense % of Sales | 23.2% | 25.7% | 31.4% |
| Returns | |||
| Return on Assets (ROA) | 53.7% | 32.1% | 29.5% |
| Return on Equity (ROE) | 60.8% | 34.7% | 30.8% |
| ROIC [EBIT / Invested Capital] | 73.3% | 53.8% | 48.6% |
| Leverage & debt balances | |||
| Debt-to-Assets | 6.3% | 0.0% | 0.0% |
| Debt-to-Equity | 0.07x | 0.00x | 0.00x |
| Debt-to-EBITDA | 0.09x | 0.00x | 0.00x |
| Equity-to-Assets | 88.3% | 92.5% | 95.6% |
| Net Debt | 108 | -588 | -1,531 |
| Cash & Equivalents | 133 | 588 | 1,531 |
| Total Debt | 241 | N/A | N/A |
| Liquidity & working capital | |||
| Current Ratio | 0.00x | 0.05x | 0.09x |
| Quick Ratio | 0.00x | 0.05x | 0.09x |
| Cash Ratio | 0.17x | 1.41x | 4.38x |
| Total Current Assets | 0 | 20 | 31 |
| Total Current Liabilities | 788 | 417 | 350 |
| Inventory | N/A | N/A | N/A |
| Trade Receivables | 71 | 541 | 802 |
| Trade Payables | N/A | N/A | N/A |
| Net Working Capital | -788 | -398 | -319 |
| Net Working Capital % of Revenue | -23.5% | -12.0% | -7.5% |
| Trade Working Capital | 71 | 541 | 802 |
| Trade Working Capital % of Revenue | 2.1% | 16.3% | 18.9% |
| Change in Trade Working Capital | N/A | 470 | 261 |
| Turnover & efficiency | |||
| Inventory Turnover | N/A | N/A | N/A |
| Days Inventory Outstanding (DIO) | N/A | N/A | N/A |
| Receivables Turnover | 47.08x | 6.15x | 5.30x |
| Days Sales Outstanding (DSO) | 7.8 | 59.3 | 68.9 |
| Payables Turnover | N/A | N/A | N/A |
| Days Payable Outstanding (DPO) | N/A | N/A | N/A |
| Cash Conversion Cycle | 7.8 days | 59.3 days | 68.9 days |
| Asset Turnover | 0.88x | 0.60x | 0.54x |
| Cash flow & dividends | |||
| Operating Cash Flow | 133 | N/A | N/A |
| Free Cash Flow (OCF − Capex proxy) | 133 | N/A | N/A |
| Cash Conversion (OCF / EBITDA) | 5.2% | N/A | N/A |
| Dividends Declared | 0 | N/A | N/A |
| Dividend Payout Ratio | 0.0% | 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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