1. Poland Stocks

  2. •

    Finance

  3. •

    Major banks
mBank SA

mBank SA

1,408.50
PLN
-35.50
(-2.46%)
58.01BMarket Cap
Oct 28Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
88.68
95.53
93.57
106.32
107.24
112.53
126.42
139.37
148.27
191.44
260.03
281.88
296.56
- -
Basic EPS, GAAP
28.62
30.5
30.82
28.86
25.81
30.79
23.17
2.45
-27.82
-16.57
0.57
52.8
83.35
- -
Free Cash Flow per Basic Share
-25.81
5.47
157.43
188.91
-78.42
13.57
-24.32
18.31
241.08
175.06
442.4
-57.37
72.17
-91.55
Dividend per Share
10
16.99
- -
0.19
0.13
5.15
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
242.55
261.63
289.84
308.03
330.04
358.29
380.47
393.54
323.61
299.6
323.45
418.08
503.44
549.31
Tangible Book Value per Share
231.75
250.59
277.55
294.25
313.24
339.96
361.03
365.72
293.31
266.8
283.37
372.03
450.56
492.92
Basic Weighted Avg Shares
42
42
42
42
42
42
42
42
42
42
42
42
43
43
Sales/Revenue/Turnover
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
- -
Operating Margin (%)
40.6
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
240
240
245
272
270
299
330
467
469
499
533
614
676
688
Net Income, GAAP
1,206
1,287
1,301
1,219
1,092
1,303
981
104
-1,179
-703
24
2,243
3,544
- -
Effective Tax Rate (%)
20.34
21.99
19.39
25.37
28.33
27.09
33.92
82.98
- -
- -
97.52
24.56
29.42
- -
Profit Margin (%)
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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
19,760
Total Equity
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
23,360
Return on Invested Capital (%)
3.32
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.25
3.36
3.32
3.08
3.05
3.7
3
0.33
- -
- -
0.08
6.84
9.46
- -
Return on Common Equity (%)
12.17
12.1
11.18
9.65
8.09
8.94
6.27
0.63
-7.76
-5.32
0.18
14.24
18.09
- -

Capital Structure

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
43
43
43
Market Capitalization
45,141
45,907
58,005

Working Capital

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
48,116
32,254
28,284
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

PLN

•

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

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,936
2,746
3,189
3,153
11,975
2025
3,091
3,203
- -
3,130
12,608
2026
3,157
3,161
- -
- -
- -

Quarterly Earnings Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6.18
9.93
13.48
23.2
52.8
2025
16.61
22.56
- -
24.49
83.35
2026
22.41
24.92
- -
- -
- -

Quarterly Dividends Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Cezary Kocik
Full Time Employees
8,726
Sector
Finance
Industry
Major banks
Address
ul. Prosta 18 Warsaw QC Poland 00-850
IPO Date
Oct 6, 1992
Website
mbank.pl
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Business
mBank S.A. delivers a comprehensive array of banking and financial solutions across Poland, the Czech Republic, and Slovakia. Its offerings span personal and business clients, encompassing current, savings, and investment accounts, along with various deposit products. The institution provides credit and debit cards, a range of financing options including consumer, auto, revolving, and corporate loans, as well as mortgage facilities. Furthermore, mBank's portfolio extends to pension and insurance products, brokerage services for stock exchange participation, and sophisticated transaction and mobile banking platforms. The bank also offers wealth management expertise, covering asset management, investment advisory, diverse investment funds, bespoke fund portfolios, and succession planning. For businesses and international transactions, services include currency exchange, foreign currency deposits, and forex forward contracts, alongside debt instruments such as treasury, non-treasury, and Eurobonds. Additionally, mBank facilitates factoring, leasing, and specialized investment banking, advisory, and currency handling. Operating with a robust network of digital channels complemented by retail branches, the company prioritizes technological innovation and convenience for its client base. Established in 1986 as BRE Bank S.A., it unified its brand under mBank S.A. in November 2013 and is headquartered in Warsaw, Poland. mBank S.A. is a subsidiary of Commerzbank AG.