Balance Sheet Macquarie Group Limited

Equities

MQG

AU000000MQG1

Diversified Investment Services

Market Closed - Australian S.E. Other stock markets 04:18:41 15/05/26 pm AEST			5-day change	1st Jan Change
242.96 ^AUD	-0.64%		+1.56%	+19.57%

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Published financial data: MACQUARIE GROUP LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2022	2023	2024	2025	2026
Interest Income On Loans	3.99B	9.34B	15.75B	18.14B	18.8B
Interest Income On Investments	334M	804M	741M	-	-
Interest Income, Total	4.32B	10.14B	16.49B	18.14B	18.8B
Interest On Deposits	1.46B	7.11B	13.03B	14.63B	14.65B
Interest Expense, Total	1.46B	7.11B	13.03B	14.63B	14.65B
Net Interest Income	2.86B	3.03B	3.46B	3.51B	4.15B
Income From Trading Activities	4B	7.5B	5.45B	5.37B	6.01B
Gain (Loss) on Sale of Assets	2.79B	407M	303M	443M	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	258M	1.68B	1.05B	808M	2.67B
Income (Loss) on Equity Invest. (Income Block)	240M	-113M	-49M	167M	51M
Total Other Non Interest Income	7.51B	7.04B	6.57B	7.29B	7.2B
Non Interest Income, Total	14.79B	16.5B	13.32B	14.07B	15.93B
Revenues Before Provison For Loan Losses	17.65B	19.53B	16.78B	17.58B	20.08B
Provision For Loan Losses	250M	388M	-134M	266M	478M
Total Revenues	17.4B	19.14B	16.92B	17.32B	19.6B
Salaries And Other Employee Benefits	6.07B	6.94B	6.89B	6.82B	7.38B
Occupancy Expense	-	-	-	-	-
Selling General & Admin Expenses, Total	1.91B	2.36B	2.51B	2.59B	2.36B
Total Other Non Interest Expense	2.81B	2.82B	2.66B	2.74B	3.01B
Non Interest Expense, Total	10.78B	12.13B	12.06B	12.14B	12.75B
EBT, Excl. Unusual Items	6.62B	7.01B	4.85B	5.18B	6.86B
Impairment of Goodwill	-12M	-12M	-8M	-63M	-20M
Asset Writedown	-67M	-7M	-20M	-44M	-108M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	6.54B	6.99B	4.83B	5.07B	6.73B
Income Tax Expense	1.59B	1.82B	1.29B	1.33B	1.86B
Earnings From Continuing Operations	4.95B	5.17B	3.54B	3.74B	4.87B
Net Income to Company	4.95B	5.17B	3.54B	3.74B	4.87B
Minority Interest	-247M	14M	-13M	-27M	-22M
Net Income - (IS)	4.71B	5.18B	3.52B	3.72B	4.85B
Preferred Dividend and Other Adjustments	147M	167M	137M	132M	155M
Net Income to Common Incl Extra Items	4.56B	5.02B	3.38B	3.58B	4.69B
Net Income to Common Excl. Extra Items	4.56B	5.02B	3.38B	3.58B	4.69B
Per Share Items
Net EPS - Basic	12.72	13.54	9.17	9.79	12.77
Basic EPS - Continuing Operations	12.72	13.54	9.17	9.79	12.77
Basic Weighted Average Shares Outstanding	358M	370M	369M	366M	367M
Net EPS - Diluted	12.31	13.16	9.11	9.75	12.67
Diluted EPS - Continuing Operations	12.31	13.16	9.11	9.75	12.67
Diluted Weighted Average Shares Outstanding	389M	407M	381M	376M	392M
Normalized Basic EPS	10.85	11.87	8.18	8.77	11.6
Normalized Diluted EPS	10	10.81	7.94	8.52	10.89
Dividend Per Share	6.22	7.5	6.4	6.5	7
Payout Ratio	36.36	38.79	75.58	58.87	48.48
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	24.25	26.09	26.75	26.16	27.64
Total Current Taxes	1.74B	2.11B	1.32B	1.39B	1.65B
Total Deferred Taxes	-156M	-286M	-27M	-62M	208M
Normalized Net Income	3.89B	4.4B	3.02B	3.21B	4.26B
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	659M	762M	833M	842M	837M
Stock-Based Comp., Other (Total)	-	-	-	1M	-
Total Stock-Based Compensation	659M	762M	833M	843M	837M

