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Overview
Profile

mBank stock

MBK.WA
PLBRE0000012
884537

Price

765.60
Today +/-
+3.22
Today %
+1.77 %

mBank stock price

%
Weekly
Details

Price

Overview

The Quote Chart provides detailed and dynamic insights into the mBank stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the mBank stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the mBank stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze mBank's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

mBank Stock Price History

DatemBank Price
3/7/2025765.60 undefined
3/6/2025752.20 undefined
3/5/2025736.00 undefined
3/4/2025708.00 undefined
3/3/2025743.80 undefined
2/28/2025740.20 undefined
2/27/2025741.00 undefined
2/26/2025757.60 undefined
2/25/2025731.00 undefined
2/24/2025722.00 undefined
2/21/2025740.00 undefined
2/20/2025738.00 undefined
2/19/2025745.00 undefined
2/18/2025748.20 undefined
2/17/2025720.00 undefined
2/14/2025708.40 undefined
2/13/2025717.00 undefined
2/12/2025710.00 undefined
2/11/2025700.00 undefined
2/10/2025673.60 undefined

mBank Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

Understanding Revenue, EBIT, and Income

Gain insights into mBank, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by mBank from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects mBank’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of mBank. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into mBank’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing mBank’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on mBank’s growth potential.

mBank Revenue, EBIT and net profit per share

DatemBank RevenuemBank Net Income
2027e12.18 B undefined4 B undefined
2026e11.99 B undefined4.5 B undefined
2025e11.77 B undefined3.94 B undefined
202418.46 B undefined2.24 B undefined
202318.33 B undefined24.05 M undefined
202212.8 B undefined-702.69 M undefined
20217.44 B undefined-1.18 B undefined
20207.27 B undefined103.8 M undefined
20197.37 B undefined1.01 B undefined
20186.76 B undefined1.3 B undefined
20176.06 B undefined1.09 B undefined
20166.02 B undefined1.22 B undefined
20155.81 B undefined1.3 B undefined
20146 B undefined1.29 B undefined
20135.91 B undefined1.21 B undefined
20126.3 B undefined1.2 B undefined
20115.86 B undefined1.14 B undefined
20105.38 B undefined641.6 M undefined
20095.22 B undefined128.9 M undefined
20085.38 B undefined857.5 M undefined
20073.88 B undefined710.1 M undefined
20062.95 B undefined421.3 M undefined
20052.45 B undefined247.5 M undefined

mBank Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (B)EBIT MARGIN (%)NET INCOME (B)NET INCOME GROWTH (%)SHARES (M)DOCUMENTS
199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025e2026e2027e
0.630.931.622.632.262.582.441.962.52.452.953.885.385.225.385.866.35.9165.816.026.066.767.377.277.4412.818.3318.4611.7711.9912.18
-47.7074.1461.92-14.1214.49-5.53-19.8727.61-1.9220.5531.5538.51-2.882.939.047.47-6.161.49-3.103.560.7111.558.92-1.322.3872.0243.190.73-36.281.891.59
--------------------------------
00000000000000000000000000000000
000000000000000000000000000007.097.527
--------------------------------
0.110.150.210.670.360.22-0.380.01-0.290.250.420.710.860.130.641.141.21.211.291.31.221.091.31.010.1-1.18-0.70.022.243.944.54
-28.0740.41224.39-46.62-37.75-271.95-102.63-3,040.00-184.0170.4568.6520.70-85.06400.7877.075.460.756.631.17-6.30-10.5019.34-22.43-89.80-1,243.69-40.41-103.429,245.8375.8413.97-10.95
16.421.523.826.726.826.926.926.529.332.733.433.533.633.736.742.142.242.242.242.242.342.342.342.442.442.442.442.5242.54000
--------------------------------
Details

Keystats

Revenue and Growth

The mBank Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the mBank is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (B)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (B)GOODWILL (M)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (B)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
19961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024
                                                         
