Compare — Georgia Financials

panel 2026-09-21Ask

FY 2024 · GEL thousands · companies ordered by revenueXLSX

Line item	Svipt Credit	Laki Credit	Emas Credit	Dam LTD DAM	Tsotne
Net interest income	2,388	—	—	—	—
Net fee and commission income	2,199	—	—	—	—
Operating income	4,588	—	—	—	—
Operating expenses	-610	—	—	—	—
Operating income before cost of risk	3,978	—	—	—	—
Profit before income tax	3,978	—	—	—	—
Income tax expense	-803	—	—	—	—
Profit	3,175	—	—	—	—
Net profit margin	69.2%	—	—	—	—
Total Revenue	—	4,250	4,056	3,926	3,717
Total COGS	—	0	0	-1,796	-3,278
Gross Profit	—	4,250	4,056	2,130	439
Gross Margin	—	100.0%	100.0%	54.3%	11.8%
Total Operating Expenses	—	-1,334	-2,762	-1,606	-236
EBITDA	—	2,916	1,294	524	202
EBITDA Margin	—	68.6%	31.9%	13.3%	5.4%
Total D&A	—	-6	-1,068	0	-7
EBIT / Operating Income	—	2,910	226	524	196
Profit Before Tax	—	2,910	52	488	174
Total Income Tax	—	-628	0	0	0
Net Profit / (Loss)	—	2,319	52	488	173
Net Margin	—	54.6%	1.3%	12.4%	4.7%
Total Interest Expense	—	—	-396	-36	—
Total Other Income	—	—	222	—	-21

1 financial-sector filer in this set (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.

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
Laki Credit	Non-bank Credit (MFO/Leasing)	68.6%	91st pct	34
Emas Credit	Non-bank Credit (MFO/Leasing)	31.9%	47th pct	34
Dam LTD DAM	Non-bank Credit (MFO/Leasing)	13.3%	18th pct	34
Tsotne	Non-bank Credit (MFO/Leasing)	5.4%	9th pct	34
Svipt 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.