Fiscal Period: March	2022	2023	2024	2025	2026
Assets
Cash And Equivalents	50.17B	46.03B	33.32B	21.89B	17.92B
Investment Securities, Total	14.72B	20.8B	21.26B	27.22B	35.62B
Trading Asset Securities, Total	98.47B	53B	51.99B	59.3B	86.37B
Total investments	113B	73.79B	73.25B	86.52B	122B
Gross Loans	136B	160B	178B	207B	255B
Allowance For Loan Losses	-1.03B	-1.32B	-1.22B	-1.26B	-1.36B
Other Adjustments to Gross Loans	-180M	-218M	-249M	-156M	-
Net Loans	135B	159B	176B	206B	254B
Gross Property Plant And Equipment	8.24B	10.31B	12.16B	10.19B	7.21B
Accumulated Depreciation	-3.1B	-3.67B	-4.03B	-3.26B	-3.01B
Net Property Plant And Equipment	5.14B	6.64B	8.13B	6.93B	4.2B
Goodwill	1.86B	2B	2.38B	1.08B	1.32B
Other Intangibles, Total	1.92B	1.82B	1.88B	587M	890M
Investment in Real Estate	-	-	-	653M	492M
Other Receivables	11.58B	13.9B	19.02B	19.22B	20.18B
Restricted Cash	51.2B	54.32B	58.42B	66.58B	82.97B
Other Current Assets, Total	26.85B	26.6B	27.39B	33.87B	34.44B
Deferred Tax Assets Long-Term (Collected)	1.55B	1.8B	2.08B	2.08B	1.97B
Other Long-Term Assets, Total	966M	2.4B	1.18B	150M	196M
Total Assets	399B	388B	403B	445B	540B
Liabilities
Accounts Payable, Total	-	-	-	2.19B	2.27B
Accrued Expenses, Total	5.23B	4.91B	4.35B	4.44B	5.37B
Interest Bearing Deposits	84.74B	113B	125B	150B	186B
Non-Interest Bearing Deposits	16.93B	21.43B	23.76B	27.74B	35.15B
Total Deposits	102B	135B	148B	178B	222B
Short-Term Borrowings	101B	51.53B	64.21B	67.44B	84.88B
Current Portion of Long-Term Debt	-	-	-	1.3B	119M
Long-Term Debt	123B	122B	108B	111B	128B
Long-Term Leases	586M	702M	918M	941M	804M
Current Income Taxes Payable	981M	1.09B	785M	908M	924M
Other Current Liabilities - (Bank / Utility Template)	32.97B	32.46B	33.87B	36.64B	49.76B
Unearned Revenue Non Current	259M	369M	504M	372M	376M
Deferred Tax Liability Non-Current	216M	196M	383M	272M	359M
Other Non Current Liabilities	4.11B	5.45B	7.91B	6.13B	8.84B
Total Liabilities	370B	354B	369B	409B	503B
Common Stock, Total	14.16B	14.74B	14.16B	13.83B	13.88B
Retained Earnings	14.74B	17.45B	18.22B	19.46B	21.76B
Treasury Stock	-1.86B	-2.33B	-2.78B	-2.76B	-2.68B
Comprehensive Income and Other	1.52B	3.3B	3.89B	4.83B	3.1B
Total Common Equity	28.56B	33.16B	33.48B	35.36B	36.07B
Minority Interest	245M	951M	515M	433M	788M
Total Equity	28.81B	34.11B	34B	35.79B	36.86B
Total Liabilities And Equity	399B	388B	403B	445B	540B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	369M	370M	365M	365M	366M
ECS Total Common Shares Outstanding	369M	370M	365M	365M	366M
Book Value / Share	77.51	89.67	91.72	96.96	98.47
Tangible Book Value	24.78B	29.33B	29.23B	33.68B	33.86B
Tangible Book Value Per Share	67.25	79.32	80.06	92.38	92.44
Tangible Book Value Per Share (As Reported)	64.59	75.89	76.32	80.53	86.74
Total Debt	225B	175B	173B	181B	214B
Deposits at Interest - Cash	1.9B	6.69B	10.24B	2.38B	1.89B
Net Debt	76.3B	75.56B	87.87B	99.62B	110B
Equity Method Investments, Total	4.37B	5.57B	6.97B	7.72B	6.26B
Full Time Employees	18.13K	20.51K	20.67K	19.74K	19.12K
Number Of Offices	-	-	-	-	-
Assets on Operating Lease - Gross	5.4B	6.6B	7.22B	5.27B	2.8B
Assets on Operating Lease - Accumulated Depreciation	-1.82B	-2.2B	-2.48B	-1.84B	-1.42B

