ScoreWhy is mBank SA ?
1
Flat results in Mar 26
- ROCE(HY) Lowest at 1.41%
- NII(Q) Lowest at PLN 2,391 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 69.78%
2
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 75.52%, its profits have risen by 58% ; the PEG ratio of the company is 0.3
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is mBank SA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
mBank SA
70.93%
3.65
34.38%
Poland WIG
29.57%
1.74
17.24%
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
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
Mildly Bearish
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 4,369.98 MM
ROCE(HY)
Highest at 1.41%
CASH AND EQV(HY)
Highest at PLN 63,783.45 MM
-9What is not working for the Company
ROCE(HY)
Lowest at 1.41%
NII(Q)
Lowest at PLN 2,391 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 69.78%
NET SALES(Q)
Lowest at PLN 3,437 MM
OPERATING PROFIT(Q)
Lowest at PLN 1,525 MM
PRE-TAX PROFIT(Q)
Lowest at PLN 1,579 MM
NET PROFIT(Q)
Lowest at PLN 984.81 MM
Here's what is working for mBank SA
Operating Cash Flow
Highest at PLN 4,369.98 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PLN MM)
Cash and Eqv
Highest at PLN 63,783.45 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
NII
Lowest at PLN 2,391 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PLN MM)
Net Sales
Lowest at PLN 3,437 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (PLN MM)
Operating Profit
Lowest at PLN 1,525 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PLN MM)
Pre-Tax Profit
Lowest at PLN 1,579 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PLN MM)
Net Profit
Lowest at PLN 984.81 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (PLN MM)
Credit Deposit Ratio
Lowest at 69.78%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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