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
mBank SA
GPW:MBK
(Warsaw Stock Exchange)

Recent

price

1,408.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
PLN
90.84
84.95
86.86
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
- -
Revenue per Share
17.49
26.96
28.43
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
- -
Basic EPS, GAAP
-51.28
23.34
77.99
-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
Free Cash Flow per Basic Share
0.06
0.17
- -
10
16.99
- -
0.19
0.13
5.15
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
164.17
189.14
227.69
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
Book Value per Share
154
178.77
217.34
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
Tangible Book Value per Share
37
42
42
42
42
42
42
42
42
42
42
42
42
42
42
43
43
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
- -
Sales/Revenue/Turnover
- -
- -
- -
40.6
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
237
251
247
240
240
245
272
270
299
330
467
469
499
533
614
676
688
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
- -
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
- -
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
- -
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
19,760
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
23,360
Total Equity
- -
- -
- -
3.32
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
6.29
9.14
4.7
3.25
3.36
3.32
3.08
3.05
3.7
3
0.33
- -
- -
0.08
6.84
9.46
- -
Return on Capital (%)
11.63
15.26
13.64
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
- -
Return on Common Equity (%)

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
- -
- -
- -
- -
- -
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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.