mBank S.A. (WSE:MBK)
Poland · Delayed Price · Currency is PLN 1,610.00
-9.50 (-0.59%)
Nov 3, 2026, 4:59 PM CET
mBank Cash Flow Statement
Financials in millions PLN. Fiscal year is January - December.
Millions PLN. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 4,140 | 3,544 | 2,243 | 24.05 | -702.69 | -1,179 |
Depreciation & Amortization | 454.87 | 415.87 | 422.93 | 388.59 | 369.43 | 368.23 |
Other Amortization | 259.88 | 259.88 | 191.27 | 144.55 | 129.28 | 100.36 |
Gain (Loss) on Sale of Assets | -110.63 | -134.63 | -49.3 | -23.71 | 2.49 | 14.97 |
Change in Trading Asset Securities | -454.85 | 616.15 | 3,675 | 1,767 | 307.84 | -3,506 |
Change in Other Net Operating Assets | -42,200 | -28,284 | -21,794 | 8,192 | -10,059 | -8,688 |
Other Operating Activities | 475.86 | -850.14 | -1,627 | -2,405 | 1,269 | 287.69 |
Operating Cash Flow | -37,435 | -24,433 | -16,938 | 8,087 | -8,684 | -12,602 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -964.12 | -869.12 | -903.16 | -718.5 | -563.11 | -589.4 |
Sale of Property, Plant and Equipment | 55.64 | 198.64 | 95.56 | 115.7 | 61.72 | 85.8 |
Cash Acquisitions | -1 | - | -62.29 | -21.56 | - | -14.6 |
Divestitures | 17.78 | 5.78 | - | - | 0.12 | 5.15 |
Other Investing Activities | 55.45 | 8.45 | 14.28 | 9.49 | 5.53 | 5.05 |
Investing Cash Flow | -836.26 | -656.26 | -855.61 | -614.87 | -495.74 | -508.01 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | 6,162 | 2,657 | 4,884 | 1,792 | 3,497 |
Long-Term Debt Repaid | - | -5,358 | -1,619 | -3,123 | -5,482 | -5,432 |
Lease Payments | -170.49 | -166.49 | -173.29 | - | -115.63 | -93.62 |
Net Debt Issued (Repaid) | 1,061 | 804.17 | 1,038 | 1,761 | -3,690 | -1,935 |
Issuance of Common Stock | 0.12 | 0.12 | 0.13 | 0.13 | 0.19 | 0.07 |
Repurchase of Common Stock | -159.45 | -159.45 | - | - | - | - |
Net Increase (Decrease) in Deposit Accounts | 40,744 | 28,371 | 15,404 | 11,412 | 16,670 | 23,406 |
Other Financing Activities | 894.14 | -123.86 | 1,328 | -192.48 | -94.49 | -59.69 |
Financing Cash Flow | 42,540 | 28,892 | 17,769 | 12,981 | 12,886 | 21,411 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Foreign Exchange Rate Adjustments | 6.23 | -1.77 | 2.46 | -1.75 | 4.02 | -9.65 |
Net Cash Flow | 4,274 | 3,800 | -21.5 | 20,451 | 3,710 | 8,292 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | -38,399 | -25,302 | -17,841 | 7,369 | -9,247 | -13,191 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -316.20% | -210.85% | -153.35% | 73.72% | -125.25% | -241.51% |
Free Cash Flow Per Share | -901.89 | -594.48 | -419.37 | 173.29 | -218.07 | -311.34 |
Free Cash Flow After Leases | -38,570 | -25,469 | -18,014 | 7,369 | -9,363 | -13,285 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 4,418 | 4,586 | 5,359 | 6,088 | 2,737 | 294.1 |
Cash Income Tax Paid | 1,224 | 1,496 | 765 | 1,079 | 454.87 | 837.69 |