00000000000000000000000000000
00000000000000000000000000000
00000000000000000000000000000
00000000000000000000000000000
00000000000000000000000000000
00000000000000000000000000000
0.120.270.470.710.790.880.90.830.520.560.580.670.810.790.780.830.770.710.720.750.760.760.791.261.521.541.481.481.46
275110242457460413712726551710000070290000000
00000000000000000000000000000
0.010.010.030.050.10.140.210.330.360.380.370.410.440.440.420.430.430.450.460.520.580.710.770.961.151.261.371.681.96
0010392811925905523083270007555444040282424.2324.230
000.010.030.010.740.950.70.090.120.070.120.330.330.320.330.390.370.850.370.540.740.960.950.851.421.91.381.36
0.160.330.721.311.572.552.782.541.281.091.031.21.61.561.521.61.61.542.031.641.882.242.523.173.554.254.784.564.78
0.160.330.721.311.572.552.782.541.281.091.031.21.61.561.521.61.61.542.031.641.882.242.523.173.554.254.784.564.78
                                                         
5876919192929292115116118119119119168168169169169169169169169169169170169.73169.86169.99
0.120.420.740.740.750.620.660.661.271.311.381.41.41.43.323.333.333.343.363.373.383.43.413.413.423.4212.1812.233.46
0.320.450.61.191.371.480.840.830.460.611.031.732.592.713.364.415.616.46.978.279.4910.311.3812.412.511.331.891.8614.4
988884-9-22-3574-214-1146162484318550-10-11-1769177399-1,204-756.67-338.18-256.29
0000000000000000000442-312314601850-760.95-192.350
0.510.961.442.032.212.21.581.581.852.042.533.333.94.126.917.969.610.2311.0412.2413.0213.9715.1716.1516.6713.7212.7113.7417.77
00000000000000000000000000173.8400
2031061151501797642783220000000019918920218900229000000
0000000014201342191252362261025010518035316222662571.46201.18238.28
00000000000000003.187.024.881.871.7201.5400.730.780.330.30
000000000000000000000000008.439.280
0.20.110.120.150.180.760.280.32000.020.130.2200.030.243.67.225.082.111.820.182.130.160.960.84174.750.510.24
000.35000.032.584.553.12.733.394.594.464.054.385.198.129.1714.4712.7716.616.4823.9819.9420.618.9215.0716.615.54
0044123856948145970000011023101100010000
0.210.180.150.111.480.250.360.360.380.660.860.961.160.951.313.744.893.766.425.074.083.984.394.285.36.416.049.588.54
0.210.180.550.231.570.973.765.513.483.394.255.555.6255.78.9313.0112.9320.917.8520.6820.4628.3724.2125.925.3321.1126.1924.08
0.410.280.660.381.751.744.035.833.483.394.275.695.8455.729.1716.6120.1525.9819.9622.520.6430.4924.3726.8626.17195.8626.724.32
0.921.242.12.413.963.945.627.415.335.436.89.019.749.1212.6317.1326.2130.3837.0332.235.5334.6145.6640.5243.5339.88208.5740.4442.09
Details

Balance Sheet

Understanding the Balance Sheet

The balance sheet of mBank provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand mBank's financial health and stability.

