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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 FY2020 annual report, the company leases machinery and equipment.
| Ratio | 2018 | 2019 | 2020 |
|---|---|---|---|
| Margins | |||
| Gross Margin | 27.8% | 35.6% | 100.0% |
| EBITDA Margin | 4.2% | 6.1% | 95.1% |
| EBITDAR | 248 | 623 | 228 |
| EBITDAR Margin | 5.4% | 18.6% | 95.1% |
| EBIT Margin | 1.4% | 2.1% | 38.9% |
| Net Profit Margin | -0.8% | -3.2% | -21.5% |
| Operating Expense % of Sales | 23.6% | 29.5% | 4.9% |
| Returns | |||
| Return on Assets (ROA) | -1.4% | -7.4% | -4.1% |
| Return on Equity (ROE) | -19.8% | -143.7% | -225.3% |
| ROIC [EBIT / Invested Capital] | 4.6% | 7.6% | 12.8% |
| Leverage & debt balances | |||
| Debt-to-Assets | 49.5% | 59.4% | 56.7% |
| Debt-to-Equity | 6.83x | 11.54x | 30.93x |
| Debt-to-EBITDA | 6.39x | 4.19x | 3.10x |
| Equity-to-Assets | 7.2% | 5.1% | 1.8% |
| Net Debt | 1,163 | 856 | 707 |
| Cash & Equivalents | 75 | 3 | 0 |
| Total Debt | 1,238 | 859 | 707 |
| Liquidity & working capital | |||
| Current Ratio | 1.15x | 1.01x | 0.91x |
| Quick Ratio | 1.15x | 1.01x | 0.91x |
| Cash Ratio | 0.06x | 0.01x | 0.00x |
| Total Current Assets | 1,424 | 519 | 460 |
| Total Current Liabilities | 1,237 | 512 | 505 |
| Inventory | N/A | N/A | N/A |
| Trade Receivables | 603 | 395 | 358 |
| Trade Payables | 942 | 464 | 457 |
| Net Working Capital | 187 | 7 | -45 |
| Net Working Capital % of Revenue | 4.1% | 0.2% | -18.5% |
| Trade Working Capital | -339 | -69 | -99 |
| Trade Working Capital % of Revenue | -7.4% | -2.1% | -41.1% |
| Change in Trade Working Capital | N/A | 270 | -30 |
| Turnover & efficiency | |||
| Inventory Turnover | N/A | N/A | N/A |
| Days Inventory Outstanding (DIO) | N/A | N/A | N/A |
| Receivables Turnover | 7.56x | 8.50x | 0.67x |
| Days Sales Outstanding (DSO) | 48.3 | 42.9 | 544.7 |
| Payables Turnover | 3.49x | 4.66x | N/A |
| Days Payable Outstanding (DPO) | 104.5 | 78.4 | N/A |
| Cash Conversion Cycle | -56.2 days | -35.4 days | 544.7 days |
| Asset Turnover | 1.82x | 2.32x | 0.19x |
| Cash flow & dividends | |||
| Operating Cash Flow | 338 | 281 | 144 |
| Free Cash Flow (OCF − Capex proxy) | 181 | 308 | 149 |
| Cash Conversion (OCF / EBITDA) | 174.5% | 137.1% | 62.9% |
| Dividends Declared | N/A | N/A | N/A |
| Dividend Payout Ratio | 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.