Compare — Georgia Financials

panel 2026-09-21Ask

FY 2019 · GEL thousands · companies ordered by revenueXLSX

Line item	Microfinance Organizati…	Microfinance Organizati…	Mikrosapinanso Organiza…	Kristal Credit	Mikrosapinanso Organiza…
Net interest income	497	444	427	—	—
Net fee and commission income	61	—	0	—	—
Net foreign currency gain / (loss)	-15	42	0	—	—
Net other income	-37	—	—	—	—
Operating income	505	486	427	—	—
Operating expenses	-332	-279	-263	—	—
Operating income before cost of risk	174	207	164	—	—
Cost of risk	-74	—	—	—	—
Profit before income tax	98	257	-170	—	—
Income tax expense	-11	-38	-8	—	—
Profit	87	219	-178	—	—
Net profit margin	17.2%	45.0%	-41.6%	—	—
Total Revenue	—	—	—	299	0
Total COGS	—	—	—	0	0
Gross Profit	—	—	—	299	0
Gross Margin	—	—	—	100.0%	0.0%
Total Operating Expenses	—	—	—	-13	-563
EBITDA	—	—	—	285	-515
EBITDA Margin	—	—	—	95.5%	0.0%
Total D&A	—	—	—	-8	-163
EBIT / Operating Income	—	—	—	278	-678
Total Interest Income	—	—	—	128	1,158
Total Interest Expense	—	—	—	-22	-219
Total Other Income	—	—	—	33	-44
Profit Before Tax	—	—	—	416	431
Total Income Tax	—	—	—	-43	-83
Net Profit / (Loss)	—	—	—	174	438
Net Margin	—	—	—	58.4%	0.0%
Other Operating Income	—	—	—	—	48
Total Fee & Commission Income	—	—	—	—	214

3 financial-sector filers in this set (Microfinance Organizati…, Microfinance Organizati…, Mikrosapinanso Organiza…) 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 2019	Percentile	Sector n
Kristal Credit	Non-bank Credit (MFO/Leasing)	95.5%	96th pct	28
Mikrosapinanso Organiza…	Non-bank Credit (MFO/Leasing)	—	no FY data	28
Mikrosapinanso Organiza…	Non-bank Credit (MFO/Leasing)	—	no FY data	28
Microfinance Organizati…	Non-bank Credit (MFO/Leasing)	—	no FY data	28
Microfinance Organizati…	Non-bank Credit (MFO/Leasing)	—	no FY data	28

Percentile is within each company's own sector across the whole FY2019 cross-section (1st–100th; higher = larger value). Companies with no sector, or no filing for the year, are not ranked.