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mBank SA (PL:MBK)
:MBK
Earnings Data
Report Date
May 06, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
16.58Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Q4 2025
Earnings Call Date:Feb 10, 2026|
% Change Since:
|
Earnings Call Sentiment|Positive
The call highlighted a very strong operational and financial year for mBank: record profit, robust loan and deposit growth, market share gains, successful capital issuance, and clear progress reducing FX-related legal risk. At the same time, the bank faces headwinds from lower interest rates (pressuring NII and revenue), rising operating costs due to strategic investments and regulatory/portfolio-driven provisioning and RWA changes that create some capital uncertainty. Overall the positive business momentum, strong profitability and improved capital position outweigh the noted challenges and near-term pressures.Company Guidance
Record Annual Profit and Strong P&L
Net profit reached a record PLN 3.5 billion in 2025 (best year in mBank history); profit before tax exceeded PLN 5 billion; total income / revenue ~PLN 12.4–12.5 billion (company emphasized record revenue). Return on tangible equity reached 20.8% and ROE 17.9%; ROTE of core business excluding FX mortgages was 37.2%.
Business Volume and Market Share Gains
Loans increased by double-digits (cited as +10% by CEO; elsewhere core loan portfolio up over 9% YoY; core retail loans excluding FX mortgages expanded >13%). Deposits rose 14% YoY to PLN 229 billion. Household market share improved (household zones to 8.0% from 7.8%; mortgage zloty share to 8.9%; household deposits to 8.6%).
Record Sales Momentum Across Loan Products
Mortgage sales jumped 38% YoY to PLN 14.7 billion (record); sales of non-mortgage loans up ~21% YoY (record high); corporate new lending sales accelerated +23% to PLN 49 billion, with strong structured finance and renewable energy activity.
Strengthened Capital Position
Own funds increased ~19% YoY to ~PLN 20.7 billion; executed EUR 400 million Tier 2 issuance and synthetic securitizations. Total capital ratio (TCR) at 16.3% and capital buffers remained safely above regulatory minima (CET1 buffer cited ~4.7 percentage points).
Substantial Reduction in Swiss Franc Legal Risk
Number of settlements rose ~31% YoY to over 32,000 cases; pending court cases fell ~63% to less than 6,000. Legal risk provisions related to FX mortgages fell to PLN 2 billion in 2025 (less than half of 2024). Q4 FX legal risk cost was PLN 379 million (down from PLN 455 million in Q3).
Digital Product Innovation and Client Experience Improvements
Rolled out digital mortgage end-to-end in mobile app (credit decision in ~15 minutes); launched smart payments ring (first globally in cooperation with NiceBoy and Mastercard), supporting client acquisition and transactional growth.
High Efficiency Despite Investments
Full-year cost-to-income ratio was 31% (well below 35% strategic threshold); Q4 cost-to-income was 33.1% despite higher seasonal personnel and investment-related costs, demonstrating operational efficiency.
Stable Deposit Franchise and Low-Cost Funding
Total deposits reached PLN 229 billion (+14% YoY). Current account and savings inflows grew ~20% YoY, underpinning a stable low-cost funding base; corporate deposits rose nearly 10% YoY and corporate deposit market share remained near strategic threshold (around 10.3%).
PL:MBK Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
PL:MBK Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 10, 2026 | zł1084.50 | zł1070.00 | -1.34% |
Oct 30, 2025 | zł1044.00 | zł1017.50 | -2.54% |
Jul 31, 2025 | zł886.40 | zł888.60 | +0.25% |
Apr 30, 2025 | zł865.40 | zł823.00 | -4.90% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does mBank SA (PL:MBK) report earnings?
mBank SA (PL:MBK) is schdueled to report earning on May 06, 2026, TBA (Confirmed).
What is mBank SA (PL:MBK) earnings time?
mBank SA (PL:MBK) earnings time is at May 06, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of mBank SA stock?
The P/E ratio of mBank SA is N/A.
What is PL:MBK EPS forecast?
Currently, no data Available