Compare — Georgia Financials

panel 2026-09-21Ask

FY 2020 · GEL thousands · companies ordered by revenueXLSX

Line item	Rico Express	Swiss Capital MFI	Finbureau	Mikrosapinanso Organiza…	Swiss Holdings
Net interest income	47,298	22,900	22,796	—	-2,798
Net fee and commission income	6,064	2,138	—	—	—
Net foreign currency gain / (loss)	14,142	-184	97	—	-2,854
Net other income	-2,525	-102	—	—	—
Operating income	64,979	24,752	22,894	—	-5,652
Operating expenses	-14,858	-12,354	-11,845	—	—
Operating income before cost of risk	50,121	12,398	11,049	—	-885
Cost of risk	330	-2,132	—	—	—
Profit before income tax	50,451	10,266	11,049	—	514
Income tax expense	-7,209	-1,429	-1,665	—	—
Profit	43,242	9,557	9,384	—	514
Net profit margin	66.5%	38.6%	41.0%	—	-9.1%
Total Revenue	—	—	—	0	—
Total COGS	—	—	—	0	—
Gross Profit	—	—	—	0	—
Gross Margin	—	—	—	0.0%	—
Total Operating Expenses	—	—	—	-36	—
EBITDA	—	—	—	-36	—
EBITDA Margin	—	—	—	0.0%	—
Total D&A	—	—	—	-19	—
EBIT / Operating Income	—	—	—	-55	—
Total Interest Income	—	—	—	41	—
Total Interest Expense	—	—	—	-24	—
Total Other Income	—	—	—	38	—
Profit Before Tax	—	—	—	0	—
Total Income Tax	—	—	—	0	—
Net Profit / (Loss)	—	—	—	0	—
Net Margin	—	—	—	0.0%	—
Profit / (loss) from associates	—	—	—	—	4,767

4 financial-sector filers in this set (Rico Express, Swiss Capital MFI, Finbureau, Swiss Holdings) 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 2020	Percentile	Sector n
Mikrosapinanso Organiza…	Non-bank Credit (MFO/Leasing)	—	no FY data	24
Rico Express	Non-bank Credit (MFO/Leasing)	—	no FY data	24
Swiss Holdings	Non-bank Credit (MFO/Leasing)	—	no FY data	24
Swiss Capital MFI	Non-bank Credit (MFO/Leasing)	—	no FY data	24
Finbureau	Non-bank Credit (MFO/Leasing)	—	no FY data	24

Percentile is within each company's own sector across the whole FY2020 cross-section (1st–100th; higher = larger value). Companies with no sector, or no filing for the year, are not ranked.