Compare — Georgia Financials

panel 2026-09-21Ask

Peer percentile within sector

Rank on

Company	Sector	EBITDA margin · FY 2024	Percentile	Sector n
Sakhalkho Credit	Non-bank Credit (MFO/Leasing)	—	no FY data	34
Bagira	Non-bank Credit (MFO/Leasing)	—	no FY data	34
Royal Credit	Non-bank Credit (MFO/Leasing)	—	no FY data	34
iCapital	Non-bank Credit (MFO/Leasing)	—	no FY data	34
MFO Alpha Express	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.

FY 2024 · GEL thousands · companies ordered by revenueXLSX

Line item	Sakhalkho Credit	Royal Credit	Bagira	iCapital	MFO Alpha Express
Net interest income	454	464	—	—	558
Net foreign currency gain / (loss)	40	—	—	—	158
Operating income	494	464	—	—	-11
Operating expenses	-156	-405	—	—	-623
Operating income before cost of risk	339	59	—	—	-634
Profit before income tax	339	67	—	—	-408
Income tax expense	-43	-14	—	—	-3
Profit	296	54	—	—	39
Net profit margin	59.8%	11.5%	—	—	-367.6%
Cost of risk	—	8	—	—	226
Total Revenue	—	—	0	—	—
Total COGS	—	—	0	—	—
Gross Profit	—	—	0	—	—
Gross Margin	—	—	0.0%	—	—
Total Operating Expenses	—	—	104	—	—
EBITDA	—	—	104	—	—
EBITDA Margin	—	—	0.0%	—	—
Total D&A	—	—	-34	—	—
EBIT / Operating Income	—	—	70	—	—
Total Interest Income	—	—	1,523	—	—
Total Interest Expense	—	—	-759	—	—
Total Other Income	—	—	18	—	—
Profit Before Tax	—	—	852	—	—
Total Income Tax	—	—	-18	—	—
Net Profit / (Loss)	—	—	100	—	—
Net Margin	—	—	0.0%	—	—
Net other income	—	—	—	—	-727

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

4 financial-sector filers in this set (Sakhalkho Credit, Royal Credit, iCapital, MFO Alpha Express) 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.