Cash flow Macquarie Group Limited

Equities

MQG

AU000000MQG1

Diversified Investment Services

Delayed Australian S.E. Other stock markets 10:35:48 15/04/26 am AEST			5-day change	1st Jan Change
232.97 ^AUD	+0.42%		+3.91%	+14.60%

14/04	Macquarie in a "Goldilocks" Scenario, Morgan Stanley Upgrades Stock	MT
14/04	From Boston to Denver, US drivers cut back as Iran war pushes fuel costs higher	RE

08ca716b5381426dcdf7a3718a41.O0b6Q3Q8OhM1in4VTV4oGwOC_m3ZaMJ7fkAtsxIU9pY.diG7AQFRQ3FdukcgBjUQX3rJpxqBD4kTGzYd-D85xe9aL58CQFkJK1PJDQ

Published financial data: MACQUARIE GROUP LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	3.63B	3.99B	9.34B	15.75B	18.14B
Interest Income On Investments	333M	334M	804M	741M	-
Interest Income, Total	3.96B	4.32B	10.14B	16.49B	18.14B
Interest On Deposits	1.77B	1.46B	7.11B	13.03B	14.63B
Interest Expense, Total	1.77B	1.46B	7.11B	13.03B	14.63B
Net Interest Income	2.2B	2.86B	3.03B	3.46B	3.51B
Income From Trading Activities	3.48B	4B	7.5B	5.45B	5.37B
Gain (Loss) on Sale of Assets	239M	2.79B	407M	303M	443M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.35B	258M	1.68B	1.05B	808M
Income (Loss) on Equity Invest. (Income Block)	-3M	240M	-113M	-49M	167M
Total Other Non Interest Income	6.09B	7.51B	7.04B	6.57B	7.29B
Non Interest Income, Total	11.16B	14.79B	16.5B	13.32B	14.07B
Revenues Before Provison For Loan Losses	13.35B	17.65B	19.53B	16.78B	17.58B
Provision For Loan Losses	434M	250M	388M	-134M	266M
Total Revenues	12.92B	17.4B	19.14B	16.92B	17.32B
Salaries And Other Employee Benefits	4.94B	6.07B	6.94B	6.89B	6.82B
Occupancy Expense	226M	-	-	-	-
Selling General & Admin Expenses, Total	1.62B	1.91B	2.36B	2.51B	2.59B
Total Other Non Interest Expense	2.09B	2.81B	2.82B	2.66B	2.74B
Non Interest Expense, Total	8.87B	10.78B	12.13B	12.06B	12.14B
EBT, Excl. Unusual Items	4.05B	6.62B	7.01B	4.85B	5.18B
Impairment of Goodwill	-106M	-12M	-12M	-8M	-63M
Asset Writedown	-49M	-67M	-7M	-20M	-44M
Other Unusual Items	9M	-	-	-	-
EBT, Incl. Unusual Items	3.91B	6.54B	6.99B	4.83B	5.07B
Income Tax Expense	899M	1.59B	1.82B	1.29B	1.33B
Earnings From Continuing Operations	3.01B	4.95B	5.17B	3.54B	3.74B
Net Income to Company	3.01B	4.95B	5.17B	3.54B	3.74B
Minority Interest	7M	-247M	14M	-13M	-27M
Net Income - (IS)	3.02B	4.71B	5.18B	3.52B	3.72B
Preferred Dividend and Other Adjustments	99M	147M	167M	137M	132M
Net Income to Common Incl Extra Items	2.92B	4.56B	5.02B	3.38B	3.58B
Net Income to Common Excl. Extra Items	2.92B	4.56B	5.02B	3.38B	3.58B
Per Share Items
Net EPS - Basic	8.43	12.72	13.54	9.17	9.79
Basic EPS - Continuing Operations	8.43	12.72	13.54	9.17	9.79
Basic Weighted Average Shares Outstanding	346M	358M	370M	369M	366M
Net EPS - Diluted	8.25	12.31	13.16	9.11	9.75
Diluted EPS - Continuing Operations	8.25	12.31	13.16	9.11	9.75
Diluted Weighted Average Shares Outstanding	375M	389M	407M	381M	376M
Normalized Basic EPS	7.34	10.85	11.87	8.18	8.77
Normalized Diluted EPS	6.77	10	10.81	7.94	8.52
Dividend Per Share	4.7	6.22	7.5	6.4	6.5
Payout Ratio	28.56	36.36	38.79	75.58	58.87
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	23.01	24.25	26.09	26.75	26.16
Total Current Taxes	1.02B	1.74B	2.11B	1.32B	1.39B
Total Deferred Taxes	-122M	-156M	-286M	-27M	-62M
Normalized Net Income	2.54B	3.89B	4.4B	3.02B	3.21B
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	582M	659M	762M	833M	842M
Stock-Based Comp., Other (Total)	-	-	-	-	1M
Total Stock-Based Compensation	582M	659M	762M	833M	843M

