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mBank S.A. (MBK.WA)
Warsaw, PL
mBank S.A. is a prominent financial institution delivering a comprehensive array of banking and financial services across Poland, the Czech Republic, Slovakia, and international markets. Its extensive offerings encompass a variety of account types, such as personal, savings, currency, investment, and business accounts, alongside diverse deposit options. The bank provides bill and credit cards, and a range of loan products including cash, vehicle, revolving, corporate, and mortgage financing. Additionally, clients can access pension schemes, insurance solutions, and stock exchange products, supported by modern transaction and mobile banking platforms. In terms of wealth management, mBank offers sophisticated services like asset management, investment advisory, access to various investment funds and tailored fund portfolios, and succession planning. The institution also facilitates foreign exchange transactions, currency deposits, and forex forward contracts. Its debt securities portfolio includes government, non-government, and Eurobonds. Further specialized services comprise factoring, leasing, investment credit, invoicing and accounting assistance, brokerage, and currency handling. Operating through 322 branches, mBank S.A. was founded in 1986. Originally known as BRE Bank S.A., the company officially adopted the mBank S.A. name in November 2013. Headquartered in Warsaw, Poland, mBank S.A. functions as a subsidiary of Commerzbank AG.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.38% | -2.13% | -8.67% | +10.07% | +11.43% | +6.41% | +41.24% | +234.05% | +307.49% | +271.86% | +756.78% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 2 | 0 |
| Sell | 4 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-13.8% Q1'26: +2.9% (vs Q1'25)
-
EPS growth+57.9% Q1'26: +35.0% (vs Q1'25)
-
FCF margin— Q1'26: +47.4% (vs Q1'25)
-
EBIT margin— Q1'26: +34.7% (vs Q1'25)
-
ROIC— Q1'26: +17.6% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 3.38× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 3 EPS Ana. |
Dec 2027 6 Rev. Ana. 6 EPS Ana. |
Dec 2028 4 Rev. Ana. 5 EPS Ana. |
Dec 2029 3 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
5.10B
est: 4.04B (+26.3%)
|
5.53B
est: 4.27B (+29.7%)
|
5.45B
est: 4.47B (+22.1%)
|
5.78B
est: 5.00B (+15.7%)
|
6.26B
est: 5.38B (+16.5%)
|
6.58B
est: 5.55B (+18.5%)
|
6.61B
est: 5.87B (+12.7%)
|
11.46B
est: 7.63B (+50.2%)
|
16.99B
est: 10.56B (+60.9%)
|
16.94B
est: 10.95B (+54.7%)
|
14.60B
est: 12.03B (+21.4%)
|
12.37B
12.35B – 12.40B
+2.9% YoY
|
13.27B
12.22B – 14.37B
+7.2% YoY
|
13.95B
13.68B – 14.21B
+5.1% YoY
|
12.90B
12.36B – 13.47B
-7.5% YoY
|
| EBITDA |
1.86B
est: 387.16M (+381.3%)
|
1.91B
est: 409.10M (+366.8%)
|
1.80B
est: 428.28M (+319.9%)
|
2.09B
est: 479.51M (+335.0%)
|
1.81B
est: 515.48M (+251.9%)
|
1.08B
est: 532.44M (+102.2%)
|
-122.45M
est: 562.57M (-121.8%)
|
390.68M
est: 731.60M (-46.6%)
|
1.50B
est: 6.53B (-77.0%)
|
3.59B
est: 6.77B (-47.0%)
|
5.02B
est: 7.44B (-32.5%)
|
7.65B
7.64B – 7.67B
+2.9% YoY
|
8.20B
7.55B – 8.88B
+7.2% YoY
|
8.62B
8.46B – 8.79B
+5.1% YoY
|
7.98B
7.64B – 8.33B
-7.5% YoY
|
| EBIT |
1.62B
est: 182.89M (+784.6%)
|
1.64B
est: 193.26M (+747.4%)
|
1.53B
est: 202.32M (+655.2%)
|
1.79B
est: 226.52M (+688.7%)
|
1.48B
est: 243.51M (+509.6%)
|
609.73M
est: 251.52M (+142.4%)
|
-591.03M
est: 265.76M (-322.4%)
|
-108.02M
est: 345.60M (-131.3%)
|
970.59M
est: 6.79B (-85.7%)
|
2.97B
est: 7.04B (-57.8%)
|
5.02B
est: 7.73B (-35.1%)
|
7.96B
7.94B – 7.97B
+2.9% YoY
|
8.53B
7.85B – 9.24B
+7.2% YoY
|
8.97B
8.79B – 9.14B
+5.1% YoY
|
8.30B
7.95B – 8.66B
-7.5% YoY
|
| Net Income |