Fiscal Period: March	2022	2023	2024	2025	2026
Net Income	4.71B	5.18B	3.52B	3.72B	4.85B
Depreciation, Depletion & Amortization	659M	671M	792M	894M	754M
Amortization of Goodwill and Intangible Assets - (CF)	160M	197M	180M	179M	38M
Total Depreciation, Depletion & Amortization	819M	868M	972M	1.07B	792M
Amortization of Deferred Charges, Total	-	31M	25M	41M	18M
(Gain) Loss on Sale of Investments - (CF)	-	-	-	24M	153M
Total Asset Writedown	87M	20M	28M	107M	128M
Provision for Credit Losses	422M	439M	-397M	256M	494M
(Income) Loss On Equity Investments - (CF)	-240M	113M	49M	-167M	-51M
Stock-Based Compensation (CF)	618M	751M	799M	843M	837M
Change in Trading Asset Securities	7.76B	-15.48B	-10.9B	-5.07B	-7.95B
Changes in Accrued Interest Receivable	-376M	265M	18M	-316M	-1.2B
Changes in Accrued Interest Payable	-	-	-	-	-
Change In Income Taxes	-156M	-210M	-341M	-140M	766M
Change in Other Net Operating Assets (Collected)	22.36B	-34.27B	-10.33B	-22.55B	-28.02B
Other Operating Activities	-3.01B	-2.12B	-1.01B	-653M	-2.57B
Cash from Operations	32.99B	-44.41B	-17.57B	-22.84B	-31.75B
Capital Expenditure	-977M	-824M	-1.96B	-1.06B	-586M
Sale of Property, Plant, and Equipment	85M	70M	-	59M	-
Cash Acquisitions	-2.02B	-	-	-	-
Divestitures	3.39B	-	-	-	-
Investment in Marketable and Equity Securities, Total	-465M	-476M	-1.92B	-1.33B	-1B
Cash from Investing	12M	-1.23B	-3.88B	-2.34B	-1.59B
Long-Term Debt Issued, Total	1.4B	3.08B	1.25B	2.72B	4B
Total Debt Issued	1.4B	3.08B	1.25B	2.72B	4B
Long-Term Debt Repaid, Total	-1.1B	-	-	-1B	-1.88B
Total Debt Repaid	-1.1B	-	-	-1B	-1.88B
Issuance of Common Stock	2.78B	-	-	-	-
Repurchase of Common Stock	-	-923M	-1.73B	-1.3B	-881M
Common Dividends Paid	-1.71B	-2.01B	-2.66B	-2.19B	-2.35B
Common & Preferred Stock Dividends Paid	-1.71B	-2.01B	-2.66B	-2.19B	-2.35B
Net Increase (Decrease) in Deposit Accounts - (CF)	17.46B	33.03B	13.48B	29.17B	44.28B
Other Financing Activities, Total	-222M	305M	153M	-175M	280M
Cash from Financing	18.61B	33.48B	10.49B	27.23B	43.44B
Foreign Exchange Rate Adjustments	-781M	5.05B	513M	1.08B	-2.17B
Net Change in Cash	50.83B	-7.11B	-10.45B	3.13B	7.93B
Supplemental Items
Cash Interest Paid	1.43B	6.28B	12.6B	14.68B	14.53B
Cash Income Tax Paid (Refund)	1.74B	2.04B	1.63B	1.47B	1.1B
Net Debt Issued / Repaid	304M	3.08B	1.25B	1.72B	2.11B

