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5 companies · GEL, thousands · columns ordered by revenue
| 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.
Only 4 of 5 peers filed FY2024. Switch to FY2019 (5 of 5).
| Ratio — FY 2024 | GOLD CREDIT | Nova Credit | MFO GIC | MFO Micro Fini | TG Mobail |
|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 13.0% | 17.9% | 23.2% | 24.9% | — |
| Cost of Funds | 15.5% | — | — | 16.6% | — |
| Cost / Income Ratio | 90.9% | 76.7% | 40.6% | 76.1% | — |
| Cost of Risk | 0.3% | 4.9% | -4.3% | 1.8% | — |
| Net Fee Income / Operating Income | 0.0% | 0.0% | 0.3% | 2.7% | — |
| Return on Avg Assets (ROAA) | 1.1% | 5.4% | 12.4% | 4.3% | — |
| Return on Avg Equity (ROAE) | 5.6% | 5.9% | 13.0% | 13.1% | — |
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.