mBank S.A. (WSE:MBK)

mBank Statistics

Total Valuation

mBank has a market cap or net worth of PLN 39.12 billion.

Market Cap	39.12B
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, July 31, 2025.

Earnings Date	Jul 31, 2025
Ex-Dividend Date	n/a

Share Statistics

mBank has 42.53 million shares outstanding. The number of shares has increased by 0.04% in one year.

Current Share Class	42.51M
Shares Outstanding	42.53M
Shares Change (YoY)	+0.04%
Shares Change (QoQ)	-0.04%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	25.54%
Float	13.16M

Valuation Ratios

The trailing PE ratio is 12.14 and the forward PE ratio is 8.00.

PE Ratio	12.14
Forward PE	8.00
PS Ratio	3.21
PB Ratio	2.01
P/TBV Ratio	2.45
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	-0.99
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 18.90%.

Return on Equity (ROE)	18.90%
Return on Assets (ROA)	1.33%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	1.58M
Profits Per Employee	418,909
Employee Count	7,569
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, mBank has paid 1.02 billion in taxes.

Income Tax	1.02B
Effective Tax Rate	24.04%

Stock Price Statistics

The stock price has increased by +62.05% in the last 52 weeks. The beta is 1.18, so mBank's price volatility has been higher than the market average.

Beta (5Y)	1.18
52-Week Price Change	+62.05%
50-Day Moving Average	843.20
200-Day Moving Average	729.22
Relative Strength Index (RSI)	72.36
Average Volume (20 Days)	22,601

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 12.17 billion and earned 3.22 billion in profits. Earnings per share was 75.77.

Revenue	12.17B
Gross Profit	12.17B
Operating Income	7.50B
Pretax Income	4.24B
Net Income	3.22B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	75.77

Balance Sheet

The company has 26.73 billion in cash and 21.84 billion in debt, giving a net cash position of 4.89 billion or 115.07 per share.

Cash & Cash Equivalents	26.73B
Total Debt	21.84B
Net Cash	4.89B
Net Cash Per Share	115.07
Equity (Book Value)	19.51B
Book Value Per Share	423.57
Working Capital	-179.46B

Cash Flow

In the last 12 months, operating cash flow was -21.11 billion and capital expenditures -895.32 million, giving a free cash flow of -22.01 billion.

Operating Cash Flow	-21.11B
Capital Expenditures	-895.32M
Free Cash Flow	-22.01B
FCF Per Share	-517.57

Margins

Gross Margin	n/a
Operating Margin	61.65%
Pretax Margin	34.87%
Profit Margin	26.49%
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	-0.04%
Shareholder Yield	n/a
Earnings Yield	8.24%
FCF Yield	-56.26%

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