Compare — Georgia Financials

panel 2026-09-21Ask

FY 2020 · GEL thousands · companies ordered by revenueXLSX

Line item	Davud	Nova Credit	MFO GIC	Alliance Group Lizingi	Capital Invest Group
Total Revenue	1,487	—	—	872	674
Total COGS	0	—	—	0	-27
Gross Profit	1,487	—	—	872	648
Gross Margin	100.0%	—	—	100.0%	96.1%
Total Operating Expenses	-742	—	—	-510	-761
EBITDA	745	—	—	362	-113
EBITDA Margin	50.1%	—	—	41.5%	-16.8%
Total D&A	0	—	—	0	-31
EBIT / Operating Income	745	—	—	63	-144
Total Interest Expense	-353	—	—	-283	-62
Total Other Income	266	—	—	329	28
Profit Before Tax	658	—	—	109	-178
Total Income Tax	-95	—	—	0	-7
Net Profit / (Loss)	563	—	—	109	-120
Net Margin	37.9%	—	—	12.5%	-17.9%
Net interest income	—	982	838	—	—
Net fee and commission income	—	17	25	—	—
Net foreign currency gain / (loss)	—	70	35	—	—
Operating income	—	1,069	898	—	—
Operating expenses	—	-640	-425	—	—
Operating income before cost of risk	—	429	473	—	—
Cost of risk	—	41	-181	—	—
Profit before income tax	—	470	292	—	—
Profit	—	470	220	—	—
Net profit margin	—	44.0%	24.5%	—	—
Income tax expense	—	—	-72	—	—
Impairment (non-financial)	—	—	—	-299	—

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 2020	Percentile	Sector n
Davud	Non-bank Credit (MFO/Leasing)	50.1%	71st pct	24
Alliance Group Lizingi	Non-bank Credit (MFO/Leasing)	41.5%	58th pct	24
Capital Invest Group	Non-bank Credit (MFO/Leasing)	-16.8%	17th pct	24
Nova Credit	Non-bank Credit (MFO/Leasing)	—	no FY data	24
MFO GIC	Non-bank Credit (MFO/Leasing)	—	no FY data	24

Percentile is within each company's own sector across the whole FY2020 cross-section (1st–100th; higher = larger value). Companies with no sector, or no filing for the year, are not ranked.