ScoreWhy is mBank SA ?
1
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
- Bank has controlled its costs efficiently with a low Cost to Income ratio of 39.65%
2
Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at PLN 2,304.99 MM
- ROCE(HY) Highest at 1.35%
- CASH AND EQV(HY) Highest at PLN 62,454.02 MM
3
With ROA of 0.52%, it has a fair valuation with a 1.99 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 26.34%, its profits have risen by 9227%
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
26.34%
2.27
35.02%
Poland WIG
27.62%
1.38
19.95%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.50%
EBIT Growth (5y)
40.98%
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
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.99
EV to EBIT
5.97
EV to EBITDA
5.47
EV to Capital Employed
1.95
EV to Sales
2.74
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
32.57%
ROE (Latest)
11.50%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PLN 2,304.99 MM
ROCE(HY)
Highest at 1.35%
CASH AND EQV(HY)
Highest at PLN 62,454.02 MM
EPS(Q)
Highest at PLN 24.47
-6What is not working for the Company
ROCE(HY)
Lowest at 1.35%
NET SALES(Q)
Lowest at PLN 3,564.48 MM
OPERATING PROFIT(Q)
Lowest at PLN 1,577.12 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 44.25 %
PRE-TAX PROFIT(Q)
Lowest at PLN 1,584.65 MM
Here's what is working for mBank SA
Operating Cash Flow
Highest at PLN 2,304.99 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 24.47
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PLN)
Cash and Eqv
Highest at PLN 62,454.02 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for mBank SA
Net Sales
Lowest at PLN 3,564.48 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (PLN MM)
Operating Profit
Lowest at PLN 1,577.12 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PLN MM)
Operating Profit Margin
Lowest at 44.25 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at PLN 1,584.65 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PLN MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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