Full history for every metric is available with a Kvantra account
Key financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | PLN bn | 5.9 | 6.3 | 8.1 | 11.0 | 12.0 | 10.0 | 11.8 | - |
| Operating profit | PLN bn | 5.02 | 5.82 | ||||||
| Net profit | PLN bn | 0.10 | -1.18 | -0.70 | 0.02 | 2.24 | 3.54 | 3.89 | 4.25 |
| EPS reported | PLN | 83.26 | 91.42 | ||||||
| Operating cashflow per share | PLN | 64.12 | -56.00 | ||||||
| Capex per share | PLN | 20.44 | 22.32 | ||||||
| FCF per share | PLN | 43.68 | -78.33 | ||||||
| Free cash flow | PLN bn | 1.86 | -3.33 | ||||||
| Net debt | PLN bn | -37.1 | -8.5 | ||||||
| Book value equity | PLN bn | 21.4 | 23.4 | ||||||
| Book value per share | PLN | 503.0 | 548.8 | ||||||
| Number of shares | m | 42.56 | 42.57 | ||||||
| DPS (TTM paid) | PLN | 0.00 | 0.00 |
Financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.75 | 15.75 | ||||||
| P/B LTM | x | 2.11 | 2.60 | ||||||
| P/S LTM | x | 4.50 | 5.16 | ||||||
| P/FCF LTM | x | 24.30 | -18.23 | ||||||
| EV/EBITDA LTM | x | 4.63 | 8.23 | ||||||
| EV/Sales LTM | x | 1.81 | 4.43 | ||||||
| Earnings Yield LTM | % | 7.84% | 6.35% | ||||||
| FCF Yield | % | 4.11% | -5.49% | ||||||
| Quality | |||||||||
| ROE | % | 16.55% | 17.78% | ||||||
| ROIC | % | 1.27% | 7.33% | ||||||
| Operating margin | % | 34.39% | 36.14% | ||||||
| Gross margin | % | 63.56% | 69.62% | ||||||
| FCF/Sales | % | 12.72% | -20.69% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +57.90% | +20.64% | ||||||
| Sales Growth YoY | % | -16.44% | -6.85% | ||||||
| Net Income Growth YoY | % | +57.96% | +20.71% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +68.84% | +37.11% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.09 | -0.17 | ||||||
| Net Debt/EBITDA | x | -3.29 | -1.34 | ||||||
| EBIT/Net interest | x | 1.10 | 1.35 | ||||||
| Net debt/market cap | % | -82.26% | -14.06% | ||||||
| Net debt/Equity | x | -1.73 | -0.37 | ||||||
| Gross debt/equity | x | 1.00 | 0.85 | ||||||
ETFs that hold mBank
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| iShares MSCI Poland UCITS ETF | IBCJ.DE | 9 | 3.25% |
| iShares MSCI Poland ETF | EPOL | 9 | 3.29% |
| Beta ETF WIG20TR | ETFBW20TR.WA | 9 | 3.18% |
Funds with mBank among their ten largest holdings, largest fund first.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
mBank S.A. is a prominent financial institution delivering a comprehensive array of banking and financial services across Poland, the Czech Republic, Slovakia, and international markets. Its extensive offerings encompass a variety of account types, such as personal, savings, currency, investment, and business accounts, alongside diverse deposit options. The bank provides bill and credit cards, and a range of loan products including cash, vehicle, revolving, corporate, and mortgage financing. Additionally, clients can access pension schemes, insurance solutions, and stock exchange products, supported by modern transaction and mobile banking platforms. In terms of wealth management, mBank offers sophisticated services like asset management, investment advisory, access to various investment funds and tailored fund portfolios, and succession planning. The institution also facilitates foreign exchange transactions, currency deposits, and forex forward contracts. Its debt securities portfolio includes government, non-government, and Eurobonds. Further specialized services comprise factoring, leasing, investment credit, invoicing and accounting assistance, brokerage, and currency handling. Operating through 322 branches, mBank S.A. was founded in 1986. Originally known as BRE Bank S.A., the company officially adopted the mBank S.A. name in November 2013. Headquartered in Warsaw, Poland, mBank S.A. functions as a subsidiary of Commerzbank AG.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| iShares MSCI Poland UCITS ETF | IBCJ.DE | 9 | 3.25% |
| iShares MSCI Poland ETF | EPOL | 9 | 3.29% |
| Beta ETF WIG20TR | ETFBW20TR.WA | 9 | 3.18% |
Funds with mBank among their ten largest holdings, largest fund first.
Based on consensus from external analysts. Not Kvantra's opinion.
mBank S.A. is a prominent financial institution delivering a comprehensive array of banking and financial services across Poland, the Czech Republic, Slovakia, and international markets. Its extensive offerings encompass a variety of account types, such as personal, savings, currency, investment, and business accounts, alongside diverse deposit options. The bank provides bill and credit cards, and a range of loan products including cash, vehicle, revolving, corporate, and mortgage financing. Additionally, clients can access pension schemes, insurance solutions, and stock exchange products, supported by modern transaction and mobile banking platforms. In terms of wealth management, mBank offers sophisticated services like asset management, investment advisory, access to various investment funds and tailored fund portfolios, and succession planning. The institution also facilitates foreign exchange transactions, currency deposits, and forex forward contracts. Its debt securities portfolio includes government, non-government, and Eurobonds. Further specialized services comprise factoring, leasing, investment credit, invoicing and accounting assistance, brokerage, and currency handling. Operating through 322 branches, mBank S.A. was founded in 1986. Originally known as BRE Bank S.A., the company officially adopted the mBank S.A. name in November 2013. Headquartered in Warsaw, Poland, mBank S.A. functions as a subsidiary of Commerzbank AG.
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