Compare — Georgia Financials

panel 2026-09-21Ask

FY 2019 · GEL thousands · companies ordered by revenueXLSX

Line item	GOLD CREDIT	TG Mobail	MFO GIC	MFO Micro Fini	Nova Credit
Net interest income	1,126	—	875	604	-81
Net foreign currency gain / (loss)	316	—	42	—	-99
Net other income	6	—	35	—	—
Operating income	1,448	—	972	638	-71
Operating expenses	-1,807	—	-422	-556	833
Operating income before cost of risk	-360	—	549	82	761
Cost of risk	-452	—	—	—	-105
Profit before income tax	-674	—	624	13	221
Income tax expense	-370	—	-83	-7	-59
Profit	-1,044	—	541	6	162
Net profit margin	-72.1%	—	55.7%	1.0%	-227.5%
Total Revenue	—	995	—	—	—
Total COGS	—	-610	—	—	—
Gross Profit	—	385	—	—	—
Gross Margin	—	38.7%	—	—	—
Total Operating Expenses	—	-304	—	—	—
EBITDA	—	82	—	—	—
EBITDA Margin	—	8.2%	—	—	—
Total D&A	—	-5	—	—	—
EBIT / Operating Income	—	77	—	—	—
Total Other Income	—	-0	—	—	—
Profit Before Tax	—	77	—	—	—
Total Income Tax	—	-12	—	—	—
Net Profit / (Loss)	—	65	—	—	—
Net Margin	—	6.5%	—	—	—
Net fee and commission income	—	—	19	34	109

4 financial-sector filers in this set (GOLD CREDIT, MFO GIC, MFO Micro Fini, Nova Credit) 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 2019	Percentile	Sector n
TG Mobail	Non-bank Credit (MFO/Leasing)	8.2%	29th pct	28
Nova Credit	Non-bank Credit (MFO/Leasing)	—	no FY data	28
GOLD CREDIT	Non-bank Credit (MFO/Leasing)	—	no FY data	28
MFO GIC	Non-bank Credit (MFO/Leasing)	—	no FY data	28
MFO Micro Fini	Non-bank Credit (MFO/Leasing)	—	no FY data	28

Percentile is within each company's own sector across the whole FY2019 cross-section (1st–100th; higher = larger value). Companies with no sector, or no filing for the year, are not ranked.