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5 companies · GEL, thousands · columns ordered by revenue
| Company | Sector | EBITDA margin · FY 2018 | Percentile | Sector n |
|---|---|---|---|---|
| Microfinance Organizati… | Non-bank Credit (MFO/Leasing) | — | no FY data | 25 |
| MFO Continental City Cr… | Non-bank Credit (MFO/Leasing) | — | no FY data | 25 |
| Microfinance Organizati… | Non-bank Credit (MFO/Leasing) | — | no FY data | 25 |
| MFO Invest Georgia | Non-bank Credit (MFO/Leasing) | — | no FY data | 25 |
| Kristal Credit | Non-bank Credit (MFO/Leasing) | — | no FY data | 25 |
Percentile is within each company's own sector across the whole FY2018 cross-section (1st–100th; higher = larger value). Companies with no sector, or no filing for the year, are not ranked.
| Ratio — FY 2018 | MFO Continental City Cr… | MFO Invest Georgia | Microfinance Organizati… | Microfinance Organizati… | Kristal Credit |
|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 27.3% | 17.2% | 54.7% | 14.1% | — |
| Cost of Funds | 9.0% | 12.4% | 1.8% | 10.2% | — |
| Cost / Income Ratio | 176.4% | 281.7% | 71.8% | 280.1% | — |
| Cost of Risk | 0.0% | 0.0% | 0.0% | 0.0% | — |
| Net Fee Income / Operating Income | -16.7% | 0.0% | 8.8% | 0.0% | — |
| Return on Avg Assets (ROAA) | -35.9% | -27.3% | -8.3% | -10.7% | — |
| Return on Avg Equity (ROAE) | 3446.0% | 52.5% | -9.5% | -12.2% | — |
| Margins | |||||
| Gross Margin | — | — | — | — | N/A |
| EBITDA Margin | — | — | — | — | N/A |
| EBITDAR | — | — | — | — | 104 |
| EBITDAR Margin | — | — | — | — | N/A |
| EBIT Margin | — | — | — | — | N/A |
| Net Profit Margin | — | — | — | — | N/A |
| Operating Expense % of Sales | — | — | — | — | N/A |
| Returns | |||||
| Return on Assets (ROA) | — | — | — | — | -2.6% |
| Return on Equity (ROE) | — | — | — | — | -18.5% |
| ROIC [EBIT / Invested Capital] | — | — | — | — | 3.9% |
| Leverage & debt balances | |||||
| Debt-to-Assets | — | — | — | — | 37.2% |
| Debt-to-Equity | — | — | — | — | 2.62x |
| Debt-to-EBITDA | — | — | — | — | 16.69x |
| Equity-to-Assets | — | — | — | — | 14.2% |
| Net Debt | — | — | — | — | 859 |
| Cash & Equivalents | — | — | — | — | 637 |
| Total Debt | — | — | — | — | 1,496 |
| Liquidity & working capital | |||||
| Current Ratio | — | — | — | — | 2.25x |
| Quick Ratio | — | — | — | — | 2.25x |
| Cash Ratio | — | — | — | — | 0.47x |
| Total Current Assets | — | — | — | — | 3,045 |
| Total Current Liabilities | — | — | — | — | 1,350 |
| Inventory | — | — | — | — | N/A |
| Trade Receivables | — | — | — | — | 2,294 |
| Trade Payables | — | — | — | — | N/A |
| Net Working Capital | — | — | — | — | 1,694 |
| Net Working Capital % of Revenue | — | — | — | — | N/A |
| Trade Working Capital | — | — | — | — | 2,294 |
| Trade Working Capital % of Revenue | — | — | — | — | N/A |
| Change in Trade Working Capital | — | — | — | — | N/A |
| Turnover & efficiency | |||||
| Inventory Turnover | — | — | — | — | N/A |
| Days Inventory Outstanding (DIO) | — | — | — | — | N/A |
| Receivables Turnover | — | — | — | — | N/A |
| Days Sales Outstanding (DSO) | — | — | — | — | N/A |
| Payables Turnover | — | — | — | — | N/A |
| Days Payable Outstanding (DPO) | — | — | — | — | N/A |
| Cash Conversion Cycle | — | — | — | — | N/A |
| Asset Turnover | — | — | — | — | 0.00x |
| Cash flow & dividends | |||||
| Operating Cash Flow | — | — | — | — | -451 |
| Free Cash Flow (OCF − Capex proxy) | — | — | — | — | -451 |
| Cash Conversion (OCF / EBITDA) | — | — | — | — | -503.6% |
| Dividends Declared | — | — | — | — | N/A |
| Dividend Payout Ratio | — | — | — | — | N/A |
4 financial-sector filers in this set (MFO Continental City Cr…, MFO Invest Georgia, Microfinance Organizati…, 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.
Peers use different ratio blocks (bank / insurer / generic) — a ratio only one template defines is blank for the others.