Compare — Georgia Financials

panel 2026-09-21Ask

FY 2023 · GEL thousands · companies ordered by revenueXLSX

Line item	MFO Lidercrediti	Lazika Capital MFO	MFO Smart Finance	Microfinance Organizati…	Euro Credit+
Net interest income	9,863	12,560	6,842	6,606	—
Net fee and commission income	461	—	1,258	1,290	—
Net foreign currency gain / (loss)	858	526	654	-74	—
Operating income	11,182	10,104	8,755	7,823	—
Operating expenses	-8,082	-9,114	-3,232	-726	—
Operating income before cost of risk	3,100	990	5,522	7,097	—
Cost of risk	1,594	—	-40	—	—
Profit before income tax	4,694	990	5,482	7,097	—
Income tax expense	-1,189	67	-1,121	-995	—
Profit	3,505	1,057	4,362	6,103	—
Net profit margin	31.3%	10.5%	49.8%	78.0%	—
Net other income	—	-2,982	—	—	—
Total Revenue	—	—	—	—	0
Total COGS	—	—	—	—	0
Gross Profit	—	—	—	—	0
Gross Margin	—	—	—	—	0.0%
Total Operating Expenses	—	—	—	—	1,149
EBITDA	—	—	—	—	1,149
EBITDA Margin	—	—	—	—	0.0%
Total D&A	—	—	—	—	-13
EBIT / Operating Income	—	—	—	—	1,136
Total Interest Income	—	—	—	—	4,286
Total Interest Expense	—	—	—	—	-4,140
Total Other Income	—	—	—	—	1,693
Profit Before Tax	—	—	—	—	2,975
Total Income Tax	—	—	—	—	0
Net Profit / (Loss)	—	—	—	—	175
Net Margin	—	—	—	—	0.0%

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 2023	Percentile	Sector n
Lazika Capital MFO	Non-bank Credit (MFO/Leasing)	—	no FY data	36
MFO Smart Finance	Non-bank Credit (MFO/Leasing)	—	no FY data	36
Microfinance Organizati…	Non-bank Credit (MFO/Leasing)	—	no FY data	36
Euro Credit+	Non-bank Credit (MFO/Leasing)	—	no FY data	36
MFO Lidercrediti	Non-bank Credit (MFO/Leasing)	—	no FY data	36

Percentile is within each company's own sector across the whole FY2023 cross-section (1st–100th; higher = larger value). Companies with no sector, or no filing for the year, are not ranked.