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5 companies · GEL, thousands · columns ordered by revenue
| Company | Sector | EBITDA margin · FY 2024 | Percentile | Sector n |
|---|---|---|---|---|
| Park Kepital Management | Non-bank Credit (MFO/Leasing) | 93.9% | 100th pct | 34 |
| Laki Credit | Non-bank Credit (MFO/Leasing) | 68.6% | 91st pct | 34 |
| Laki Group | Non-bank Credit (MFO/Leasing) | 42.0% | 50th pct | 34 |
| MFO Georgian Credit | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| MFO Centrali | 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.
| Ratio — FY 2024 | Laki Credit | MFO Georgian Credit | Laki Group | MFO Centrali | Park Kepital Management |
|---|---|---|---|---|---|
| Margins | |||||
| Gross Margin | 100.0% | — | 100.0% | — | 100.0% |
| EBITDA Margin | 68.6% | — | 42.0% | — | 93.9% |
| EBITDAR | 3,183 | — | 1,342 | — | 2,807 |
| EBITDAR Margin | 74.9% | — | 42.0% | — | 95.7% |
| EBIT Margin | 68.5% | — | 41.8% | — | 87.1% |
| Net Profit Margin | 54.6% | — | 31.1% | — | 48.3% |
| Operating Expense % of Sales | 31.4% | — | 58.0% | — | 6.1% |
| Returns | |||||
| Return on Assets (ROA) | 29.5% | — | 22.9% | — | 3.7% |
| Return on Equity (ROE) | 30.8% | — | 30.8% | — | 7.0% |
| ROIC [EBIT / Invested Capital] | |||||
2 financial-sector filers in this set (MFO Georgian Credit, MFO Centrali) 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.
Peers use different ratio blocks (bank / insurer / generic) — a ratio only one template defines is blank for the others.
| 48.6% |
| — |
| 31.4% |
| — |
| 6.7% |
| Leverage & debt balances | |||||
| Debt-to-Assets | 0.0% | — | 25.9% | — | 47.0% |
| Debt-to-Equity | 0.00x | — | 0.35x | — | 0.89x |
| Debt-to-EBITDA | 0.00x | — | 0.84x | — | 6.50x |
| Equity-to-Assets | 95.6% | — | 74.1% | — | 52.9% |
| Net Debt | -1,531 | — | 1,022 | — | 17,881 |
| Cash & Equivalents | 1,531 | — | 103 | — | 8 |
| Total Debt | N/A | — | 1,125 | — | 17,889 |
| Liquidity & working capital | |||||
| Current Ratio | 0.09x | — | 3466.13x | — | 0.47x |
| Quick Ratio | 0.09x | — | 3466.13x | — | 0.47x |
| Cash Ratio | 4.38x | — | 82.08x | — | 0.00x |
| Total Current Assets | 31 | — | 4,333 | — | 3,605 |
| Total Current Liabilities | 350 | — | 1 | — | 7,595 |
| Inventory | N/A | — | N/A | — | N/A |
| Trade Receivables | 802 | — | 4,179 | — | 107 |
| Trade Payables | N/A | — | N/A | — | 29 |
| Net Working Capital | -319 | — | 4,331 | — | -3,990 |
| Net Working Capital % of Revenue | -7.5% | — | 135.6% | — | -136.1% |
| Trade Working Capital | 802 | — | 4,179 | — | 78 |
| Trade Working Capital % of Revenue | 18.9% | — | 130.8% | — | 2.7% |
| Change in Trade Working Capital | N/A | — | N/A | — | N/A |
| Turnover & efficiency | |||||
| Inventory Turnover | N/A | — | N/A | — | N/A |
| Days Inventory Outstanding (DIO) | N/A | — | N/A | — | N/A |
| Receivables Turnover | 5.30x | — | 0.76x | — | 27.39x |
| Days Sales Outstanding (DSO) | 68.9 | — | 477.5 | — | 13.3 |
| Payables Turnover | N/A | — | N/A | — | N/A |
| Days Payable Outstanding (DPO) | N/A | — | N/A | — | N/A |
| Cash Conversion Cycle | 68.9 days | — | 477.5 days | — | 13.3 days |
| Asset Turnover | 0.54x | — | 0.73x | — | 0.08x |
| Cash flow & dividends | |||||
| Operating Cash Flow | N/A | — | -437 | — | N/A |
| Free Cash Flow (OCF − Capex proxy) | N/A | — | -428 | — | N/A |
| Cash Conversion (OCF / EBITDA) | N/A | — | -32.5% | — | N/A |
| Dividends Declared | N/A | — | N/A | — | N/A |
| Dividend Payout Ratio | N/A | — | N/A | — | N/A |
| Net Interest Margin (NIM) | — | 22.6% | — | 26.6% | — |
| Cost of Funds | — | 9.7% | — | 8.0% | — |
| Cost / Income Ratio | — | 482.1% | — | 88.3% | — |
| Cost of Risk | — | 19.4% | — | 2.5% | — |
| Net Fee Income / Operating Income | — | 27.0% | — | 20.6% | — |
| Return on Avg Assets (ROAA) | — | -12.7% | — | 1.7% | — |
| Return on Avg Equity (ROAE) | — | -146.8% | — | 4.5% | — |