mBank Ratios and Metrics

Market cap in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 12, 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
Market Capitalization	41,327	45,141	23,254	22,719	12,560	18,361
Market Cap Growth	33.03%	94.12%	2.36%	80.88%	-31.59%	141.84%
Last Close Price	971.80	1061.50	547.20	535.00	296.00	433.20
PE Ratio	11.67	12.74	10.37	944.49	-	-
PS Ratio	3.44	3.76	2.00	2.27	1.70	3.36
PB Ratio	1.93	2.11	1.31	1.65	0.99	1.34
P/FCF Ratio	-	-	-	3.08	-	-
P/OCF Ratio	-	-	-	2.81	-	-
Debt / Equity Ratio	0.99	0.99	1.07	1.30	1.24	1.51
Debt / FCF Ratio	-	-	-	2.42	-	-
Net Debt / Equity Ratio	-1.08	-1.08	-1.11	-1.55	-0.34	0.20
Net Debt / FCF Ratio	0.91	0.91	1.10	-2.89	0.47	-0.21
Return on Equity (ROE)	18.09%	18.09%	14.24%	0.18%	-5.32%	-7.76%
Return on Assets (ROA)	1.35%	1.35%	0.95%	0.01%	-0.34%	-0.63%
Earnings Yield	8.57%	7.85%	9.65%	0.11%	-5.59%	-6.42%
FCF Yield	-61.23%	-56.05%	-76.72%	32.43%	-73.62%	-71.84%
Buyback Yield / Dilution	-0.05%	-0.05%	-0.05%	-0.28%	-0.08%	0.02%
Total Shareholder Return	-0.05%	-0.05%	-0.05%	-0.28%	-0.08%	0.02%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.