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5 companies · GEL, thousands · columns ordered by revenue
Only 4 of 5 peers filed FY2024. Switch to FY2023 (5 of 5).
| Line item | Lazika Capital MFO | MFO Smart Finance | MFO Family Credit | Microfinance Organizati… | Euro Credit+ |
|---|---|---|---|---|---|
| Net interest income | 11,363 | 7,713 | 2,985 | — | — |
| Net foreign currency gain / (loss) | -1,111 | 186 | 8 | — | — |
| Net other income | -340 | — | — | — | — |
| Operating income | 9,912 | 9,364 | 6,179 | — | — |
| Operating expenses | -8,455 | -3,430 | -4,459 | — | — |
| Operating income before cost of risk | 1,457 | 5,934 | 1,720 | — | — |
| Profit before income tax | 1,457 | 5,985 | 1,472 | — | — |
| Income tax expense | -283 | -1,199 | -313 | — | — |
| Profit | 1,174 | 4,786 | 1,159 | — | — |
| Net profit margin | 11.8% | 51.1% | 18.8% | — | — |
| Net fee and commission income | — | 1,465 | 3,186 | — | — |
| Cost of risk | — | 51 | -247 | — | — |
| Total Revenue | — | — | — | — | 0 |
| Total COGS | — | — | — | — | 0 |
| Gross Profit | — | — | — | — | 0 |
| Gross Margin | — | — | — | — | 0.0% |
| Total Operating Expenses | — | — | — | — | -1,941 |
| EBITDA | — | — | — | — | -1,941 |
| EBITDA Margin | — | — | — | — | 0.0% |
| Total D&A | — | — | — | — | -6 |
| EBIT / Operating Income | — | — | — | — | -1,947 |
| Total Interest Income | — | — | — | — | 3,091 |
| Total Interest Expense | — | — | — | — | -5,193 |
| Total Other Income | — | — | — | — | -18 |
| Profit Before Tax | — | — | — | — | -4,066 |
| Total Income Tax | — | — | — | — | 0 |
| Net Profit / (Loss) | — | — | — | — | -3,043 |
| Net Margin | — | — | — | — | 0.0% |
Not every picked company reports every selected year — FY2024: no filing for Microfinance Organizati…. Those cells are left blank (no filing), not zero.
4 financial-sector filers in this set (Lazika Capital MFO, MFO Smart Finance, MFO Family Credit, Microfinance Organizati…) 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.
| Company | Sector | EBITDA margin · FY 2024 | Percentile | Sector n |
|---|---|---|---|---|
| MFO Smart Finance | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| Lazika Capital MFO | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| Microfinance Organizati… | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| Euro Credit+ | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| MFO Family 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.