1.30B
est: 1.21B (+7.4%)
|
1.22B
est: 1.10B (+10.8%)
|
1.09B
est: 1.11B (-2.0%)
|
1.30B
est: 1.22B (+6.6%)
|
980.98M
est: 1.25B (-21.4%)
|
103.83M
est: 413.44M (-74.9%)
|
-1.18B
est: 57.71M (-2,142.7%)
|
-702.69M
est: -489.02M (-43.7%)
|
24.05M
est: 581.10M (-95.9%)
|
2.24B
est: 1.81B (+24.0%)
|
3.54B
est: 4.38B (-19.1%)
|
4.06B
3.83B – 4.29B
-7.3% YoY
|
5.11B
4.19B – 5.92B
+25.7% YoY
|
5.85B
4.66B – 6.38B
+14.7% YoY
|
4.79B
4.52B – 5.06B
-18.3% YoY
|
| SGA |
557.45M
est: 222.53M (+150.5%)
|
513.02M
est: 235.15M (+118.2%)
|
541.00M
est: 246.17M (+119.8%)
|
569.89M
est: 275.62M (+106.8%)
|
415.54M
est: 296.29M (+40.2%)
|
474.64M
est: 306.04M (+55.1%)
|
453.83M
est: 323.36M (+40.3%)
|
676.11M
est: 420.51M (+60.8%)
|
615.71M
est: 687.81M (-10.5%)
|
670.25M
est: 713.06M (-6.0%)
|
1.78B
est: 783.20M (+127.6%)
|
805.80M
804.35M – 807.55M
+2.9% YoY
|
864.19M
795.56M – 935.41M
+7.2% YoY
|
908.07M
890.72M – 925.42M
+5.1% YoY
|
840.25M
804.90M – 877.05M
-7.5% YoY
|
| EPS |
30.82
est: 28.49 (+8.2%)
|
28.86
est: 25.87 (+11.6%)
|
25.81
est: 26.19 (-1.5%)
|
31.11
est: 28.74 (+8.3%)
|
23.86
est: 29.33 (-18.7%)
|
2.45
est: 9.72 (-74.8%)
|
-27.82
est: 1.36 (-2,151.0%)
|
-16.57
est: -11.50 (-44.1%)
|
0.57
est: 13.68 (-95.8%)
|
52.80
est: 42.45 (+24.4%)
|
83.35
est: 102.86 (-19.0%)
|
95.31
90.10 – 100.73
-7.3% YoY
|
117.01
98.56 – 139.03
+22.8% YoY
|
127.19
109.39 – 149.80
+8.7% YoY
|
112.44
106.29 – 118.84
-11.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-08 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-07 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-04 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-29 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-24 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-15 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Poland UCITS ETF IPOL.L | 3.70% | 33.80M | 0.74% |
| 2 | iShares MSCI Poland ETF EPOL | 3.70% | 24.59M | 0.59% |
| 3 | Amundi STOXX Europe 600 Healthcare UCITS ETF Acc CH5.L | 1.06% | 10.87M | 0.30% |
| 4 | Amundi STOXX Europe 600 Healthcare UCITS ETF Dist EHLT.DE | 1.06% | 10.86M | 0.30% |
| 5 | iShares STOXX Europe Small 200 UCITS ETF (DE) EXSE.DE | 0.66% | 4.55M | 0.20% |
| 6 | iShares STOXX Europe 600 Banks UCITS ETF (DE) EXV1.DE | 0.21% | 8.30M | 0.46% |
| 7 | WisdomTree True Emerging Markets Fund XC | 0.20% | 159.3K | 0.32% |
| 8 | HSBC MSCI Emerging Markets Climate Paris Aligned UCITS ETF HPEM.L | 0.20% | 76.2K | 0.18% |
| 9 | Amundi MSCI World Swap UCITS ETF EUR Dist EWLD.PA | 0.18% | 14.25M | 0.38% |
| 10 | Amundi MSCI World Swap UCITS ETF EUR Acc CW8.PA | 0.18% | 14.25M | 0.38% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Cezary Kocik | President of the Management Board & Chief Executive Officer | 5M | male |
| Pascal Ruhland | Chief Financial Officer & Vice President of Management Board | 3M | male |
| Julia Nusser | Vice President of the Management Board and Head of Compliance, Legal Issues & HR | 3M | female |
| Krzysztof Dabrowski | Vice President of the Management Board and Head of Operations & Information Technology | 3M | male |
| Krzysztof Bratos | Vice President of Management Board & Head of Retail Banking | 3M | male |
| Adam Pers | Vice President of the Management Board and Head of Corporate & Investment Banking | 3M | male |
| Marek Lusztyn | Vice President of the Management Board & Chief Risk Officer | 3M | male |
| Karol Prazmo | Managing Director for Treasury & Investor Relations | — | male |
| Marcin Mazurek | Chief Economist | — | male |
| Joanna Filipkowska | Head of Investor Relations | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for MBK.WA
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
