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mBank

WSE:MBK · PLBRE0000012
BanksMedium

360

26
Profit price21
Cash yield11
Price/Sales57
EV / Gross Profit64
Price/Book25
Returns on capital88
Profit margins—
Cash Conversion9
Accruals3
Owner Earnings Margin14
Sales growth17
Profit Growth43
Owner Earnings Growth90
Reinvestment5
Price momentum94
Debt load72
Debt serviceability14
Liquidity13
Analyst ratings7
Opinion Changes76
Price Target Upside1
Market mood24
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

mBank generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryGermany
IndustryBanks
SizeMedium
TypePublic Company
ExchangeWSE
Founded1986
Employees5,455
Websitembank.pl
ISINPLBRE0000012
Last UpdateApr 2, 2026
Indices
Renewable Energy UsersWIG 20 (Poland)
Themes
Digital BrokerageOnline PaymentsNeobankBankingFinancial Services

Description

mBank S.A. Group is a leading financial institution in Poland, providing a comprehensive range of banking services to both individual and corporate customers. The company has established itself as a digital pioneer in the banking sector. The distinct…

Analysis

Beloved champion

mBank S.A. sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

On valuation, the picture is fair. The owner-earnings multiple stands at 18.0×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is stretched. The company scores 17/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
1
2023202420252026

All-time high

47

Jul 2025

All-time low

1

Jun 2026

Average rank

26

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
57
35
29
35
Price/Earnings
40
43
23
12
Price/Book
25
3
5
18
Dividend Yield
11
1
1
1
Value (overall)
20
5
27
8

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →