Compare — Georgia Financials

panel 2026-09-21Ask

FY 2024 · GEL thousands · companies ordered by revenueXLSX

Only 4 of 5 peers filed FY2024. Switch to FY2020 (5 of 5).

Line item	Nova Credit	Capital Invest Group	Davud	MFO GIC	Alliance Group Lizingi
Net interest income	828	—	—	787	—
Net foreign currency gain / (loss)	110	—	—	3	—
Operating income	938	—	—	794	—
Operating expenses	-544	—	—	-381	—
Operating income before cost of risk	394	—	—	413	—
Cost of risk	-229	—	—	144	—
Profit before income tax	165	—	—	557	—
Income tax expense	23	—	—	-78	—
Profit	188	—	—	480	—
Net profit margin	20.0%	—	—	60.4%	—
Total Revenue	—	909	882	—	—
Total COGS	—	-0	0	—	—
Gross Profit	—	909	882	—	—
Gross Margin	—	100.0%	100.0%	—	—
Total Operating Expenses	—	-780	-725	—	—
EBITDA	—	129	157	—	—
EBITDA Margin	—	14.2%	17.8%	—	—
Total D&A	—	-32	-69	—	—
EBIT / Operating Income	—	97	88	—	—
Total Interest Expense	—	-46	-146	—	—
Total Other Income	—	15	137	—	—
Profit Before Tax	—	66	82	—	—
Total Income Tax	—	-4	0	—	—
Net Profit / (Loss)	—	62	82	—	—
Net Margin	—	6.8%	9.2%	—	—
Total Interest Income	—	—	3	—	—
Net fee and commission income	—	—	—	3	—

Not every picked company reports every selected year — FY2024: no filing for Alliance Group Lizingi. Those cells are left blank (no filing), not zero.

2 financial-sector filers in this set (Nova Credit, MFO GIC) 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 2024	Percentile	Sector n
Davud	Non-bank Credit (MFO/Leasing)	17.8%	26th pct	34
Capital Invest Group	Non-bank Credit (MFO/Leasing)	14.2%	24th pct	34
Alliance Group Lizingi	Non-bank Credit (MFO/Leasing)	—	no FY data	34
Nova Credit	Non-bank Credit (MFO/Leasing)	—	no FY data	34
MFO GIC	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.