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5 companies · GEL, thousands · columns ordered by revenue
| Line item | Nova Credit | MFO GIC | MFO Micro Fini | MFO Express Capital+ | MFO Georgian Capital |
|---|---|---|---|---|---|
| Net interest income | 828 | 787 | 770 | 385 | 763 |
| Net foreign currency gain / (loss) | 110 | 3 | — | -2 | -17 |
| Operating income | 938 | 794 | 790 | 786 | 747 |
| Operating expenses | -544 | -381 | -558 | -991 | -678 |
| Operating income before cost of risk | 394 | 413 | 232 | -205 | 68 |
| Cost of risk | -229 | 144 | -57 | — | 115 |
| Profit before income tax | 165 | 557 | 176 | -205 | 183 |
| Income tax expense | 23 | -78 | -33 | 3 | — |
| Profit | 188 | 480 | 143 | -202 | 183 |
| Net profit margin | 20.0% | 60.4% | 18.1% | -25.7% | 24.5% |
| Net fee and commission income | — | 3 | 20 | 475 | — |
| Net other income | — | — | — | -72 | — |
5 financial-sector filers in this set (Nova Credit, MFO GIC, MFO Micro Fini, MFO Express Capital+, MFO Georgian Capital) 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.
| Company | Sector | EBITDA margin · FY 2024 | Percentile | Sector n |
|---|---|---|---|---|
| MFO GIC | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| MFO Micro Fini | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| MFO Express Capital+ | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| MFO Georgian Capital | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| Nova Credit | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
Percentile is within each company's own sector across the whole FY2024 cross-section (1st–100th; higher = larger value). Companies with no sector, or no filing for the year, are not ranked.