Fiscal Period: March	2022	2023	2024	2025	2026
Profitability
Return on Assets	1.54	1.31	0.89	0.88	0.99
Return On Equity %	19.36	16.43	10.38	10.72	13.4
Return on Common Equity	18.02	16.25	10.16	10.41	13.14
Shareholders Value Added	1.83B	1.68B	-296M	-236M	600M
Margin Analysis
SG&A Margin	45.84	48.62	55.55	54.31	49.68
Net Interest Income / Total Revenues %	16.43	15.82	20.45	20.25	21.17
EBT Excl. Non-Recurring Items Margin %	38.03	36.63	28.7	29.89	34.98
Income From Continuing Operations Margin %	28.46	27	20.9	21.61	24.84
Net Income Margin %	27.04	27.07	20.82	21.46	24.72
Net Avail. For Common Margin %	26.2	26.2	20.01	20.69	23.93
Normalized Net Income Margin	22.35	22.97	17.86	18.52	21.75
Asset quality
Nonperforming Loans / Total Loans %	1.21	1.26	1.55	1.11	0.9
Nonperforming Loans / Total Assets %	0.41	0.52	0.68	0.52	0.42
Nonperforming Assets / Total Assets %	0.41	0.52	0.68	0.52	0.42
NPAs / Loans and OREO	1.21	1.26	1.55	1.11	0.9
NPAs / Equity	5.71	5.94	8.12	6.42	6.21
Allowance for Credit Losses / Net Charge-offs %	640.37	1.91K	4.05K	506	1.28K
Allowance for Credit Losses / Nonperforming Loans %	62.71	64.99	43.99	55.02	59.26
Allowance for Credit Losses / Total Loans %	0.76	0.82	0.68	0.61	0.53
Provision for Loan Losses / Net Charge-offs %	155.28	562.32	-446.67	106.4	450.94
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.85	7.84	8.42	8.11	7.25
Total Average Equity / Total Average Assets %	7.93	7.99	8.61	8.22	7.37
Total Equity + Allowance for Loan Losses / Total Loans %	21.77	21.53	19.51	17.69	14.68
Gross Loans / Total Deposits %	133.73	118.85	119.82	116.55	115.05
Net Loans / Total Deposits %	132.53	117.71	118.84	115.75	114.44
Tier 1 Capital Ratio %	16.5	20.6	20.9	19.6	19.2
Total Capital Ratio %	-	-	-	-	27.9
Core Tier 1 Capital Ratio	14.6	18.4	18.7	17.6	17.5
Coverage Ratio	62.71	64.99	43.99	55.02	59.26
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	5.46	1.98	1.37	1.35	1.46
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	30.3	5.87	14.23	1.39	18.36
Non Interest Income, 1 Yr. Growth %	32.57	11.55	-19.27	5.64	13.2
Provision For Loan Losses, 1 Yr. Growth %	-42.4	55.2	-134.54	-298.51	79.7
Total Revenues, 1 Yr. Growth %	34.7	9.99	-11.63	2.36	13.23
Earnings From Cont. Operations, 1 Yr. Growth %	64.66	4.34	-31.6	5.86	30.12
Net Income, 1 Yr. Growth %	56.09	10.11	-32.03	5.48	30.47
Normalized Net Income, 1 Yr. Growth %	53.11	13.03	-31.28	6.18	32.93
Diluted EPS Before Extra, 1 Yr. Growth %	49.24	6.96	-30.76	7.03	29.87
Dividend Per Share, 1 Yr. Growth %	32.34	20.58	-14.67	1.56	7.69
Gross Loans, 1 Yr. Growth %	27.7	17.76	11.07	16.44	23.19
Allowance For Loan Losses, 1 Yr. Growth %	-8.84	27.64	-7.67	4.12	7.27
Net Loans, 1 Yr. Growth %	28.3	17.68	11.22	16.6	23.28
Non Performing Loans, 1 Yr. Growth %	-18.77	21.33	36.4	-16.76	-0.39
Non Performing Assets, 1 Yr. Growth %	-18.77	21.33	36.4	-16.76	-0.39
Total Assets, 1 Yr. Growth %	62.5	-2.83	4	10.37	21.31
Total Deposits, 1 Yr Growth %	20.75	32.51	10.17	19.71	24.7
Tangible Book Value, 1 Yr. Growth %	27.05	18.35	-0.34	15.25	0.51
Common Equity, 1 Yr. Growth %	29.54	16.08	0.98	5.6	2.01
Total Equity, 1 Yr. Growth %	28.88	18.4	-0.32	5.27	2.98
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	24.03	17.45	9.97	7.62	9.55
Non Interest Income, 2 Yr. CAGR %	14.55	21.6	-5.1	-7.65	9.36
Provision For Loan Losses, 2 Yr. CAGR %	-44.27	-5.45	-26.79	-17.2	88.87
