Compare — Georgia Financials

panel 2026-09-21Ask

FY 2024 · GEL thousands · companies ordered by revenueXLSX

Line item	MFO Lendaf	Probus Capital	MFO Cross Credit	MFO Moneta Express Geor…	Seskhis Gamtsemi Subiek…
Net interest income	2,062	—	2,058	1,248	1,160
Net fee and commission income	147	—	—	158	669
Net foreign currency gain / (loss)	-3	—	32	604	4
Operating income	2,206	—	2,090	2,010	1,833
Operating expenses	-2,062	—	-673	-1,319	-1,101
Operating income before cost of risk	144	—	1,416	691	732
Profit before income tax	144	—	1,396	637	665
Income tax expense	-23	—	-222	-129	-110
Profit	121	—	1,174	508	555
Net profit margin	5.5%	—	56.2%	25.3%	30.3%
Total Revenue	—	2,091	—	—	—
Total COGS	—	-910	—	—	—
Gross Profit	—	1,181	—	—	—
Gross Margin	—	56.5%	—	—	—
Total Operating Expenses	—	-713	—	—	—
EBITDA	—	468	—	—	—
EBITDA Margin	—	22.4%	—	—	—
Total D&A	—	-64	—	—	—
EBIT / Operating Income	—	403	—	—	—
Total Interest Income	—	246	—	—	—
Total Interest Expense	—	-8	—	—	—
Total Other Income	—	215	—	—	—
Profit Before Tax	—	857	—	—	—
Total Income Tax	—	0	—	—	—
Net Profit / (Loss)	—	857	—	—	—
Net Margin	—	41.0%	—	—	—
Cost of risk	—	—	-20	-54	-67

4 financial-sector filers in this set (MFO Lendaf, MFO Cross Credit, MFO Moneta Express Geor…, Seskhis Gamtsemi Subiek…) 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
Probus Capital	Non-bank Credit (MFO/Leasing)	22.4%	35th pct	34
MFO Cross Credit	Non-bank Credit (MFO/Leasing)	—	no FY data	34
MFO Moneta Express Geor…	Non-bank Credit (MFO/Leasing)	—	no FY data	34
MFO Lendaf	Non-bank Credit (MFO/Leasing)	—	no FY data	34
Seskhis Gamtsemi Subiek…	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.