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5 companies · GEL, thousands · columns ordered by revenue
| 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.
| Ratio — FY 2024 | Svipt Credit | Laki Credit | Emas Credit | Dam LTD DAM | Tsotne |
|---|---|---|---|---|---|
| Net Interest Margin (NIM) | 29.7% | — | — | — | — |
| Cost of Funds | 11.0% | — | — | — | — |
| Cost / Income Ratio | 13.3% | — | — | — | — |
| Cost of Risk | 0.0% | — | — | — | — |
| Net Fee Income / Operating Income | 47.9% | — | — | — | — |
| Return on Avg Assets (ROAA) | 37.5% | — | — | — | — |
| Return on Avg Equity (ROAE) | 46.9% | — | — | — | — |
| Margins | |||||
| Gross Margin | — | 100.0% | 100.0% | 54.3% | 11.8% |
| EBITDA Margin | — | 68.6% | 31.9% | 13.3% | 5.4% |
| EBITDAR | — | 3,183 | 1,294 | ||
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.
Peers use different ratio blocks (bank / insurer / generic) — a ratio only one template defines is blank for the others.
| 530 |
| 202 |
| EBITDAR Margin | — | 74.9% | 31.9% | 13.5% | 5.4% |
| EBIT Margin | — | 68.5% | 5.6% | 13.3% | 5.3% |
| Net Profit Margin | — | 54.6% | 1.3% | 12.4% | 4.7% |
| Operating Expense % of Sales | — | 31.4% | 68.1% | 40.9% | 6.4% |
| Returns | |||||
| Return on Assets (ROA) | — | 29.5% | 0.7% | 10.9% | 8.4% |
| Return on Equity (ROE) | — | 30.8% | 3.0% | 11.6% | 10.6% |
| ROIC [EBIT / Invested Capital] | — | 48.6% | 3.3% | 11.9% | 18.9% |
| Leverage & debt balances | |||||
| Debt-to-Assets | — | 0.0% | 71.3% | 6.0% | 4.9% |
| Debt-to-Equity | — | 0.00x | 3.17x | 0.06x | 0.06x |
| Debt-to-EBITDA | — | 0.00x | 4.20x | 0.51x | 0.50x |
| Equity-to-Assets | — | 95.6% | 22.5% | 94.0% | 78.6% |
| Net Debt | — | -1,531 | 5,148 | 205 | -596 |
| Cash & Equivalents | — | 1,531 | 283 | 62 | 698 |
| Total Debt | — | N/A | 5,431 | 267 | 102 |
| Liquidity & working capital | |||||
| Current Ratio | — | 0.09x | 0.05x | 423.06x | 2.23x |
| Quick Ratio | — | 0.09x | 0.05x | 423.06x | 2.23x |
| Cash Ratio | — | 4.38x | 0.05x | 21.14x | 1.58x |
| Total Current Assets | — | 31 | 283 | 1,248 | 988 |
| Total Current Liabilities | — | 350 | 5,888 | 3 | 443 |
| Inventory | — | N/A | N/A | N/A | N/A |
| Trade Receivables | — | 802 | 6,839 | 1,186 | 227 |
| Trade Payables | — | N/A | N/A | 3 | 300 |
| Net Working Capital | — | -319 | -5,605 | 1,245 | 545 |
| Net Working Capital % of Revenue | — | -7.5% | -138.2% | 31.7% | 14.7% |
| Trade Working Capital | — | 802 | 6,839 | 1,183 | -72 |
| Trade Working Capital % of Revenue | — | 18.9% | 168.6% | 30.1% | -1.9% |
| Change in Trade Working Capital | — | N/A | N/A | N/A | N/A |
| Turnover & efficiency | |||||
| Inventory Turnover | — | N/A | N/A | N/A | N/A |
| Days Inventory Outstanding (DIO) | — | N/A | N/A | N/A | N/A |
| Receivables Turnover | — | 5.30x | 0.59x | 3.31x | 16.37x |
| Days Sales Outstanding (DSO) | — | 68.9 | 615.4 | 110.2 | 22.3 |
| Payables Turnover | — | N/A | N/A | 608.68x | 10.94x |
| Days Payable Outstanding (DPO) | — | N/A | N/A | 0.6 | 33.4 |
| Cash Conversion Cycle | — | 68.9 days | 615.4 days | 109.6 days | -11.0 days |
| Asset Turnover | — | 0.54x | 0.53x | 0.88x | 1.79x |
| Cash flow & dividends | |||||
| Operating Cash Flow | — | N/A | 4,056 | 5,105 | 374 |
| Free Cash Flow (OCF − Capex proxy) | — | N/A | -17,696 | 5,105 | 233 |
| Cash Conversion (OCF / EBITDA) | — | N/A | 313.4% | 974.2% | 185.1% |
| Dividends Declared | — | N/A | N/A | N/A | N/A |
| Dividend Payout Ratio | — | N/A | N/A | N/A | N/A |