Total Revenues, 2 Yr. CAGR %	18.81	21.72	-1.41	-4.89	7.66
Earnings From Cont. Operations, 2 Yr. CAGR %	34.79	31.08	-15.52	-14.91	17.36
Net Income, 2 Yr. CAGR %	31.27	31.1	-13.49	-15.33	17.31
Normalized Net Income, 2 Yr. CAGR %	34.01	31.55	-11.87	-14.58	18.8
Diluted EPS Before Extra, 2 Yr. CAGR %	26.87	26.34	-13.94	-13.91	17.9
Dividend Per Share, 2 Yr. CAGR %	20.27	26.32	1.44	-6.91	4.58
Gross Loans, 2 Yr. CAGR %	19.26	22.63	14.37	13.72	19.72
Allowance For Loan Losses, 2 Yr. CAGR %	5.63	7.87	8.56	-1.96	5.68
Net Loans, 2 Yr. CAGR %	19.65	22.88	14.41	13.88	19.89
Non Performing Loans, 2 Yr. CAGR %	-9.13	0.02	28.64	6.55	-8.94
Non Performing Assets, 2 Yr. CAGR %	-9.13	0.02	28.64	6.55	-8.94
Total Assets, 2 Yr. CAGR %	24.92	25.66	0.53	7.14	15.71
Total Deposits, 2 Yr CAGR %	22.87	26.49	20.82	14.84	22.18
Tangible Book Value, 2 Yr. CAGR %	18.01	22.62	8.6	7.17	7.63
Common Equity, 2 Yr. CAGR %	16.45	22.63	8.27	3.27	3.79
Total Equity, 2 Yr. CAGR %	14.99	23.53	8.64	2.44	4.12
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	17.57	17.66	16.37	7.03	11.09
Non Interest Income, 3 Yr. CAGR %	9.93	13.54	6.08	-1.65	-1.16
Provision For Loan Losses, 3 Yr. CAGR %	-7.9	-21.59	-32.41	2.09	7.2
Total Revenues, 3 Yr. CAGR %	11.44	15.8	9.4	-0.17	0.8
Earnings From Cont. Operations, 3 Yr. CAGR %	18.35	23.77	5.53	-8.92	-1.97
Net Income, 3 Yr. CAGR %	16.43	23.8	5.32	-7.58	-2.2
Normalized Net Income, 3 Yr. CAGR %	19.14	26.62	5.95	-6.22	-1.01
Diluted EPS Before Extra, 3 Yr. CAGR %	12.34	19.86	3.39	-7.45	-1.27
Dividend Per Share, 3 Yr. CAGR %	2.65	20.37	10.84	1.48	-2.27
Gross Loans, 3 Yr. CAGR %	19.85	18.76	18.65	15.06	16.76
Allowance For Loan Losses, 3 Yr. CAGR %	24.06	12.51	2.42	7.06	1.03
Net Loans, 3 Yr. CAGR %	20.09	18.99	18.86	15.13	16.93
Non Performing Loans, 3 Yr. CAGR %	-5.29	0.57	10.92	11.27	4.18
Non Performing Assets, 3 Yr. CAGR %	-5.29	0.57	10.92	11.27	4.18
Total Assets, 3 Yr. CAGR %	26.38	14.88	17.98	3.71	11.67
Total Deposits, 3 Yr CAGR %	21.85	26	20.8	20.45	18.04
Tangible Book Value, 3 Yr. CAGR %	16.36	18.12	14.43	10.77	4.9
Common Equity, 3 Yr. CAGR %	17.16	16.33	14.94	7.37	2.85
Total Equity, 3 Yr. CAGR %	16.19	16.12	15	7.5	2.62
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	5.53	8.8	14.47	13.54	13.59
Non Interest Income, 5 Yr. CAGR %	13.82	14.1	3.65	4.54	7.38
Provision For Loan Losses, 5 Yr. CAGR %	-	37.14	-15.98	-19.87	1.95
Total Revenues, 5 Yr. CAGR %	11.88	12.89	6.11	7.03	8.7
Earnings From Cont. Operations, 5 Yr. CAGR %	17.24	14.9	3.42	6.54	10.11
Net Income, 5 Yr. CAGR %	16.25	15.17	3.38	6.35	9.96
Normalized Net Income, 5 Yr. CAGR %	18.71	19.01	5.61	8.17	10.91
Diluted EPS Before Extra, 5 Yr. CAGR %	13.81	12.1	0.98	4.99	8.97
Dividend Per Share, 5 Yr. CAGR %	5.76	7.39	2.17	8.61	8.29
Gross Loans, 5 Yr. CAGR %	12.02	16.5	17.63	16.72	19.08
Allowance For Loan Losses, 5 Yr. CAGR %	3.36	22.87	17.61	6.48	3.71
Net Loans, 5 Yr. CAGR %	12.29	16.62	17.78	16.92	19.27
Non Performing Loans, 5 Yr. CAGR %	8.95	41.82	7.38	2.92	2.5
Non Performing Assets, 5 Yr. CAGR %	7.96	37.04	7.38	2.92	2.5
Total Assets, 5 Yr. CAGR %	16.9	15.18	15.32	11.72	17.07
Total Deposits, 5 Yr CAGR %	11.99	22.72	21.44	21.41	21.35
Tangible Book Value, 5 Yr. CAGR %	11.23	13.8	13.19	13.61	11.66
Common Equity, 5 Yr. CAGR %	12.91	15.18	13.52	10.91	10.34
Total Equity, 5 Yr. CAGR %	10.77	13.41	13.11	10.44	10.52