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5 companies · GEL, thousands · columns ordered by revenue
| 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.
| Ratio — FY 2024 | Sakhalkho Credit | Royal Credit | Bagira | iCapital | MFO Alpha Express |
|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 36.4% | 10.8% | — | — | 27.0% |
| Cost of Funds | 13.9% | 13.4% | — | — | — |
| Cost / Income Ratio | 31.5% | 85.8% | — | — | 289.1% |
| Cost of Risk | 0.0% | -0.2% | — | — | -10.9% |
| Net Fee Income / Operating Income | 0.0% | 0.0% | — | — | 0.0% |
| Return on Avg Assets (ROAA) | 17.2% | 1.2% | — | — | 1.1% |
| Return on Avg Equity (ROAE) | 18.4% | 10.3% | — | — | 1.2% |
| Margins | |||||
| Gross Margin | — | — | N/A | — | — |
| EBITDA Margin | — | — | N/A | — | — |
| EBITDAR | — | — | 142 | — | — |
| EBITDAR Margin | — | — | N/A | — | — |
| EBIT Margin | — | — | N/A | — | — |
| Net Profit Margin | — | — | N/A | — | — |
| Operating Expense % of Sales | — | — | N/A | — | — |
| Returns | |||||
| Return on Assets (ROA) | — | — | 1.4% | — | — |
| Return on Equity (ROE) | — | — | 5.4% | — | — |
| ROIC [EBIT / Invested Capital] | — | — | 1.0% | — | — |
| Leverage & debt balances | |||||
| Debt-to-Assets | — | — | 74.4% | — | — |
| Debt-to-Equity | — | — | 2.96x | — | — |
| Debt-to-EBITDA | — | — | 52.35x | — | — |
| Equity-to-Assets | — | — | 25.2% | — | — |
| Net Debt | — | — | 5,359 | — | — |
| Cash & Equivalents | — | — | 89 | — | — |
| Total Debt | — | — | 5,448 | — | — |
| Liquidity & working capital | |||||
| Current Ratio | — | — | 11.70x | — | — |
| Quick Ratio | — | — | 11.70x | — | — |
| Cash Ratio | — | — | 17.46x | — | — |
| Total Current Assets | — | — | 60 | — | — |
| Total Current Liabilities | — | — | 5 | — | — |
| Inventory | — | — | N/A | — | — |
| Trade Receivables | — | — | 210 | — | — |
| Trade Payables | — | — | 3 | — | — |
| Net Working Capital | — | — | 55 | — | — |
| Net Working Capital % of Revenue | — | — | N/A | — | — |
| Trade Working Capital | — | — | 207 | — | — |
| Trade Working Capital % of Revenue | — | — | N/A | — | — |
| Change in Trade Working Capital | — | — | N/A | — | — |
| Turnover & efficiency | |||||
| Inventory Turnover | — | — | N/A | — | — |
| Days Inventory Outstanding (DIO) | — | — | N/A | — | — |
| Receivables Turnover | — | — | N/A | — | — |
| Days Sales Outstanding (DSO) | — | — | N/A | — | — |
| Payables Turnover | — | — | N/A | — | — |
| Days Payable Outstanding (DPO) | — | — | N/A | — | — |
| Cash Conversion Cycle | — | — | N/A | — | — |
| Asset Turnover | — | — | 0.00x | — | — |
| Cash flow & dividends | |||||
| Operating Cash Flow | — | — | N/A | — | — |
| Free Cash Flow (OCF − Capex proxy) | — | — | N/A | — | — |
| Cash Conversion (OCF / EBITDA) | — | — | N/A | — | — |
| Dividends Declared | — | — | N/A | — | — |
| Dividend Payout Ratio | — | — | N/A | — | — |
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.
Peers use different ratio blocks (bank / insurer / generic) — a ratio only one template defines is blank for the others.