PT Mandala Multifinance Tbk (IDX: MFIN)

MFIN Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest and Dividend Income	104,371	63,831	21,522	9,635	1,521,624	1,725,217
Total Interest Expense	277,451	310,369	268,471	186,185	206,504	185,618
Net Interest Income	-173,080	-246,538	-246,949	-176,550	1,315,120	1,539,599
Other Revenue	2,106,768	2,106,767	2,124,612	1,736,156	19,921	9,277
Revenue Before Loan Losses	1,933,688	1,860,229	1,877,663	1,559,606	1,335,041	1,548,876
Provision for Loan Losses	406,058	386,470	236,900	273,036	330,995	161,139
Revenue	1,527,630	1,473,759	1,640,763	1,286,570	1,004,046	1,387,737
Revenue Growth (YoY)	-4.36%	-10.18%	27.53%	28.14%	-27.65%	12.66%
Salaries & Employee Benefits	603,189	566,853	517,076	413,035	507,897	576,641
Cost of Services Provided	362,267	314,462	265,463	218,447	198,567	241,280
Other Operating Expenses	61,394	65,013	16,830	42,765	66,620	59,247
Total Operating Expenses	1,026,850	946,328	799,369	674,247	773,084	877,168
Operating Income	500,780	527,431	841,394	612,323	230,962	510,569
Currency Exchange Gain (Loss)	-9,629	-2,682	-3,934	-	1	-
EBT Excluding Unusual Items	491,151	524,749	837,460	612,323	230,963	510,569
Pretax Income	493,134	527,278	839,177	614,038	233,486	513,860
Income Tax Expense	98,410	104,368	180,663	128,787	59,089	136,776
Net Income	394,724	422,910	658,514	485,251	174,397	377,084
Net Income to Common	394,724	422,910	658,514	485,251	174,397	377,084
Net Income Growth	-32.55%	-35.78%	35.71%	178.25%	-53.75%	13.12%
Shares Outstanding (Basic)	2,650	2,650	2,650	2,650	2,650	2,650
Shares Outstanding (Diluted)	2,650	2,650	2,650	2,650	2,650	2,650
EPS (Basic)	148.95	159.59	248.50	183.11	65.81	142.30
EPS (Diluted)	148.95	159.59	248.50	183.00	65.81	142.30
EPS Growth	-32.55%	-35.78%	35.79%	178.07%	-53.75%	13.12%
Free Cash Flow	46,684	254,089	398,920	-453,874	1,047,584	-672,061
Free Cash Flow Per Share	17.62	95.88	150.54	-171.27	395.31	-253.61
Dividend Per Share	-	-	100.000	73.000	19.000	30.000
Dividend Growth	-	-	36.99%	284.21%	-36.67%	-40.00%
Operating Margin	32.78%	35.79%	51.28%	47.59%	23.00%	36.79%
Profit Margin	25.84%	28.70%	40.13%	37.72%	17.37%	27.17%
Free Cash Flow Margin	3.06%	17.24%	24.31%	-35.28%	104.34%	-48.43%
Effective Tax Rate	19.96%	19.79%	21.53%	20.97%	25.31%	26.62%
Revenue as Reported	2,251,799	2,212,859	2,217,170	1,780,314	1,561,215	1,745,719

Source: S&P Capital IQ. Financial Services template. Financial Sources.