Assets

mBank's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that mBank must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of mBank after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into mBank's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (B)NON-CASH ITEM (B)PAID INTEREST (B)PAID TAXES (B)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (B)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
1996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
0.120.150.210.670.360.22-0.380.01-0.240.340.580.9610.210.871.471.471.521.651.621.641.531.81.560.61-0.59-0.110.97
2025376181163169181149140167177204259237251247240240245272270299423467469498533
0000000000000000000000000000
-0.17-0.22-1.11-1.090.79-1.82-1.371.680.66-3.25-3.38-7.57-11.42-2.63-7.04-5.095.88-0.420.36.048.69-0.332.162.473.3214.8312.5226.63
0.040.10.080.160.140.050.030.570.490.610.970.982.311.494.294.97-4.04-2.21-1.71-0.91-2.24-4.33-3.13-3.9-3.07-3.9-4.93-8.64
00000000000000002.281.741.621.491.030.791.311.190.780.292.746.09
0.070.060.110.450.080000.020.070.030.120.190.470.080.10.40.460.40.260.420.480.60.710.440.840.451.08
00.05-0.79-0.211.37-1.38-1.562.441.06-2.16-1.67-5.46-7.91-0.67-1.641.63.55-0.870.486.998.36-2.861.130.551.3310.87.9919.5
-73-172-192-326-218-191-82-82-205-153-135-285-378-260-240-306-267-216-251-343-376-461-559-501-552-589-563-718
-95-235-514-380-357-422-295499-95-253-137403-127-134-187-216-147-196291-137-40942-450-444-508-495-614
-22-63-322-54-138-2315213630458-11814978213310611951705563423952600511088167103
0000000000000000000000000000
0.190.011.30.66-0.730.210.461.320.480.112.864.148.6-0.52-0.88-2.02-0.05-2.881.05-4.950.28-1.74-0.82-1.6-4.86-1.94-3.691.76
00.320.3300.0100-0.010.550.030.070.01001.970000000000000
0.160.251.520.49-1.06-0.11.271.140.880.382.844.038.53-0.980.74-2.52-0.4-2.850.72-5.320.14-1.87-0.39-1.69-4.95-2-3.781.57
0-29-62-111-157-189817-167-156234-78-116-59-461-347-493-356458390-370-133-123652-90-85-60-94-192
-22-44-47-68-182-1150000-7-10-12-3-2-70-421-7170-8-5-21800000
0.070.070.22-0.1-0.05-1.9-0.323.641.94-1.880.92-1.571.18-1.83-1.06-1.132.9-3.891.031.958.34-5.180.81-1.6-4.038.293.7120.45
-72-126-980-5321,147-1,575-1,6402,358856-2,317-1,803-5,743-8,289-931-1,8811,2893,285-1,0882316,6477,982-3,3165744677610,2157,422.8818,780.48
0000000000000000000000000000

mBank stock margins

The mBank margin analysis displays the gross margin, EBIT margin, as well as the profit margin of mBank. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for mBank.
  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Profit margin
Details

Margin

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the mBank's sales revenue. A higher gross margin percentage indicates that the mBank retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the mBank's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the mBank's total revenue generated. When comparing the revenue margin year over year, investors can gauge the mBank's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the mBank. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the mBank's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

mBank Margin History

DatemBank Profit margin
2027e32.87 %
2026e37.5 %
2025e33.53 %
202412.15 %
20230.13 %
2022-5.49 %
2021-15.84 %
20201.43 %
201913.72 %
201819.26 %
201718 %
201620.25 %
201522.38 %
201421.45 %
201320.41 %
201219.01 %
201119.36 %
201011.94 %
20092.47 %
200815.95 %
200718.29 %
200614.28 %
200510.11 %

mBank Stock Sales Revenue, EBIT, Earnings per Share

The mBank earnings per share therefore indicates how much revenue mBank has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue mBank earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates mBank's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of mBank’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating mBank's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

mBank Revenue, EBIT and net profit per share

DatemBank Sales per SharemBank Earnings per Share
2027e286.54 undefined94.19 undefined
2026e282.05 undefined105.78 undefined
2025e276.82 undefined92.82 undefined
2024434.03 undefined52.73 undefined
2023431.12 undefined0.57 undefined
2022301.91 undefined-16.57 undefined
2021175.52 undefined-27.8 undefined
2020171.44 undefined2.45 undefined
2019173.73 undefined23.83 undefined
2018159.9 undefined30.8 undefined
2017143.34 undefined25.8 undefined
2016142.34 undefined28.83 undefined
2015137.75 undefined30.83 undefined
2014142.16 undefined30.49 undefined
2013140.08 undefined28.59 undefined
2012149.29 undefined28.37 undefined
2011139.23 undefined26.96 undefined
2010146.48 undefined17.48 undefined
2009154.98 undefined3.82 undefined
2008160.04 undefined25.52 undefined
2007115.9 undefined21.2 undefined
200688.36 undefined12.61 undefined
200574.88 undefined7.57 undefined

