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5 companies · GEL, thousands · columns ordered by revenue
| Company | Sector | EBITDA margin · FY 2024 | Percentile | Sector n |
|---|---|---|---|---|
| V.G.H. Georgia Investme… | Non-bank Credit (MFO/Leasing) | 46.5% | 56th pct | 34 |
| MFO Invest Georgia | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| Microfinance Organizati… | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| Microfinance Organizati… | Non-bank Credit (MFO/Leasing) | — | no FY data | 34 |
| MFO Continental City Cr… | 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 5 peers filed FY2024. Switch to FY2021 (4 of 5).
| Ratio — FY 2024 | MFO Invest Georgia | V.G.H. Georgia Investme… | Microfinance Organizati… | Microfinance Organizati… | MFO Continental City Cr… |
|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 16.7% | — | — | — | — |
| Cost of Funds | 10.9% | — | — | — | — |
| Cost / Income Ratio | 163.6% | — | — | — | — |
| Cost of Risk | 2.0% | — | — | — | — |
| Net Fee Income / Operating Income | 0.0% | — | — | — | — |
| Return on Avg Assets (ROAA) | -7.7% | — | — | — | — |
| Return on Avg Equity (ROAE) | -9.7% | — | — | — | — |
| Margins | |||||
| Gross Margin | — | 100.0% | — | — | — |
| EBITDA Margin | — | 46.5% | — | — | — |
| EBITDAR | — | 55 | — | — | — |
| EBITDAR Margin | — | 46.5% | — | — | — |
| EBIT Margin | — | 46.5% | — | — | — |
| Net Profit Margin | — | 2500.8% | — | — | — |
| Operating Expense % of Sales | — | 53.5% | — | — | — |
| Returns | |||||
| Return on Assets (ROA) | — | 7.5% | — | — | — |
| Return on Equity (ROE) | — | 20.2% | — | — | — |
| ROIC [EBIT / Invested Capital] | — | 0.1% | — | — | — |
| Leverage & debt balances | |||||
| Debt-to-Assets | — | 62.4% | — | — | — |
| Debt-to-Equity | — | 1.68x | — | — | — |
| Debt-to-EBITDA | — | 448.10x | — | — | — |
| Equity-to-Assets | — | 37.2% | — | — | — |
| Net Debt | — | 24,542 | — | — | — |
| Cash & Equivalents | — | 6 | — | — | — |
| Total Debt | — | 24,548 | — | — | — |
| Liquidity & working capital | |||||
| Current Ratio | — | 1.40x | — | — | — |
| Quick Ratio | — | 1.40x | — | — | — |
| Cash Ratio | — | 0.03x | — | — | — |
| Total Current Assets | — | 254 | — | — | — |
| Total Current Liabilities | — | 181 | — | — | — |
| Inventory | — | N/A | — | — | — |
| Trade Receivables | — | N/A | — | — | — |
| Trade Payables | — | N/A | — | — | — |
| Net Working Capital | — | 72 | — | — | — |
| Net Working Capital % of Revenue | — | 61.4% | — | — | — |
| Trade Working Capital | — | N/A | — | — | — |
| Trade Working Capital % of Revenue | — | N/A | — | — | — |
| Change in Trade Working Capital | — | N/A | — | — | — |
| Turnover & efficiency | |||||
| Inventory Turnover | — | N/A | — | — | — |
| Days Inventory Outstanding (DIO) | — | N/A | — | — | — |
| Receivables Turnover | — | N/A | — | — | — |
| Days Sales Outstanding (DSO) | — | N/A | — | — | — |
| Payables Turnover | — | N/A | — | — | — |
| Days Payable Outstanding (DPO) | — | N/A | — | — | — |
| Cash Conversion Cycle | — | N/A | — | — | — |
| Asset Turnover | — | 0.00x | — | — | — |
| Cash flow & dividends | |||||
| Operating Cash Flow | — | -1,649 | — | — | — |
| Free Cash Flow (OCF − Capex proxy) | — | -1,649 | — | — | — |
| Cash Conversion (OCF / EBITDA) | — | -3009.3% | — | — | — |
| Dividends Declared | — | N/A | — | — | — |
| Dividend Payout Ratio | — | N/A | — | — | — |
4 financial-sector filers in this set (MFO Invest Georgia, Microfinance Organizati…, Microfinance Organizati…, MFO Continental City Cr…) 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.