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5 companies · GEL, thousands · columns ordered by revenue
Only 4 of 5 peers filed FY2024. Switch to FY2019 (5 of 5).
| Line item | GOLD CREDIT | Nova Credit | MFO GIC | MFO Micro Fini | TG Mobail |
|---|---|---|---|---|---|
| Net interest income | 1,013 | 828 | 787 | 770 | — |
| Net foreign currency gain / (loss) | -14 | 110 | 3 | — | — |
| Operating income | 999 | 938 | 794 | 790 | — |
| Operating expenses | -889 | -544 | -381 | -558 | — |
| Operating income before cost of risk | 110 | 394 | 413 | 232 | — |
| Cost of risk | -21 | -229 | 144 | -57 | — |
| Profit before income tax | 89 | 165 | 557 | 176 | — |
| Profit | 89 | 188 | 480 | 143 | — |
| Net profit margin | 8.9% | 20.0% | 60.4% | 18.1% | — |
| Income tax expense | — | 23 | -78 | -33 | — |
| Net fee and commission income | — | — | 3 | 20 | — |
Not every picked company reports every selected year — FY2024: no filing for TG Mobail. Those cells are left blank (no filing), not zero.
4 financial-sector filers in this set (GOLD CREDIT, Nova Credit, MFO GIC, MFO Micro Fini) 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.
| Company | Sector | EBITDA margin · FY 2024 | Percentile | Sector n |
|---|---|---|---|---|
| Nova Credit | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| TG Mobail | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| GOLD CREDIT | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| MFO GIC | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| MFO Micro Fini | 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.