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5 companies · GEL, thousands · columns ordered by revenue
| 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.
| Ratio — FY 2024 | MFO Giro Credit | Smart | MFO Piazza Capital | MFO MJC | GOLD CREDIT |
|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 10.4% | — | 17.4% | 8.8% | 13.0% |
| Cost of Funds | 13.8% | — | 5.5% | 12.4% | 15.5% |
| Cost / Income Ratio | 30.2% | — | 36.6% | 29.7% | 90.9% |
| Cost of Risk | 1.0% | — | 4.8% | -0.8% | 0.3% |
| Net Fee Income / Operating Income | 0.0% | — | 0.0% | 3.7% | 0.0% |
| Return on Avg Assets (ROAA) | 4.9% | — | 5.8% | 5.4% | 1.1% |
| Return on Avg Equity (ROAE) | 11.3% | — | 23.2% | 11.7% | 5.6% |
| Margins | |||||
| Gross Margin | — | 100.0% | — | — | — |
| EBITDA Margin | — | 73.0% | — | — | — |
| EBITDAR | — | 1,012 | — | — | — |
| EBITDAR Margin | — | 76.8% | — | — | — |
| EBIT Margin | — | 70.8% | — | — | — |
| Net Profit Margin | — | 16.2% | — | — | — |
| Operating Expense % of Sales | — | 27.0% | — | — | — |
| Returns | |||||
| Return on Assets (ROA) | — | 3.9% | — | — | — |
| Return on Equity (ROE) | — | 100.0% | — | — | — |
| ROIC [EBIT / Invested Capital] | — | 17.9% | — | — | — |
| Leverage & debt balances | |||||
| Debt-to-Assets | — | 93.1% | — | — | — |
| Debt-to-Equity | — | 23.87x | — | — | — |
| Debt-to-EBITDA | — | 5.28x | — | — | — |
| Equity-to-Assets | — | 3.9% | — | — | — |
| Net Debt | — | 4,990 | — | — | — |
| Cash & Equivalents | — | 93 | — | — | — |
| Total Debt | — | 5,084 | — | — | — |
| Liquidity & working capital | |||||
| Current Ratio | — | 0.21x | — | — | — |
| Quick Ratio | — | 0.21x | — | — | — |
| Cash Ratio | — | 0.87x | — | — | — |
| Total Current Assets | — | 22 | — | — | — |
| Total Current Liabilities | — | 107 | — | — | — |
| Inventory | — | N/A | — | — | — |
| Trade Receivables | — | 5,129 | — | — | — |
| Trade Payables | — | N/A | — | — | — |
| Net Working Capital | — | -85 | — | — | — |
| Net Working Capital % of Revenue | — | -6.4% | — | — | — |
| Trade Working Capital | — | 5,129 | — | — | — |
| Trade Working Capital % of Revenue | — | 389.1% | — | — | — |
| Change in Trade Working Capital | — | N/A | — | — | — |
| Turnover & efficiency | |||||
| Inventory Turnover | — | N/A | — | — | — |
| Days Inventory Outstanding (DIO) | — | N/A | — | — | — |
| Receivables Turnover | — | 0.26x | — | — | — |
| Days Sales Outstanding (DSO) | — | 1420.1 | — | — | — |
| Payables Turnover | — | N/A | — | — | — |
| Days Payable Outstanding (DPO) | — | N/A | — | — | — |
| Cash Conversion Cycle | — | 1420.1 days | — | — | — |
| Asset Turnover | — | 0.24x | — | — | — |
| Cash flow & dividends | |||||
| Operating Cash Flow | — | 1,318 | — | — | — |
| Free Cash Flow (OCF − Capex proxy) | — | 1,318 | — | — | — |
| Cash Conversion (OCF / EBITDA) | — | 136.9% | — | — | — |
| Dividends Declared | — | N/A | — | — | — |
| Dividend Payout Ratio | — | N/A | — | — | — |
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.
Peers use different ratio blocks (bank / insurer / generic) — a ratio only one template defines is blank for the others.