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	15.88B	50.17B	46.03B	33.32B	21.89B
Investment Securities, Total	13.33B	14.72B	20.8B	21.26B	27.22B
Trading Asset Securities, Total	42.39B	98.47B	53B	51.99B	59.3B
Total investments	55.72B	113B	73.79B	73.25B	86.52B
Gross Loans	106B	136B	160B	178B	207B
Allowance For Loan Losses	-1.13B	-1.03B	-1.32B	-1.22B	-1.26B
Other Adjustments to Gross Loans	-306M	-180M	-218M	-249M	-156M
Net Loans	105B	135B	159B	176B	206B
Gross Property Plant And Equipment	7.59B	8.24B	10.31B	12.16B	10.19B
Accumulated Depreciation	-2.92B	-3.1B	-3.67B	-4.03B	-3.26B
Net Property Plant And Equipment	4.68B	5.14B	6.64B	8.13B	6.93B
Goodwill	1.32B	1.86B	2B	2.38B	1.08B
Other Intangibles, Total	1.22B	1.92B	1.82B	1.88B	587M
Investment in Real Estate	-	-	-	-	653M
Other Receivables	8.26B	11.58B	13.9B	19.02B	19.22B
Restricted Cash	36.68B	51.2B	54.32B	58.42B	66.58B
Other Current Assets, Total	14.68B	26.85B	26.6B	27.39B	33.87B
Deferred Tax Assets Long-Term (Collected)	1.47B	1.55B	1.8B	2.08B	2.08B
Other Long-Term Assets, Total	722M	966M	2.4B	1.18B	150M
Total Assets	246B	399B	388B	403B	445B
Liabilities
Accounts Payable, Total	-	-	-	-	2.19B
Accrued Expenses, Total	4B	5.23B	4.91B	4.35B	4.44B
Interest Bearing Deposits	73.24B	84.74B	113B	125B	150B
Non-Interest Bearing Deposits	10.96B	16.93B	21.43B	23.76B	27.74B
Total Deposits	84.2B	102B	135B	148B	178B
Short-Term Borrowings	22.12B	101B	51.53B	64.21B	67.44B
Current Portion of Long-Term Debt	-	-	-	-	1.3B
Long-Term Debt	80.22B	123B	122B	108B	111B
Long-Term Leases	784M	586M	702M	918M	941M
Current Income Taxes Payable	1.08B	981M	1.09B	785M	908M
Other Current Liabilities - (Bank / Utility Template)	28.35B	32.97B	32.46B	33.87B	36.64B
Unearned Revenue Non Current	-	259M	369M	504M	372M
Deferred Tax Liability Non-Current	204M	216M	196M	383M	272M
Other Non Current Liabilities	2.35B	4.11B	5.45B	7.91B	6.13B
Total Liabilities	223B	370B	354B	369B	409B
Common Stock, Total	10.17B	14.16B	14.74B	14.16B	13.83B
Retained Earnings	12.23B	14.74B	17.45B	18.22B	19.46B
Treasury Stock	-1.63B	-1.86B	-2.33B	-2.78B	-2.76B
Comprehensive Income and Other	1.28B	1.52B	3.3B	3.89B	4.83B
Total Common Equity	22.05B	28.56B	33.16B	33.48B	35.36B
Minority Interest	303M	245M	951M	515M	433M
Total Equity	22.35B	28.81B	34.11B	34B	35.79B
Total Liabilities And Equity	246B	399B	388B	403B	445B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	347M	369M	370M	365M	365M
ECS Total Common Shares Outstanding	347M	369M	370M	365M	365M
Book Value / Share	63.58	77.51	89.67	91.72	96.96
Tangible Book Value	19.5B	24.78B	29.33B	29.23B	33.68B
Tangible Book Value Per Share	56.25	67.25	79.32	80.06	92.38
Tangible Book Value Per Share (As Reported)	53.91	64.59	75.89	76.32	80.53
Total Debt	103B	225B	175B	173B	181B
Deposits at Interest - Cash	435M	1.9B	6.69B	10.24B	2.38B
Net Debt	44.86B	76.3B	75.56B	87.87B	99.62B
Equity Method Investments, Total	4.19B	4.37B	5.57B	6.97B	7.72B
Full Time Employees	16.46K	18.13K	20.51K	20.67K	19.74K
Number Of Offices	-	-	-	-	-
Assets on Operating Lease - Gross	4.41B	5.4B	6.6B	7.22B	5.27B
Assets on Operating Lease - Accumulated Depreciation	-1.62B	-1.82B	-2.2B	-2.48B	-1.84B

