ScoreWhy is mBank SA ?
1
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
2
Flat results in Jun 25
- ROCE(HY) Lowest at 1.33%
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 83.15%, its profits have risen by 9227%
4
Market Beating performance in long term as well as near term
- Along with generating 83.15% returns in the last 1 year, the stock has outperformed Poland WIG in the last 3 years, 1 year and 3 months
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
79.2%
1.94
35.29%
Poland WIG
39.24%
1.84
20.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.40%
EBIT Growth (5y)
35.15%
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
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
ROCE(HY)
Highest at 1.33%
CREDIT DEPOSIT RATIO(HY)
Highest at 74.56%
OPERATING PROFIT(Q)
Highest at PLN 1,926.08 MM
OPERATING PROFIT MARGIN(Q)
Highest at 52.37 %
PRE-TAX PROFIT(Q)
Highest at PLN 1,977.21 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 1.33%
Here's what is working for mBank SA
Operating Profit
Highest at PLN 1,926.08 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PLN MM)
Operating Profit Margin
Highest at 52.37 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at PLN 1,977.21 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PLN MM)
Credit Deposit Ratio
Highest at 74.56%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for mBank SA
Non Operating Income
Highest at PLN 0.03 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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