Compare — Georgia Financials

panel 2026-09-21Ask

FY 2023 · GEL thousands · companies ordered by revenueXLSX

Line item	Rico Express	Swiss Holdings	Swiss Capital MFI	Finbureau	Orbi Sapinanso Da Sainv…
Net interest income	76,562	39,185	40,470	27,347	—
Net fee and commission income	6,877	4,976	4,976	—	—
Net foreign currency gain / (loss)	19,273	1,047	837	26	—
Net other income	-7,995	1,420	-437	—	—
Operating income	94,717	46,628	45,846	27,374	—
Operating expenses	-33,690	-20,389	-20,362	-17,626	—
Operating income before cost of risk	61,027	26,239	25,484	9,748	—
Cost of risk	2,411	-4,393	-4,393	—	—
Profit before income tax	63,438	19,884	21,091	9,748	—
Income tax expense	-13,668	-4,374	-4,374	-1,568	—
Profit	49,770	15,510	16,717	8,180	—
Net profit margin	52.5%	33.3%	36.5%	29.9%	—
Total Revenue	—	—	—	—	0
Total COGS	—	—	—	—	0
Gross Profit	—	—	—	—	0
Gross Margin	—	—	—	—	0.0%
Total Operating Expenses	—	—	—	—	-0
EBITDA	—	—	—	—	-0
EBITDA Margin	—	—	—	—	0.0%
Total D&A	—	—	—	—	0
EBIT / Operating Income	—	—	—	—	-0
Total Interest Income	—	—	—	—	15,757
Total Interest Expense	—	—	—	—	-3,627
Total Other Income	—	—	—	—	168
Profit Before Tax	—	—	—	—	12,298
Total Income Tax	—	—	—	—	0
Net Profit / (Loss)	—	—	—	—	12,298
Net Margin	—	—	—	—	0.0%

4 financial-sector filers in this set (Rico Express, Swiss Holdings, Swiss Capital MFI, Finbureau) 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 2023	Percentile	Sector n
Orbi Sapinanso Da Sainv…	Non-bank Credit (MFO/Leasing)	—	no FY data	36
Rico Express	Non-bank Credit (MFO/Leasing)	—	no FY data	36
Swiss Holdings	Non-bank Credit (MFO/Leasing)	—	no FY data	36
Swiss Capital MFI	Non-bank Credit (MFO/Leasing)	—	no FY data	36
Finbureau	Non-bank Credit (MFO/Leasing)	—	no FY data	36

Percentile is within each company's own sector across the whole FY2023 cross-section (1st–100th; higher = larger value). Companies with no sector, or no filing for the year, are not ranked.