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	3.02B	4.71B	5.18B	3.52B	3.72B
Depreciation, Depletion & Amortization	811M	659M	671M	792M	894M
Amortization of Goodwill and Intangible Assets - (CF)	114M	160M	197M	180M	179M
Total Depreciation, Depletion & Amortization	925M	819M	868M	972M	1.07B
Amortization of Deferred Charges, Total	-	-	31M	25M	41M
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	24M
Total Asset Writedown	162M	87M	20M	28M	107M
Provision for Credit Losses	362M	422M	439M	-397M	256M
(Income) Loss On Equity Investments - (CF)	3M	-240M	113M	49M	-167M
Stock-Based Compensation (CF)	529M	618M	751M	799M	843M
Change in Trading Asset Securities	-5.07B	7.76B	-15.48B	-10.9B	-5.07B
Changes in Accrued Interest Receivable	-253M	-376M	265M	18M	-316M
Changes in Accrued Interest Payable	-	-	-	-	-
Change In Income Taxes	112M	-156M	-210M	-341M	-140M
Change in Other Net Operating Assets (Collected)	-12.16B	22.36B	-34.27B	-10.33B	-22.55B
Other Operating Activities	-1.98B	-3.01B	-2.12B	-1.01B	-653M
Cash from Operations	-14.35B	32.99B	-44.41B	-17.57B	-22.84B
Capital Expenditure	-761M	-977M	-824M	-1.96B	-1.06B
Sale of Property, Plant, and Equipment	359M	85M	70M	-	59M
Cash Acquisitions	-230M	-2.02B	-	-	-
Divestitures	876M	3.39B	-	-	-
Investment in Marketable and Equity Securities, Total	2.66B	-465M	-476M	-1.92B	-1.33B
Cash from Investing	2.9B	12M	-1.23B	-3.88B	-2.34B
Long-Term Debt Issued, Total	4.42B	1.4B	3.08B	1.25B	2.72B
Total Debt Issued	4.42B	1.4B	3.08B	1.25B	2.72B
Long-Term Debt Repaid, Total	-1.27B	-1.1B	-	-	-1B
Total Debt Repaid	-1.27B	-1.1B	-	-	-1B
Issuance of Common Stock	-	2.78B	-	-	-
Repurchase of Common Stock	-	-	-923M	-1.73B	-1.3B
Common Dividends Paid	-861M	-1.71B	-2.01B	-2.66B	-2.19B
Common & Preferred Stock Dividends Paid	-861M	-1.71B	-2.01B	-2.66B	-2.19B
Net Increase (Decrease) in Deposit Accounts - (CF)	17.18B	17.46B	33.03B	13.48B	29.17B
Other Financing Activities, Total	-375M	-222M	305M	153M	-175M
Cash from Financing	19.09B	18.61B	33.48B	10.49B	27.23B
Foreign Exchange Rate Adjustments	-3.11B	-781M	5.05B	513M	1.08B
Net Change in Cash	4.53B	50.83B	-7.11B	-10.45B	3.13B
Supplemental Items
Cash Interest Paid	1.92B	1.43B	6.28B	12.6B	14.68B
Cash Income Tax Paid (Refund)	790M	1.74B	2.04B	1.63B	1.47B
Net Debt Issued / Repaid	3.15B	304M	3.08B	1.25B	1.72B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.2	1.54	1.31	0.89	0.88
Return On Equity %	13.63	19.36	16.43	10.38	10.72
Return on Common Equity	13.53	18.02	16.25	10.16	10.41
Shareholders Value Added	542M	1.83B	1.68B	-296M	-236M
Margin Analysis
SG&A Margin	52.48	45.84	48.62	55.55	54.31
Net Interest Income / Total Revenues %	16.99	16.43	15.82	20.45	20.25
EBT Excl. Non-Recurring Items Margin %	31.37	38.03	36.63	28.7	29.89
Income From Continuing Operations Margin %	23.28	28.46	27	20.9	21.61
Net Income Margin %	23.34	27.04	27.07	20.82	21.46
Net Avail. For Common Margin %	22.57	26.2	26.2	20.01	20.69
Normalized Net Income Margin	19.66	22.35	22.97	17.86	18.52