mBank business model

mBank SA is a Polish bank that was founded in 2000. It is a subsidiary of Commerzbank and belongs to the Polish BRE Bank Group. The goal of mBank is to serve its customers individually on the online platform. The bank has specially tailored its business model to digital services and offers its customers innovative products and services. In recent years, mBank has established itself as a leading digital bank in Poland and has more than 6 million customers. The history of mBank began in 2000 with the founding of the bank with the aim of creating a new concept for banks in Poland. In 2007, the bank was acquired by BRE Bank. In 2013, BRE Bank sold its properties and real estate and decided to focus further on digital service. The bank has already won several awards, such as the Banking & Technology Award 2019 or the Gold Stevie Award in 2018 "Customer Service Department of the Year". mBank specializes in five business areas: retail customers, small and medium-sized enterprises, corporate customers, private banking, and corporate & investment banking. All business areas offer a wide range of innovative products and services. The retail customer department is the largest business area of the bank. Here, mBank offers an account that can be opened online, a credit card, and online banking services for financial management. In addition, customers can also use loans, mortgages, savings, and investment products. A special feature is the so-called financial coaching. The customer can manage their finances based on one of the four profiles that are based on automated analysis. Each customer is advised based on an individual profile and optimizes their finances. The small and medium-sized enterprise department offers a variety of services that are specifically tailored to the needs of this target group. Small businesses can use loans, factoring, leasing, or the mPOS device for accepting online payments. Medium-sized businesses can access comprehensive financial and advisory services, investment banking, or foreign currency hedging. Each relationship begins with a brief consultation in the branch or on a special onboarding portal. Here, the customer's needs are analyzed and an individual package is tailored to meet those needs. The corporate customer department is intended for larger companies that want to use comprehensive financial and advisory services, as well as access to global capital markets and complete solutions for cash management tailored to the customer. The private banking department offers comprehensive services for wealthy clients. A dedicated advisor makes it easy to get started with investments and offers individual retirement plans for the future. The account opening can be done online or by phone. Based on an in-depth conversation, a risk profile is created based on the customer's desires and needs. Then, an individual investment package is put together, consisting of various investment products. Last but not least, mBank also offers services in the field of corporate & investment banking. When it comes to larger transactions, the customer can access the network and global capital market. There is a special area, the trading desk, that trades a wide range of assets such as foreign exchange, securities, and commodities. Corporate customers can also access a broad portfolio of structured products. Overall, mBank is an innovative bank that focuses on digital services. Over the years, it has successfully developed its strategy and various products and has established itself as a leading bank in Poland. mBank is one of the most popular companies on Eulerpool.com.

mBank SWOT Analysis

Strengths

mBank SA has established a strong brand presence in the banking industry, particularly in Poland.

The bank has a well-diversified product portfolio, offering a wide range of financial services including personal banking, corporate banking, investment banking, and asset management.

mBank SA has a robust technological infrastructure, enabling it to provide efficient and secure online banking services to its customers.

Weaknesses

The bank heavily relies on the Polish market, which makes it vulnerable to changes in the local economy and regulatory environment.

mBank SA has a relatively smaller market share compared to some of its competitors, limiting its ability to exert influence in the industry.

The bank has faced criticism for its customer service quality, leading to potential reputational risks.

Opportunities

mBank SA can expand its operations into untapped international markets to reduce its dependency on the Polish market.

There is a growing demand for innovative financial technology (fintech) services, which the bank can leverage to enhance its offerings and attract new customers.

The bank can collaborate with emerging fintech startups to develop new products and services, fostering innovation within the organization.

Threats

Increasing competition from both traditional banks and emerging fintech companies poses a threat to mBank SA's market position.

