Compare — Georgia Financials

panel 2026-09-21Ask

FY 2023 · GEL thousands · companies ordered by revenueXLSX

Line item	MFO Smart Finance	Microfinance Organizati…	ELT Company	MFO Family Credit	Euro Credit+
Net interest income	6,842	6,606	4,911	2,184	—
Net fee and commission income	1,258	1,290	—	2,488	—
Net foreign currency gain / (loss)	654	-74	452	18	—
Operating income	8,755	7,823	5,363	4,691	—
Operating expenses	-3,232	-726	-3,428	-3,459	—
Operating income before cost of risk	5,522	7,097	1,935	1,231	—
Cost of risk	-40	—	—	-225	—
Profit before income tax	5,482	7,097	1,935	1,007	—
Income tax expense	-1,121	-995	-387	-186	—
Profit	4,362	6,103	1,548	821	—
Net profit margin	49.8%	78.0%	28.9%	17.5%	—
Total Revenue	—	—	—	—	0
Total COGS	—	—	—	—	0
Gross Profit	—	—	—	—	0
Gross Margin	—	—	—	—	0.0%
Total Operating Expenses	—	—	—	—	1,149
EBITDA	—	—	—	—	1,149
EBITDA Margin	—	—	—	—	0.0%
Total D&A	—	—	—	—	-13
EBIT / Operating Income	—	—	—	—	1,136
Total Interest Income	—	—	—	—	4,286
Total Interest Expense	—	—	—	—	-4,140
Total Other Income	—	—	—	—	1,693
Profit Before Tax	—	—	—	—	2,975
Total Income Tax	—	—	—	—	0
Net Profit / (Loss)	—	—	—	—	175
Net Margin	—	—	—	—	0.0%

4 financial-sector filers in this set (MFO Smart Finance, Microfinance Organizati…, ELT Company, MFO Family Credit) 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 2023	Percentile	Sector n
Euro Credit+	Non-bank Credit (MFO/Leasing)	—	no FY data	36
Microfinance Organizati…	Non-bank Credit (MFO/Leasing)	—	no FY data	36
MFO Family Credit	Non-bank Credit (MFO/Leasing)	—	no FY data	36
MFO Smart Finance	Non-bank Credit (MFO/Leasing)	—	no FY data	36
ELT Company	Non-bank Credit (MFO/Leasing)	—	no FY data	36

Percentile is within each company's own sector across the whole FY2023 cross-section (1st–100th; higher = larger value). Companies with no sector, or no filing for the year, are not ranked.