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mBank S.A. Unsponsored ADR

mBank S.A. Unsponsored ADR

BREJY
mBank S.A. Unsponsored ADRUS flagOther OTC
4.42
USD
- -
- -
3.76BMarket Cap
mBank S.A. Unsponsored ADR
BREJY
(Other OTC)

Recent

price

4.42

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.54
4.25
4.34
4.43
4.78
4.68
5.32
5.36
5.63
6.32
6.97
7.41
9.57
13
14.09
14.83
11.09
Revenue per Share
0.87
1.35
1.42
1.43
1.52
1.54
1.44
1.29
1.54
1.16
0.12
-1.39
-0.83
0.03
2.64
4.17
3.18
Basic EPS, GAAP
-2.56
1.17
3.9
-1.29
0.27
7.87
9.45
-3.92
0.68
-1.22
0.92
12.05
8.75
22.12
-2.87
3.61
-1.04
Free Cash Flow per Basic Share
- -
0.01
- -
0.5
0.85
- -
0.01
0.01
0.26
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
4.8
5.44
6.86
7.79
8.46
10
11.43
12.37
13.65
14.8
14.96
13.57
12.73
12.74
15.38
19.37
19.37
Book Value per Share
9.06
8.97
10.9
11.62
12.57
13.92
14.75
15.67
17.01
18.06
18.29
14.67
13.35
14.18
18.61
22.53
22.54
Tangible Book Value per Share
734
842
842
843
844
844
845
846
846
847
847
847
848
849
850
850
850
Basic Weighted Avg Shares
3,332
3,576
3,658
3,738
4,030
3,951
4,492
4,535
4,762
5,353
5,903
6,282
8,117
11,038
11,975
12,608
9,429
Sales/Revenue/Turnover
- -
- -
- -
40.6
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
237
251
247
240
240
245
272
270
299
330
467
469
499
533
614
676
508
Depreciation Expense
642
1,135
1,197
1,206
1,287
1,301
1,219
1,092
1,303
981
104
-1,179
-703
24
2,243
3,544
2,707
Net Income, GAAP
24.26
21.99
18.22
20.34
21.99
19.39
25.37
28.33
27.09
33.92
82.98
- -
- -
97.52
24.56
29.42
25.4
Effective Tax Rate (%)
19.25
31.74
32.73
32.27
31.92
32.94
27.14
24.07
27.36
18.33
1.76
-18.76
-8.66
0.22
18.73
28.11
28.71
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
4,382
5,192
28,145
25,957
29,033
25,782
27,770
16,481
24,728
9,498
20,602
17,011
15,077
16,614
17,472
18,291
18,291
LT Debt
7,077
7,987
9,619
10,256
11,073
12,275
13,051
13,967
15,171
16,115
16,675
13,718
12,715
13,737
17,767
21,409
21,409
Total Equity
- -
- -
- -
3.26
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
20.19
28.02
23.13
19.54
18.77
16.7
13.47
10.85
11.84
8.15
0.82
-9.76
-6.3
0.22
18.78
23.99
18.33
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
43
- -
43
Market Capitalization
13,558
13,674
13,508

Working Capital

FRC

•

in mil. unless spec.
Jun'25
Sep'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
29,361
- -
48,116
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.45%
6.57%
20.5%
Free Cash Flow
31.05%
200.79%
-225.89%
Net Income, GAAP
779.32%
1,580.95%
57.96%
Sales/Revenue/Turnover
12.77%
17.08%
5.28%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
2,564
2,741
2,809
3,003
11,038
2024
2,936
2,746
3,189
3,153
11,975
2025
3,091
3,207
- -
3,130
12,608

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.17
-0.02
-0.1
-0.02
0.03
2024
0.31
0.5
0.67
1.16
2.64
2025
0.83
1.13
- -
1.22
4.17

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
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Business
mBank S.A. (BREJY) operates as Poland's fifth-largest universal banking group by total assets, loans and deposits, offering a comprehensive range of retail, corporate, SME and investment banking services; leasing and factoring through subsidiaries mLeasing and mFaktoring; mortgage banking via mBank Hipoteczny; wealth management, brokerage and investment funds including mTFI; insurance products distributed through bancassurance partnerships; payment solutions via mElements; and corporate finance advisory; alongside digital platforms such as mobile banking apps, mOkazje zakupy marketplace, and CompanyNet for businesses. The bank serves over 5.8 million retail clients and 37,000 corporate clients primarily in Poland, with retail operations extending to the Czech Republic and Slovakia; it maintains around 350 service locations including branches, advisory centers and light formats; Warsaw serves as headquarters since its founding in 1986 as BRE Bank, with rebranding to mBank in 2013; mBank functions as a subsidiary of Commerzbank AG, which holds a 69% stake. Recent developments include a May 2025 12-year strategic bancassurance extension with UNIQA targeting a doubling of the portfolio across life, motor, property, travel and leasing-related insurance for retail and mLeasing clients; consolidation of subsidiary mZakupy S.A. from February 2025 providing the mOkazje Zakupy service launched in December 2024; June 2025 issuance of EUR 400 million Tier 2 subordinated bonds, Poland's first EUR-denominated such transaction with a 10.25NC5.25 tenor at MS+250 bps; a Q3 2025 securitization of PLN 3.8 billion project finance portfolio focused on renewables, plus ramp-up of a prior Q4 2024 deal to PLN 7 billion; robust H1 2025 financials with net profit of PLN 1,665 million, total income up 7.1% year-over-year to PLN 6,227 million, loan portfolio growth of 10% to PLN 136.7 billion and deposits to PLN 205.7 billion, alongside a new 2026-2030 strategy "Full speed ahead!" emphasizing lifecycle-based client growth, organizational excellence and sustainability targets like net-zero Scope 1/2 emissions by 2040.

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