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3 companies · GEL, thousands · columns ordered by revenue
| Company | Sector | EBITDA margin · FY 2024 | Percentile | Sector n |
|---|---|---|---|---|
| AcharaPay | Non-bank Credit (MFO/Leasing) | 48.4% | 65th pct | 34 |
| Credit Management | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| MFO Intelexpress | 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 2 of 3 peers filed FY2024. Switch to FY2020 (3 of 3).
| Ratio — FY 2024 | MFO Intelexpress | AcharaPay | Credit Management |
|---|---|---|---|
| Net Interest Margin (NIM) | 9.8% | — | — |
| Cost of Funds | 8.3% | — | — |
| Cost / Income Ratio | 79.9% | — | — |
| Cost of Risk | 0.9% | — | — |
| Net Fee Income / Operating Income | 42.3% | — | — |
| Return on Avg Assets (ROAA) | 3.1% | — | — |
| Return on Avg Equity (ROAE) | 12.0% | — | — |
| Margins | |||
| Gross Margin | — | 98.0% | — |
| EBITDA Margin | — | 48.4% | — |
| EBITDAR | — | 4,679 | — |
| EBITDAR Margin | — | 48.4% | — |
| EBIT Margin | — | 33.2% | — |
| Net Profit Margin | — | 38.7% | — |
| Operating Expense % of Sales | — | 49.8% | — |
| Returns | |||
| Return on Assets (ROA) | — | 17.1% | — |
| Return on Equity (ROE) | — | 52.7% | — |
| ROIC [EBIT / Invested Capital] | — | N/A | — |
| Leverage & debt balances | |||
| Debt-to-Assets | — | 4.5% | — |
| Debt-to-Equity | — | 0.14x | — |
| Debt-to-EBITDA | — | 0.21x | — |
| Equity-to-Assets | — | 32.4% | — |
| Net Debt | — | -7,404 | — |
| Cash & Equivalents | — | 8,381 | — |
| Total Debt | — | 977 | — |
| Liquidity & working capital | |||
| Current Ratio | — | 1.30x | — |
| Quick Ratio | — | 1.30x | — |
| Cash Ratio | — | 0.59x | — |
| Total Current Assets | — | 18,339 | — |
| Total Current Liabilities | — | 14,106 | — |
| Inventory | — | N/A | — |
| Trade Receivables | — | 9,890 | — |
| Trade Payables | — | 13,826 | — |
| Net Working Capital | — | 4,233 | — |
| Net Working Capital % of Revenue | — | 43.8% | — |
| Trade Working Capital | — | -3,936 | — |
| Trade Working Capital % of Revenue | — | -40.7% | — |
| Change in Trade Working Capital | — | N/A | — |
| Turnover & efficiency | |||
| Inventory Turnover | — | N/A | — |
| Days Inventory Outstanding (DIO) | — | N/A | — |
| Receivables Turnover | — | 0.98x | — |
| Days Sales Outstanding (DSO) | — | 373.1 | — |
| Payables Turnover | — | 0.01x | — |
| Days Payable Outstanding (DPO) | — | 26012.8 | — |
| Cash Conversion Cycle | — | -25639.7 days | — |
| Asset Turnover | — | 0.44x | — |
| Cash flow & dividends | |||
| Operating Cash Flow | — | 2,655 | — |
| Free Cash Flow (OCF − Capex proxy) | — | 1,351 | — |
| Cash Conversion (OCF / EBITDA) | — | 56.7% | — |
| Dividends Declared | — | 9,000 | — |
| Dividend Payout Ratio | — | 240.5% | — |
1 financial-sector filer in this set (MFO Intelexpress) 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.
Peers use different ratio blocks (bank / insurer / generic) — a ratio only one template defines is blank for the others.