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5 companies · GEL, thousands · columns ordered by revenue
| Company | Sector | EBITDA margin · FY 2023 | Percentile | Sector n |
|---|---|---|---|---|
| Laki Credit | Non-bank Credit (MFO/Leasing) | 74.3% | 92nd pct | 36 |
| Solo Credit | Non-bank Credit (MFO/Leasing) | 51.0% | 67th pct | 36 |
| GOA Credit | Non-bank Credit (MFO/Leasing) | — | no FY data | 36 |
| Svipt Credit | 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.
| Ratio — FY 2023 | ELT Company | GOA Credit | Svipt Credit | Laki Credit | Solo Credit |
|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 7.3% | 15.2% | 31.3% | — | — |
| Cost of Funds | 13.2% | 16.3% | 10.6% | — | — |
| Cost / Income Ratio | 63.9% | 65.7% | 10.8% | — | — |
| Cost of Risk | 0.0% | 0.0% | 0.0% | — | — |
| Net Fee Income / Operating Income | 0.0% | 0.0% | 49.7% | — | — |
| Return on Avg Assets (ROAA) | 2.0% | 3.7% | 41.6% | — | — |
| Return on Avg Equity (ROAE) | 28.1% | 15.1% | 49.5% | — | — |
| Margins | |||||
| Gross Margin | — | — | — | 100.0% | 100.0% |
| EBITDA Margin | — | — | — | 74.3% | 51.0% |
| EBITDAR | — | — | — | 2,700 | 1,707 |
| EBITDAR Margin | — | — | — | 81.1% | 62.4% |
| EBIT Margin | — | — | — | 74.1% | 49.8% |
| Net Profit Margin | — | — | — | 53.9% | 31.6% |
| Operating Expense % of Sales | — | — | — | 25.7% | 49.0% |
| Returns | |||||
| Return on Assets (ROA) | — | — | — | 32.1% | 9.8% |
| Return on Equity (ROE) | — | — | — | 34.7% | 16.7% |
| ROIC [EBIT / Invested Capital] | — | — | — | 53.8% | 16.9% |
| Leverage & debt balances | |||||
| Debt-to-Assets | — | — | — | 0.0% | 37.7% |
| Debt-to-Equity | — | — | — | 0.00x | 0.64x |
| Debt-to-EBITDA | — | — | — | 0.00x | 2.38x |
| Equity-to-Assets | — | — | — | 92.5% | 58.6% |
| Net Debt | — | — | — | -588 | 2,869 |
| Cash & Equivalents | — | — | — | 588 | 463 |
| Total Debt | — | — | — | N/A | 3,332 |
| Liquidity & working capital | |||||
| Current Ratio | — | — | — | 0.05x | 3.87x |
| Quick Ratio | — | — | — | 0.05x | 3.87x |
| Cash Ratio | — | — | — | 1.41x | 1.39x |
| Total Current Assets | — | — | — | 20 | 1,289 |
| Total Current Liabilities | — | — | — | 417 | 333 |
| Inventory | — | — | — | N/A | N/A |
| Trade Receivables | — | — | — | 541 | 8,065 |
| Trade Payables | — | — | — | N/A | 31 |
| Net Working Capital | — | — | — | -398 | 956 |
| Net Working Capital % of Revenue | — | — | — | -12.0% | 34.9% |
| Trade Working Capital | — | — | — | 541 | 8,034 |
| Trade Working Capital % of Revenue | — | — | — | 16.3% | 293.6% |
| Change in Trade Working Capital | — | — | — | N/A | N/A |
| Turnover & efficiency | |||||
| Inventory Turnover | — | — | — | N/A | N/A |
| Days Inventory Outstanding (DIO) | — | — | — | N/A | N/A |
| Receivables Turnover | — | — | — | 6.15x | 0.34x |
| Days Sales Outstanding (DSO) | — | — | — | 59.3 | 1075.6 |
| Payables Turnover | — | — | — | N/A | N/A |
| Days Payable Outstanding (DPO) | — | — | — | N/A | N/A |
| Cash Conversion Cycle | — | — | — | 59.3 days | 1075.6 days |
| Asset Turnover | — | — | — | 0.60x | 0.31x |
| Cash flow & dividends | |||||
| Operating Cash Flow | — | — | — | N/A | -2,512 |
| Free Cash Flow (OCF − Capex proxy) | — | — | — | N/A | -2,606 |
| Cash Conversion (OCF / EBITDA) | — | — | — | N/A | -179.8% |
| Dividends Declared | — | — | — | N/A | N/A |
| Dividend Payout Ratio | — | — | — | N/A | N/A |
3 financial-sector filers in this set (ELT Company, GOA Credit, Svipt 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.
Peers use different ratio blocks (bank / insurer / generic) — a ratio only one template defines is blank for the others.