Economic downturns or financial crises can negatively impact consumer confidence and reduce the demand for banking services.

Changes in regulations and compliance requirements can create operational challenges and increase costs for the bank.

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mBank Eulerpool Fair Value

Details

Fair Value

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

mBank historical P/E ratio, EBIT multiple, and P/S ratio

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mBank shares outstanding

The number of shares was mBank in 2024 — This indicates how many shares 42.542 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue mBank earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates mBank's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of mBank’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating mBank's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

mBank stock splits

In mBank's history, there have been no stock splits.

mBank dividend history and estimates

In 2024, mBank paid a dividend amounting to 0 PLN. Dividend means that mBank distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
Details

Dividend

Dividend Overview

The dividend per year chart for mBank provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify mBank’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating mBank's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

mBank Dividend History

DatemBank Dividend
2027e22.8 undefined
2026e25.59 undefined
2025e22.64 undefined
20185.15 undefined
201417 undefined
201310 undefined

mBank dividend payout ratio

In 2024, mBank had a payout ratio of 24.02%. The payout ratio indicates the percentage of the company's profits that mBank distributes as dividends.
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Payout ratio
Details

Payout ratio

What is Yearly Payout Ratio?

The yearly payout ratio for mBank represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for mBank could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate mBank's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

mBank Payout Ratio History

DatemBank Payout ratio
2027e24.2 %
2026e24.19 %
2025e24.39 %
202424.02 %
202324.16 %
202224.99 %
202122.92 %
202024.58 %
201927.46 %
201816.73 %
201729.55 %
201636.1 %
201535.82 %
201455.76 %
201334.99 %
201235.82 %
201135.82 %
201035.82 %
200935.82 %
200835.82 %
200735.82 %
200635.82 %
200535.82 %
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Unfortunately, there are currently no price targets and forecasts available for mBank.

mBank latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
3/31/20166.16 7.28  (18.16 %)2016 Q1
12/31/20157.63 7.32  (-4.08 %)2015 Q4
9/30/20156.64 7.57  (13.99 %)2015 Q3
6/30/20157.94 5.24  (-33.96 %)2015 Q2
3/31/20157.76 10.67  (37.55 %)2015 Q1
12/31/20147.74 7.31  (-5.51 %)2014 Q4
9/30/20147.8 7.47  (-4.16 %)2014 Q3
6/30/20147.68 15.69  (104.4 %)2014 Q2
3/31/20147.27 (10.01 %)2014 Q1
12/31/20136.38 7.45  (16.73 %)2013 Q4
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Eulerpool ESG Scorecard© for the mBank stock

Eulerpool World ESG Rating (EESG©)

93/ 100

🌱 Environment

99

👫 Social

99

🏛️ Governance

81

Environment

Scope 1 - Direct Emissions
2,972
Scope 2 - Indirect emissions from purchased energy
19,109
Scope 3 - Indirect emissions within the value chain
10,291
Total CO₂ emissions
22,081
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees59.5
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

mBank shareholders

%
Name
Stocks
Change
Date
69.06564 % Commerzbank AG29,352,897011/15/2024
5.17862 % Nationale-Nederlanden Powszechne Towarzystwo Emerytalne S.A.2,200,912011/15/2024
0.96260 % The Vanguard Group, Inc.409,1071951/31/2025
0.67704 % BlackRock Institutional Trust Company, N.A.287,742-5,7721/31/2025
0.33126 % BlackRock Advisors (UK) Limited140,7843,3281/31/2025
0.21340 % PZU Asset Management SA90,69668,59512/31/2023
0.17556 % Dimensional Fund Advisors, L.P.74,6136421/31/2025
0.16693 % Geode Capital Management, L.L.C.70,94501/31/2025
0.13157 % State Street Global Advisors (US)55,919501/31/2025
0.12990 % PKO Towarzystwo Funduszy Inwestycyjnych S.A.55,207-8,92712/31/2023
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5
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mBank Executives and Management Board

