mBank S.A. (WSE:MBK)

mBank Statistics

Total Valuation

mBank has a market cap or net worth of PLN 43.63 billion.

Market Cap	43.63B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, February 10, 2026.

Earnings Date	Feb 10, 2026
Ex-Dividend Date	n/a

Share Statistics

mBank has 42.53 million shares outstanding. The number of shares has increased by 0.05% in one year.

Current Share Class	42.51M
Shares Outstanding	42.53M
Shares Change (YoY)	+0.05%
Shares Change (QoQ)	+0.05%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	25.11%
Float	13.16M

Valuation Ratios

The trailing PE ratio is 12.52 and the forward PE ratio is 10.08.

PE Ratio	12.52
Forward PE	10.08
PS Ratio	3.63
PB Ratio	2.14
P/TBV Ratio	2.38
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.78
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 19.51%.

Return on Equity (ROE)	19.51%
Return on Assets (ROA)	1.39%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	1.55M
Profits Per Employee	449,723
Employee Count	7,569
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, mBank has paid 1.17 billion in taxes.

Income Tax	1.17B
Effective Tax Rate	25.04%

Stock Price Statistics

The stock price has increased by +92.42% in the last 52 weeks. The beta is 1.04, so mBank's price volatility has been similar to the market average.

Beta (5Y)	1.04
52-Week Price Change	+92.42%
50-Day Moving Average	973.35
200-Day Moving Average	860.37
Relative Strength Index (RSI)	53.33
Average Volume (20 Days)	22,493

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, mBank had revenue of PLN 12.04 billion and earned 3.49 billion in profits. Earnings per share was 81.95.

Revenue	12.04B
Gross Profit	12.04B
Operating Income	7.23B
Pretax Income	4.65B
Net Income	3.49B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	81.95

Balance Sheet

The company has 27.64 billion in cash and 17.87 billion in debt, giving a net cash position of 9.77 billion or 229.76 per share.

Cash & Cash Equivalents	27.64B
Total Debt	17.87B
Net Cash	9.77B
Net Cash Per Share	229.76
Equity (Book Value)	20.43B
Book Value Per Share	480.41
Working Capital	-186.82B

Cash Flow

In the last 12 months, operating cash flow was -22.13 billion and capital expenditures -900.69 million, giving a free cash flow of -23.03 billion.

Operating Cash Flow	-22.13B
Capital Expenditures	-900.69M
Free Cash Flow	-23.03B
FCF Per Share	-541.59

Margins

Gross Margin	n/a
Operating Margin	60.08%
Pretax Margin	38.66%
Profit Margin	28.98%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

mBank does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.05%
Shareholder Yield	-0.05%
Earnings Yield	7.99%
FCF Yield	-52.79%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on July 4, 1994. It was a forward split with a ratio of 5.

Last Split Date	Jul 4, 1994
Split Type	Forward
Split Ratio	5

Scores

Altman Z-Score	n/a
Piotroski F-Score	2