Compare — Georgia Financials

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FY 2018 · GEL thousands · companies ordered by revenueXLSX

Line item	Mikrosapinanso Organiza…	MFO Georgian Financial …	MFO Smart Invest	MFO Bani Crediti	Pinansuri Sektori
Net interest income	27,892	-15	5	48	—
Net foreign currency gain / (loss)	-1,752	—	—	-3	—
Operating income	26,140	80	74	45	—
Operating expenses	-18,238	-74	-61	-254	—
Operating income before cost of risk	7,902	6	13	-209	—
Profit before income tax	-16,218	-252	39	-561	—
Income tax expense	-2,759	1	-14	-38	—
Profit	-18,977	-251	25	-599	—
Net profit margin	-72.6%	-313.8%	33.8%	-1332.7%	—
Net fee and commission income	—	95	69	—	—
Total Revenue	—	—	—	—	37
Total COGS	—	—	—	—	0
Gross Profit	—	—	—	—	37
Gross Margin	—	—	—	—	100.0%
Total Operating Expenses	—	—	—	—	798
EBITDA	—	—	—	—	835
EBITDA Margin	—	—	—	—	2256.8%
Total D&A	—	—	—	—	0
EBIT / Operating Income	—	—	—	—	835
Profit Before Tax	—	—	—	—	835
Total Income Tax	—	—	—	—	0
Net Profit / (Loss)	—	—	—	—	1,498
Net Margin	—	—	—	—	4048.6%

4 financial-sector filers in this set (Mikrosapinanso Organiza…, MFO Georgian Financial …, MFO Smart Invest, MFO Bani Crediti) 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 2018	Percentile	Sector n
Pinansuri Sektori	Non-bank Credit (MFO/Leasing)	2256.8%	100th pct	25
MFO Bani Crediti	Non-bank Credit (MFO/Leasing)	—	no FY data	25
Mikrosapinanso Organiza…	Non-bank Credit (MFO/Leasing)	—	no FY data	25
MFO Smart Invest	Non-bank Credit (MFO/Leasing)	—	no FY data	25
MFO Georgian Financial …	Non-bank Credit (MFO/Leasing)	—	no FY data	25

Percentile is within each company's own sector across the whole FY2018 cross-section (1st–100th; higher = larger value). Companies with no sector, or no filing for the year, are not ranked.