Dr. Cezary Stypulkowski

(67)
mBank President of the Management Board, Chief Executive Officer
Compensation 4.22 M

Mr. Cezary Kocik

(52)
mBank Vice President of the Management Board, Head of Retail Banking
Compensation 2.07 M

Mr. Krzysztof Dabrowski

mBank Vice President of the Management Board, Head of Operations and Information Technology
Compensation 1.98 M

Mr. Adam Pers

mBank Vice President of the Management Board, Head of Corporate and Investment Banking
Compensation 1.96 M

Mr. Marek Lusztyn

mBank Vice President of the Management Board, Chief Risk Officer
Compensation 1.88 M
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3

Most common questions regarding mBank

What values and corporate philosophy does mBank represent?

mBank SA represents a strong commitment to customer-centric values and transparent corporate philosophy. With a focus on providing innovative and tailored financial solutions, mBank SA strives to meet the diverse needs of its clients. The company values excellence, integrity, and accountability, which are reflected in its efficient and reliable services. By employing a combination of cutting-edge technology and personalized approach, mBank SA aims to foster long-term partnerships with its customers, while consistently driving innovation in the banking industry.

In which countries and regions is mBank primarily present?

mBank SA, a renowned financial institution based in Poland, primarily operates within the country itself. As a leading bank, mBank SA serves customers from various regions of Poland, including major cities like Warsaw, Kraków, and Wrocław. With its extensive branch network and technological advancement, mBank SA offers a wide range of financial products and services to cater to the diverse needs of its customers across the nation.

What significant milestones has the company mBank achieved?

mBank SA, a leading financial institution, has achieved several significant milestones throughout its history. One such milestone was its successful initial public offering (IPO) in 2011, which marked a new chapter of growth and expansion for the company. The acquisition of Bank Rozwoju Eksportu SA (BRE Bank) in 2013 further solidified mBank SA's position in the market and allowed it to strengthen its portfolio of services and enhance customer satisfaction. In recent years, mBank SA has been recognized for its digital transformation efforts, pioneering innovative solutions, and receiving prestigious industry awards. These milestones reflect mBank SA's commitment to excellence and continuous progress in the financial sector.

What is the history and background of the company mBank?

mBank SA, also known as just mBank, is a prominent Polish commercial bank. Established in 1986 as BRE Bank, it was rebranded as mBank in 2013. The bank has a rich history and is recognized for its innovative banking solutions and customer-centric approach. mBank focuses on retail and corporate banking services, offering a wide range of financial products including loans, savings accounts, insurance, and investment services. With its strong presence in the Polish market, mBank has expanded internationally and is regarded as one of the leading banks in Central and Eastern Europe. mBank SA has built a reputation for its technological advancements and commitment to providing reliable and efficient banking services.

Who are the main competitors of mBank in the market?

The main competitors of mBank SA in the market include major players such as PKO Bank Polski, Alior Bank, and ING Bank Śląski. These banks operate in the same market and offer similar financial products and services, posing competition for mBank SA. However, mBank SA strives to differentiate itself through its innovative digital banking solutions, customer-centric approach, and focus on providing a seamless and convenient banking experience. By continuously adapting to market trends and investing in advanced technologies, mBank SA effectively competes against its rivals to maintain its position in the financial sector.

In which industries is mBank primarily active?

mBank SA is primarily active in the banking and financial services industry.

What is the business model of mBank?

The business model of mBank SA revolves around providing a comprehensive range of financial services to its customers. As a leading commercial bank in Poland, mBank SA aims to meet the diverse needs of individuals, small and medium-sized enterprises, as well as corporate clients. The bank functions through a combination of traditional brick-and-mortar branches and innovative digital channels, ensuring a convenient and accessible banking experience. mBank SA focuses on delivering tailored solutions, including banking products, loans, investment services, insurance, and asset management. With a strong emphasis on technology and customer-centric approach, mBank SA strives to maintain its position as a reliable and client-oriented financial institution.

