mBank

mBank Net Income

The Net Income of mBank (MBK.WA) as of Nov 4, 2026 is 3.54 B PLN. In the previous year, Net Income was 2.24 B PLN — a change of 57.96% (higher).

Net Income

3.54 BPLN

YoY

57.96%

Last updated:

In 2025, mBank's profit amounted to 3.54 B PLN, a 57.96% increase from the 2.24 B PLN profit recorded in the previous year.

The mBank Net Income history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

Net Income
Date
Net Income
Jan 1, 2023
24.05 M PLN
Jan 1, 2024
2.24 B PLN
Jan 1, 2025
3.54 B PLN
Jan 1, 2026 (e)
4.23 B PLN
Jan 1, 2027 (e)
5.16 B PLN
Jan 1, 2028 (e)
5.85 B PLN
Jan 1, 2029 (e)
5.93 B PLN
Jan 1, 2030 (e)
5.84 B PLN
The mBank Net Income history
YEARNet IncomeYoY
est5.84 BPLN-1.54%
est5.93 BPLN+1.47%
est5.85 BPLN+13.46%
est5.16 BPLN+21.97%
est4.23 BPLN+19.28%
3.54 BPLN+57.96%
2.24 BPLN+9,225.87%
24.05 MPLN-103.42%
-702.69 MPLN-40.39%
-1.18 BPLN-1,235.26%
103.83 MPLN-89.42%
980.98 MPLN-24.70%
1.30 BPLN+19.35%
1.09 BPLN-10.48%
1.22 BPLN-6.30%
1.30 BPLN+1.13%
1.29 BPLN+6.66%
1.21 BPLN+0.76%
1.20 BPLN+5.49%
1.13 BPLN+76.90%
641.60 MPLN+391.56%
130.52 MPLN-85.32%
889.34 MPLN+18.96%
747.62 MPLN+130.61%
324.19 MPLN—

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mBank Revenue

mBank Revenue, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2023
16.99 B PLN
24.05 M PLN
Jan 1, 2024
16.94 B PLN
2.24 B PLN
Jan 1, 2025
14.60 B PLN
3.54 B PLN
Jan 1, 2026 (e)
12.78 B PLN
4.23 B PLN
Jan 1, 2027 (e)
14.05 B PLN
5.16 B PLN
Jan 1, 2028 (e)
14.98 B PLN
5.85 B PLN
Jan 1, 2029 (e)
16.38 B PLN
5.93 B PLN
Jan 1, 2030 (e)
13.52 B PLN
5.84 B PLN

mBank Margins

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
Date
Profit margin
Jan 1, 2023
0.14 %
Jan 1, 2024
13.24 %
Jan 1, 2025
24.27 %
Jan 1, 2026 (e)
33.08 %
Jan 1, 2027 (e)
36.68 %
Jan 1, 2028 (e)
39.04 %
Jan 1, 2029 (e)
36.23 %
Jan 1, 2030 (e)
43.23 %

mBank Stock analysis

What does mBank do? 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.

Net Income Details

Understanding mBank's Profit Margins

The profit margins of mBank represent the net income earned after deducting all operational expenses, costs, and taxes from the revenue. This figure is a clear indicator of mBank's financial health, operational efficiency, and profitability. Higher profit margins signify better cost management and income generation capabilities.

Year-to-Year Comparison

Evaluating mBank's profit on a yearly basis can offer significant insights into its financial growth, stability, and trends. A consistent increase in profit suggests improved operational efficiency, cost management, or increased revenue, while a decrease may indicate rising costs, declining sales, or operational challenges.

Impact on Investments

mBank's profit figures are critical for investors who are aiming to understand the company's financial standing and future growth prospects. Increased profits often lead to higher stock valuations, boosting investor confidence and attracting more investments.

Interpreting Profit Fluctuations

When mBank’s profit increases, it often indicates enhanced operational efficiency or increased sales. In contrast, a decline in profit can signal operational inefficiencies, increased costs, or competitive pressures, necessitating strategic interventions to boost profitability.

Frequently Asked Questions about mBank stock

Net Income of mBank is 3.54 B PLN in 2025.

Net Income of mBank changed from 2.24 B PLN to 3.54 B PLN, representing a 57.96% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Net Income mBank since 2006 – with annual values, charts, and detailed analysis.

The achievement of a profit is the biggest goal of a company. The profit can be used for distribution or reinvestment. The profit (also called annual surplus or EAT, earnings after taxes) is the positive difference between income and expenses in a period as shown in the income statement. A negative annual surplus is called annual loss. Both performance measures are also combined under the neutral term annual result.

The Net Income is derived from all revenues / sales minus the expenses in the period under review. The following overview clearly shows which positions contribute to the annual surplus and where the differences lie compared to other variants of profit such as EBT, EBIT, and EBITDA.

Net Income's PLN is a key factor for investors. Changes in this metric can signal improving or deteriorating fundamentals, directly impacting the stock price. On Eulerpool, you can track Net Income's mBank historically and in real time.

The profit in evaluating a stock

History, usage, calculation, and application of earnings in securities trading.

The history of earnings dates back to the beginnings of modern business organization. Since the beginning of industrialization, companies have been established to generate profits, and profits have been considered an essential part of corporate management. In recent years, the importance of earnings for investors has continued to rise, as many investors seek to find stocks that generate solid earnings.

Use of Profits

In securities trading, profits are used to determine the value of a stock. A company that generates profits is considered financially healthy and its stocks are valued higher, while a company that does not generate profits is considered less reliable and therefore receives a lower valuation. Investors can review the profits of each company by examining the relevant documents such as the income statement, the annual financial statements, and the income tax audits.

Calculation of profits

There are several different ways to calculate profits. The simplest way to calculate profits is by calculating net earnings. Net earnings are calculated by subtracting the company's expenses from its revenue. Another way to calculate profits is by calculating operating income. Operating income is calculated by subtracting the company's materials costs and employee wages and salaries from its revenue.

Use of profits

There are many different ways in which investors can use profits when evaluating stocks. One example is calculating the price-to-earnings ratio (P/E ratio). The P/E ratio is the relationship between the price of a stock and the company's earnings. When calculating the P/E ratio, the stock price is divided by the company's earnings. A low P/E value indicates that the stock has a good price-performance ratio, and a high P/E value indicates that the stock has a poor price-performance ratio.

Advantages and disadvantages of using profits

There are many advantages to using earnings in securities trading. Firstly, investors can check the financial health of a company by analyzing earnings. Secondly, investors can make a better decision about the valuation of a stock by calculating the P/E ratio. Thirdly, investors can reduce their risk by choosing stocks with a low P/E ratio.

However, there are also some drawbacks to relying on profits. Firstly, profits can be distorted if a company increases its profits through cost-cutting measures. Secondly, profits can present an inaccurate picture of a company's financial health if they are not calculated correctly. Thirdly, profits may not always be a reliable indicator of a company's future, as they can easily fluctuate.

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Overall, it can be said that profits in securities trading are an important indicator of a company's financial health. Investors can analyze profits to get a better understanding of the company's financial health and make informed decisions about stock valuation. However, there are some disadvantages to using profits as they can sometimes be distorted or inaccurate. Therefore, it is important for investors to be cautious and carefully analyze profits before making a decision to buy or sell stocks.

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Income Statement — mBank

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