Asset quality
Nonperforming Loans / Total Loans %	1.9	1.21	1.26	1.55	1.11
Nonperforming Loans / Total Assets %	0.82	0.41	0.52	0.68	0.52
Nonperforming Assets / Total Assets %	0.82	0.41	0.52	0.68	0.52
NPAs / Loans and OREO	1.9	1.21	1.26	1.55	1.11
NPAs / Equity	9.06	5.71	5.94	8.12	6.42
Allowance for Credit Losses / Net Charge-offs %	720.38	640.37	1.91K	4.05K	506
Allowance for Credit Losses / Nonperforming Loans %	55.88	62.71	64.99	43.99	55.02
Allowance for Credit Losses / Total Loans %	1.06	0.76	0.82	0.68	0.61
Provision for Loan Losses / Net Charge-offs %	276.43	155.28	562.32	-446.67	106.4
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.6	7.85	7.84	8.42	8.11
Total Average Equity / Total Average Assets %	8.8	7.93	7.99	8.61	8.22
Total Equity + Allowance for Loan Losses / Total Loans %	21.77	21.77	21.53	19.51	17.69
Gross Loans / Total Deposits %	126.44	133.73	118.85	119.82	116.55
Net Loans / Total Deposits %	124.74	132.53	117.71	118.84	115.75
Tier 1 Capital Ratio %	18.1	16.5	20.6	20.9	19.6
Core Tier 1 Capital Ratio	16.2	14.6	18.4	18.7	17.6
Coverage Ratio	55.88	62.71	64.99	43.99	55.02
Interbank Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.21	5.46	1.98	1.37	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	18.07	30.3	5.87	14.23	1.39
Non Interest Income, 1 Yr. Growth %	-1.02	32.57	11.55	-19.27	5.64
Provision For Loan Losses, 1 Yr. Growth %	-46.09	-42.4	55.2	-134.54	-298.51
Total Revenues, 1 Yr. Growth %	4.8	34.7	9.99	-11.63	2.36
Earnings From Cont. Operations, 1 Yr. Growth %	10.34	64.66	4.34	-31.6	5.86
Net Income, 1 Yr. Growth %	10.4	56.09	10.11	-32.03	5.48
Normalized Net Income, 1 Yr. Growth %	17.29	53.11	13.03	-31.28	6.18
Diluted EPS Before Extra, 1 Yr. Growth %	7.86	49.24	6.96	-30.76	7.03
Dividend Per Share, 1 Yr. Growth %	9.3	32.34	20.58	-14.67	1.56
Gross Loans, 1 Yr. Growth %	11.38	27.7	17.76	11.07	16.44
Allowance For Loan Losses, 1 Yr. Growth %	22.4	-8.84	27.64	-7.67	4.12
Net Loans, 1 Yr. Growth %	11.59	28.3	17.68	11.22	16.6
Non Performing Loans, 1 Yr. Growth %	1.66	-18.77	21.33	36.4	-16.76
Non Performing Assets, 1 Yr. Growth %	1.66	-18.77	21.33	36.4	-16.76
Total Assets, 1 Yr. Growth %	-3.97	62.5	-2.83	4	10.37
Total Deposits, 1 Yr Growth %	25.03	20.75	32.51	10.17	19.71
Tangible Book Value, 1 Yr. Growth %	9.61	27.05	18.35	-0.34	15.25
Common Equity, 1 Yr. Growth %	4.68	29.54	16.08	0.98	5.6
Total Equity, 1 Yr. Growth %	2.6	28.88	18.4	-0.32	5.27
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	11.68	24.03	17.45	9.97	7.62
Non Interest Income, 2 Yr. CAGR %	0.1	14.55	21.6	-5.1	-7.65
Provision For Loan Losses, 2 Yr. CAGR %	16.46	-44.27	-5.45	-26.79	-17.2
Total Revenues, 2 Yr. CAGR %	1.36	18.81	21.72	-1.41	-4.89
Earnings From Cont. Operations, 2 Yr. CAGR %	0.33	34.79	31.08	-15.52	-14.91
Net Income, 2 Yr. CAGR %	0.55	31.27	31.1	-13.49	-15.33
Normalized Net Income, 2 Yr. CAGR %	5.1	34.01	31.55	-11.87	-14.58
Diluted EPS Before Extra, 2 Yr. CAGR %	-2.54	26.87	26.34	-13.94	-13.91