What is the P/E ratio of mBank 2025?

The mBank P/E ratio is 8.26.

What is the P/S ratio of mBank 2025?

The mBank P/S ratio is 2.77.

What is the Quality Investing of mBank?

The Quality Investing for mBank is 4/10.

What is the revenue of mBank 2025?

The expected mBank revenue is 11.77 B PLN.

How high is the profit of mBank 2025?

The expected mBank profit is 3.94 B PLN.

What is the business model of mBank

The mBank SA is a Polish bank focused on digital solutions and customer satisfaction. Its business model is based on various areas such as private and business customers, wealth management, and investments. In the area of private customers, mBank offers various products and services. One core product is the free and online opening of a current account. Customers have the possibility to easily and conveniently manage their accounts. Another product is the mKonto app, which allows customers to keep track of their finances at any time and from anywhere. In addition, the bank offers credit cards, savings and investment products, as well as insurance. mBank relies on transparent and fair products to gain customers' trust. For business customers, mBank SA offers tailored solutions. This includes the mBiz portal, which provides a variety of functions to simplify payment transactions and accounting. Additionally, the bank offers loans, leasing, factoring, and trade finance. mBank focuses on personal and individual advice to best meet customer needs. In the area of wealth management, mBank SA offers a wide range of funds based on strategic and tactical asset allocation. The bank applies risk management with a long-term perspective on customers' capital. In the area of investments, there are various offerings such as structured products and certificates tailored to customer needs. mBank also offers investors access to international markets or trading instruments such as forex and CFDs. Another business model of the bank is the digitalization of financial products. mBank aims to provide customers with a seamless and intuitive experience that is also accessible on mobile devices. To achieve this, the bank has developed a range of products, such as the mPay wallet, which allows customers to pay anytime and anywhere. In the area of sustainability, mBank focuses on a clear CSR strategy that takes into account social, environmental, and economic aspects in decision-making. The bank offers products and services that contribute to reducing environmental impact or promoting energy efficiency. Overall, mBank SA's business model is based on digital transformation to enhance the customer experience. The bank offers a variety of products and services tailored to the needs of private and business customers. mBank focuses on a clear CSR strategy and strives to integrate sustainability into its core business.

What is the mBank dividend?

mBank pays a dividend of 0 PLN distributed over payouts per year.

How often does mBank pay dividends?

The dividend cannot currently be calculated for mBank or the company does not pay out a dividend.

What is the mBank ISIN?

The ISIN of mBank is PLBRE0000012.

What is the mBank WKN?

The WKN of mBank is 884537.

What is the mBank ticker?

The ticker of mBank is MBK.WA.

How much dividend does mBank pay?

Over the past 12 months, mBank paid a dividend of 5.15 PLN . This corresponds to a dividend yield of about 0.67 %. For the coming 12 months, mBank is expected to pay a dividend of 25.59 PLN.

What is the dividend yield of mBank?

The current dividend yield of mBank is 0.67 %.

When does mBank pay dividends?

mBank pays a quarterly dividend. This is distributed in the months of August, June, May, June.

How secure is the dividend of mBank?

mBank paid dividends every year for the past 3 years.

What is the dividend of mBank?

For the upcoming 12 months, dividends amounting to 25.59 PLN are expected. This corresponds to a dividend yield of 3.34 %.

In which sector is mBank located?

mBank is assigned to the 'Finance' sector.

Wann musste ich die Aktien von mBank kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of mBank from 6/7/2018 amounting to 5.15 PLN, you needed to have the stock in your portfolio before the ex-date on 5/23/2018.

When did mBank pay the last dividend?

The last dividend was paid out on 6/7/2018.

What was the dividend of mBank in the year 2024?

In the year 2024, mBank distributed 0 PLN as dividends.

In which currency does mBank pay out the dividend?

The dividends of mBank are distributed in PLN.

All fundamentals about mBank

Our stock analysis for mBank Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of mBank Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.