Compare — Georgia Financials

panel 2026-09-21Ask

FY 2020 · GEL thousands · companies ordered by revenueXLSX

Line item	AcharaPay	Credit Management	MFO Intelexpress
Total Revenue	3,812	277	—
Total COGS	-342	0	—
Gross Profit	3,470	277	—
Gross Margin	91.0%	100.0%	—
Other Operating Income	4	—	—
Total Operating Expenses	-3,040	19	—
EBITDA	434	296	—
EBITDA Margin	11.4%	106.8%	—
Total D&A	-699	-10	—
EBIT / Operating Income	-265	286	—
Total Interest Income	78	—	—
Total Interest Expense	-86	-988	—
Total Other Income	-101	-1,164	—
Profit Before Tax	-374	-1,866	—
Total Income Tax	0	0	—
Net Profit / (Loss)	-461	-1,866	—
Net Margin	-12.1%	-672.6%	—
Net interest income	—	—	2
Net fee and commission income	—	—	5
Net foreign currency gain / (loss)	—	—	5
Operating income	—	—	11
Operating expenses	—	—	-6
Operating income before cost of risk	—	—	5
Cost of risk	—	—	-0
Profit before income tax	—	—	4
Income tax expense	—	—	-1
Profit	—	—	4
Net profit margin	—	—	35.1%

1 financial-sector filer in this set (MFO Intelexpress) report no EBITDA / EBIT / gross profit — banks and insurers structurally don't. Those metrics are blank for them and any pooled EBITDA figure understates this set.

This set mixes statement templates (bank, nonfin) — a line only some peers file shows blank for the rest, not zero.

Peer percentile within sector

Rank on

Company	Sector	EBITDA margin · FY 2020	Percentile	Sector n
Credit Management	Non-bank Credit (MFO/Leasing)	106.8%	92nd pct	24
AcharaPay	Non-bank Credit (MFO/Leasing)	11.4%	38th pct	24
MFO Intelexpress	Non-bank Credit (MFO/Leasing)	—	no FY data	24

Percentile is within each company's own sector across the whole FY2020 cross-section (1st–100th; higher = larger value). Companies with no sector, or no filing for the year, are not ranked.