Compare — Georgia Financials

panel 2026-09-21Ask

FY 2024 · GEL thousands · companies ordered by revenueXLSX

Line item	MFO Giro Credit	Smart	MFO Piazza Capital	MFO MJC	GOLD CREDIT
Net interest income	1,312	—	1,427	947	1,013
Net foreign currency gain / (loss)	357	—	-168	148	-14
Operating income	1,669	—	1,259	1,140	999
Operating expenses	-465	—	-317	-363	-889
Operating income before cost of risk	1,204	—	942	777	110
Cost of risk	-129	—	-392	83	-21
Profit before income tax	1,075	—	550	860	89
Income tax expense	-232	—	-92	-145	—
Profit	843	—	458	715	89
Net profit margin	50.5%	—	36.4%	62.7%	8.9%
Total Revenue	—	1,318	—	—	—
Total COGS	—	0	—	—	—
Gross Profit	—	1,318	—	—	—
Gross Margin	—	100.0%	—	—	—
Total Operating Expenses	—	-356	—	—	—
EBITDA	—	963	—	—	—
EBITDA Margin	—	73.0%	—	—	—
Total D&A	—	-30	—	—	—
EBIT / Operating Income	—	933	—	—	—
Total Interest Expense	—	-667	—	—	—
Profit Before Tax	—	266	—	—	—
Total Income Tax	—	-53	—	—	—
Net Profit / (Loss)	—	213	—	—	—
Net Margin	—	16.2%	—	—	—
Net fee and commission income	—	—	—	46	—

4 financial-sector filers in this set (MFO Giro Credit, MFO Piazza Capital, MFO MJC, GOLD 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 2024	Percentile	Sector n
Smart	Non-bank Credit (MFO/Leasing)	73.0%	94th pct	34
MFO Piazza Capital	Non-bank Credit (MFO/Leasing)	—	no FY data	34
MFO MJC	Non-bank Credit (MFO/Leasing)	—	no FY data	34
MFO Giro Credit	Non-bank Credit (MFO/Leasing)	—	no FY data	34
GOLD CREDIT	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.