Dividend Per Share, 2 Yr. CAGR %	-9.59	20.27	26.32	1.44	-6.91
Gross Loans, 2 Yr. CAGR %	16.1	19.26	22.63	14.37	13.72
Allowance For Loan Losses, 2 Yr. CAGR %	44.72	5.63	7.87	8.56	-1.96
Net Loans, 2 Yr. CAGR %	16.18	19.65	22.88	14.41	13.88
Non Performing Loans, 2 Yr. CAGR %	2.27	-9.13	0.02	28.64	6.55
Non Performing Assets, 2 Yr. CAGR %	2.27	-9.13	0.02	28.64	6.55
Total Assets, 2 Yr. CAGR %	11.45	24.92	25.66	0.53	7.14
Total Deposits, 2 Yr CAGR %	22.41	22.87	26.49	20.82	14.84
Tangible Book Value, 2 Yr. CAGR %	11.35	18.01	22.62	8.6	7.17
Common Equity, 2 Yr. CAGR %	11.42	16.45	22.63	8.27	3.27
Total Equity, 2 Yr. CAGR %	10.32	14.99	23.53	8.64	2.44
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	3.39	17.57	17.66	16.37	7.03
Non Interest Income, 3 Yr. CAGR %	9.35	9.93	13.54	6.08	-1.65
Provision For Loan Losses, 3 Yr. CAGR %	75.71	-7.9	-21.59	-32.41	2.09
Total Revenues, 3 Yr. CAGR %	7.36	11.44	15.8	9.4	-0.17
Earnings From Cont. Operations, 3 Yr. CAGR %	5.24	18.35	23.77	5.53	-8.92
Net Income, 3 Yr. CAGR %	5.65	16.43	23.8	5.32	-7.58
Normalized Net Income, 3 Yr. CAGR %	11.33	19.14	26.62	5.95	-6.22
Diluted EPS Before Extra, 3 Yr. CAGR %	3.51	12.34	19.86	3.39	-7.45
Dividend Per Share, 3 Yr. CAGR %	-3.62	2.65	20.37	10.84	1.48
Gross Loans, 3 Yr. CAGR %	12.58	19.85	18.76	18.65	15.06
Allowance For Loan Losses, 3 Yr. CAGR %	34.01	24.06	12.51	2.42	7.06
Net Loans, 3 Yr. CAGR %	12.63	20.09	18.99	18.86	15.13
Non Performing Loans, 3 Yr. CAGR %	78.98	-5.29	0.57	10.92	11.27
Non Performing Assets, 3 Yr. CAGR %	69.04	-5.29	0.57	10.92	11.27
Total Assets, 3 Yr. CAGR %	8.69	26.38	14.88	17.98	3.71
Total Deposits, 3 Yr CAGR %	20.27	21.85	26	20.8	20.45
Tangible Book Value, 3 Yr. CAGR %	8.28	16.36	18.12	14.43	10.77
Common Equity, 3 Yr. CAGR %	10.46	17.16	16.33	14.94	7.37
Total Equity, 3 Yr. CAGR %	7.13	16.19	16.12	15	7.5
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-0.75	5.53	8.8	14.47	13.54
Non Interest Income, 5 Yr. CAGR %	7.41	13.82	14.1	3.65	4.54
Provision For Loan Losses, 5 Yr. CAGR %	-	-	37.14	-15.98	-19.87
Total Revenues, 5 Yr. CAGR %	5.08	11.88	12.89	6.11	7.03
Earnings From Cont. Operations, 5 Yr. CAGR %	7.57	17.24	14.9	3.42	6.54
Net Income, 5 Yr. CAGR %	7.88	16.25	15.17	3.38	6.35
Normalized Net Income, 5 Yr. CAGR %	6.98	18.71	19.01	5.61	8.17
Diluted EPS Before Extra, 5 Yr. CAGR %	6.56	13.81	12.1	0.98	4.99
Dividend Per Share, 5 Yr. CAGR %	3.28	5.76	7.39	2.17	8.61
Gross Loans, 5 Yr. CAGR %	6.49	12.02	16.5	17.63	16.72
Allowance For Loan Losses, 5 Yr. CAGR %	3.92	3.36	22.87	17.61	6.48
Net Loans, 5 Yr. CAGR %	6.65	12.29	16.62	17.78	16.92
Non Performing Loans, 5 Yr. CAGR %	17.21	8.95	41.82	7.38	2.92
Non Performing Assets, 5 Yr. CAGR %	16.95	7.96	37.04	7.38	2.92
Total Assets, 5 Yr. CAGR %	4.54	16.9	15.18	15.32	11.72
Total Deposits, 5 Yr CAGR %	10.02	11.99	22.72	21.44	21.41
Tangible Book Value, 5 Yr. CAGR %	6.8	11.23	13.8	13.19	13.61
Common Equity, 5 Yr. CAGR %	7.84	12.91	15.18	13.52	10.91
Total Equity, 5 Yr. CAGR %	7.37	10.77	13.41	13.11	10.44