Compare — Georgia Financials

panel 2026-09-21Ask

FY 2024 · GEL thousands · companies ordered by revenueXLSX

Only 2 of 3 peers filed FY2024. Switch to FY2020 (3 of 3).

Line item	MFO Intelexpress	AcharaPay	Credit Management
Net interest income	3,856	—	—
Net fee and commission income	5,791	—	—
Net foreign currency gain / (loss)	4,369	—	—
Operating income	14,016	—	—
Operating expenses	-10,931	—	—
Profit / (loss) from associates	-68	—	—
Operating income before cost of risk	3,017	—	—
Cost of risk	-273	—	—
Profit before income tax	2,744	—	—
Income tax expense	-559	—	—
Profit	2,185	—	—
Net profit margin	15.6%	—	—
Total Revenue	—	9,675	—
Total COGS	—	-194	—
Gross Profit	—	9,481	—
Gross Margin	—	98.0%	—
Other Operating Income	—	13	—
Total Operating Expenses	—	-4,815	—
EBITDA	—	4,679	—
EBITDA Margin	—	48.4%	—
Total D&A	—	-1,469	—
EBIT / Operating Income	—	3,210	—
Total Interest Income	—	665	—
Total Interest Expense	—	-109	—
Total Other Income	—	-24	—
Profit Before Tax	—	3,742	—
Total Income Tax	—	0	—
Net Profit / (Loss)	—	3,742	—
Net Margin	—	38.7%	—

Not every picked company reports every selected year — FY2024: no filing for Credit Management. Those cells are left blank (no filing), not zero.

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.

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
AcharaPay	Non-bank Credit (MFO/Leasing)	48.4%	65th pct	34
MFO Intelexpress	Non-bank Credit (MFO/Leasing)	—	no FY data	34
Credit Management	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.