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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 FY2023 annual report, the company provides leasing services and engages in other permitted activities.
| Ratio | 2022 | 2023 |
|---|---|---|
| Margins | ||
| Gross Margin | 100.0% | 100.0% |
| EBITDA Margin | -29.1% | 3.5% |
| EBITDAR | -135 | 16 |
| EBITDAR Margin | -29.1% | 3.5% |
| EBIT Margin | -49.4% | -0.4% |
| Net Profit Margin | 30.6% | -0.5% |
| Operating Expense % of Sales | 129.1% | 96.5% |
| Returns | ||
| Return on Assets (ROA) | 10.3% | -0.1% |
| Return on Equity (ROE) | 10.8% | -0.1% |
| ROIC [EBIT / Invested Capital] | -16.9% | -0.1% |
| Leverage & debt balances | ||
| Debt-to-Assets | 3.5% | 3.9% |
| Debt-to-Equity | 0.04x | 0.04x |
| Debt-to-EBITDA | N/A | 4.38x |
| Equity-to-Assets | 94.6% | 94.5% |
| Net Debt | 44 | 62 |
| Cash & Equivalents | 3 | 10 |
| Total Debt | 48 | 72 |
| Liquidity & working capital | ||
| Current Ratio | 0.33x | 0.67x |
| Quick Ratio | 0.33x | 0.67x |
| Cash Ratio | 0.05x | 0.10x |
| Total Current Assets | 24 | 68 |
| Total Current Liabilities | 74 | 102 |
| Inventory | N/A | N/A |
| Trade Receivables | 19 | 39 |
| Trade Payables | 11 | 13 |
| Net Working Capital | -50 | -34 |
| Net Working Capital % of Revenue | -10.7% | -7.2% |
| Trade Working Capital | 7 | 26 |
| Trade Working Capital % of Revenue | 1.6% | 5.6% |
| Change in Trade Working Capital | N/A | 19 |
| Turnover & efficiency | ||
| Inventory Turnover | N/A | N/A |
| Days Inventory Outstanding (DIO) | N/A | N/A |
| Receivables Turnover | 25.08x | 11.95x |
| Days Sales Outstanding (DSO) | 14.6 | 30.6 |
| Payables Turnover | N/A | N/A |
| Days Payable Outstanding (DPO) | N/A | N/A |
| Cash Conversion Cycle | 14.6 days | 30.6 days |
| Asset Turnover | 0.34x | 0.25x |
| Cash flow & dividends | ||
| Operating Cash Flow | 613 | 688 |
| Free Cash Flow (OCF − Capex proxy) | 1 | 7 |
| Cash Conversion (OCF / EBITDA) | N/A | 4183.9% |
| 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.