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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jan '26 Jan 29, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	44,142	23,254	22,719	12,560	18,361	7,592
Market Cap Growth	84.49%	2.36%	80.88%	-31.59%	141.84%	-53.96%
Last Close Price	1038.00	547.20	535.00	296.00	433.20	179.20
PE Ratio	12.67	10.37	944.49	-	-	73.12
PS Ratio	3.67	2.00	2.27	1.70	3.36	1.61
PB Ratio	2.16	1.31	1.65	0.99	1.34	0.46
P/FCF Ratio	-	-	3.08	-	-	-
P/OCF Ratio	-	-	2.81	-	-	-
Debt / Equity Ratio	0.88	1.07	1.30	1.24	1.51	1.38
Debt / FCF Ratio	-	-	2.42	-	-	-
Return on Equity (ROE)	19.51%	14.24%	0.18%	-5.32%	-7.76%	0.63%
Return on Assets (ROA)	1.40%	0.95%	0.01%	-0.34%	-0.63%	0.06%
Earnings Yield	7.90%	9.65%	0.11%	-5.59%	-6.42%	1.37%
FCF Yield	-52.18%	-76.72%	32.43%	-73.62%	-71.84%	-263.55%
Buyback Yield / Dilution	-0.04%	-0.05%	-0.28%	-0.08%	0.02%	-0.05%
Total Shareholder Return	-0.04%	-0.05%	-0.28%	-0.08%	0.02%	-0.05%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.