PT Mandala Multifinance Tbk (IDX:MFIN)

IDX:MFIN Income Statement

Financials in millions IDR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	2,408,251	2,297,722	2,170,598	2,146,134	9,635	1,521,624
Total Interest Expense	199,736	225,687	310,369	268,471	186,185	206,504
Net Interest Income	2,208,515	2,072,035	1,860,229	1,877,663	-176,550	1,315,120
Other Revenue	13,856	13,857	17,848	-	1,736,156	19,921
Revenue Before Loan Losses	2,222,371	2,085,892	1,878,077	1,877,663	1,559,606	1,335,041
Provision for Loan Losses	513,091	399,710	386,470	236,900	273,036	330,995
Revenue	1,709,280	1,686,182	1,491,607	1,640,763	1,286,570	1,004,046
Revenue Growth (YoY)	10.60%	13.05%	-9.09%	27.53%	28.14%	-27.65%
Salaries & Employee Benefits	591,143	580,957	566,853	517,076	413,035	507,897
Cost of Services Provided	392,847	378,028	314,462	265,463	218,447	198,567
Other Operating Expenses	63,208	84,142	82,861	16,830	42,765	66,620
Total Operating Expenses	1,047,198	1,043,127	964,176	799,369	674,247	773,084
Operating Income	662,082	643,055	527,431	841,394	612,323	230,962
Currency Exchange Gain (Loss)	3,108	3,784	-2,682	-3,934	-	1
EBT Excluding Unusual Items	665,190	646,839	524,749	837,460	612,323	230,963
Pretax Income	686,312	668,061	527,278	839,177	614,038	233,486
Income Tax Expense	160,569	152,397	104,368	180,663	128,787	59,089
Net Income	525,743	515,664	422,910	658,514	485,251	174,397
Net Income to Common	525,743	515,664	422,910	658,514	485,251	174,397
Net Income Growth	33.19%	21.93%	-35.78%	35.71%	178.25%	-53.75%
Shares Outstanding (Basic)	5,018	5,004	5,000	5,000	5,000	5,000
Shares Outstanding (Diluted)	5,018	5,004	5,000	5,000	5,000	5,000
Shares Change (YoY)	0.36%	0.07%	-	-	-	-
EPS (Basic)	104.77	103.05	84.58	131.70	97.05	34.88
EPS (Diluted)	104.54	102.81	84.27	131.70	96.98	34.88
EPS Growth	32.95%	22.01%	-36.02%	35.79%	178.07%	-53.75%
Free Cash Flow	-236,532	-310,113	254,089	398,920	-453,874	1,047,584
Free Cash Flow Per Share	-47.14	-61.97	50.81	79.78	-90.77	209.51
Dividend Per Share	62.104	62.104	-	52.997	38.688	10.069
Dividend Growth	-	-	-	36.99%	284.21%	-36.67%
Operating Margin	38.73%	38.14%	35.36%	51.28%	47.59%	23.00%
Profit Margin	30.76%	30.58%	28.35%	40.13%	37.72%	17.37%
Free Cash Flow Margin	-13.84%	-18.39%	17.04%	24.31%	-35.28%	104.34%
Effective Tax Rate	23.40%	22.81%	19.79%	21.53%	20.97%	25.31%
Revenue as Reported	2,510,414	2,370,344	2,212,859	2,217,170	1,780,314	1,561,215

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.