Compare — Georgia Financials

panel 2026-09-21Ask

FY 2024 · GEL thousands · companies ordered by revenueXLSX

Only 4 of 5 peers filed FY2024. Switch to FY2023 (5 of 5).

Line item	MFO Lidercrediti	Lazika Capital MFO	MFO Smart Finance	Microfinance Organizati…	Euro Credit+
Net interest income	12,856	11,363	7,713	—	—
Net fee and commission income	234	—	1,465	—	—
Net foreign currency gain / (loss)	1,377	-1,111	186	—	—
Operating income	14,467	9,912	9,364	—	—
Operating expenses	-9,252	-8,455	-3,430	—	—
Operating income before cost of risk	5,215	1,457	5,934	—	—
Cost of risk	1,208	—	51	—	—
Profit before income tax	6,423	1,457	5,985	—	—
Income tax expense	-1,079	-283	-1,199	—	—
Profit	5,344	1,174	4,786	—	—
Net profit margin	36.9%	11.8%	51.1%	—	—
Net other income	—	-340	—	—	—
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 (MFO Lidercrediti, Lazika Capital MFO, MFO Smart Finance, 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.

Peer percentile within sector

Rank on

Company	Sector	EBITDA margin · FY 2024	Percentile	Sector n
Lazika Capital MFO	Non-bank Credit (MFO/Leasing)	—	no FY data	34
MFO Smart Finance	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 Lidercrediti	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.