ScoreWhy is mBank SA ?
1
Poor Management Efficiency with a low ROA of 0.51%
- The bank has been able to generate a Return on Assets (avg) of 0.51% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 14.80% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 14.80% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.51% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 102.60%
4
Positive results in Jun 26
- OPERATING CASH FLOW(Y) Highest at PLN 4,499.06 MM
- ROCE(HY) Highest at 1.39%
- EPS(Q) Highest at PLN 24.9
5
With ROA of 0.72%, it has a expensive valuation with a 2.59 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 49.60%, its profits have risen by 58% ; the PEG ratio of the company is 0.3
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to mBank SA should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is mBank SA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
mBank SA
-100.0%
3.92
33.38%
Poland WIG
43.29%
2.67
16.21%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.50%
EBIT Growth (5y)
40.82%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0.28%
Pledged Shares
0
Institutional Holding
0.02%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
2.59
EV to EBIT
8.86
EV to EBITDA
8.01
EV to Capital Employed
2.69
EV to Sales
3.87
PEG Ratio
0.28
Dividend Yield
NA
ROCE (Latest)
30.38%
ROE (Latest)
15.87%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
No Trend
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PLN 4,499.06 MM
ROCE(HY)
Highest at 1.39%
EPS(Q)
Highest at PLN 24.9
-2What is not working for the Company
ROCE(HY)
Lowest at 1.39%
Here's what is working for mBank SA
Operating Cash Flow
Highest at PLN 4,499.06 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PLN MM)
EPS
Highest at PLN 24.9
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PLN)
Here's what is not working for mBank SA
Capital Adequacy Ratio
Lowest at 13.63%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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