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mBank SA (PL:MBK)
:MBK
Poland Market
MBK
mBank SA
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mBank SA (MBK) Ratios

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mBank SA Ratios

PL:MBK's free cash flow for Q1 2026 was zł0.73. For the 2026 fiscal year, PL:MBK's free cash flow was decreased by zł and operating cash flow was zł0.35. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 10.15 16.10 0.23 0.24 0.14
Quick Ratio
 10.15 16.10 0.23 0.24 0.14
Cash Ratio
 10.15 11.18 0.22 0.23 0.13
Solvency Ratio
 0.02 0.01 0.01 <0.01 >-0.01
Operating Cash Flow Ratio
 1.88 0.76 >-0.01 0.10 0.05
Short-Term Operating Cash Flow Coverage
 1.88 1.14 0.00 0.00 0.00
Net Current Asset Value
zł -244.68Bzł -200.59Bzł -182.30Bzł -167.92Bzł -172.45B
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.08 0.07 0.07 0.07
Debt-to-Equity Ratio
 1.02 1.00 0.98 1.21 1.19
Debt-to-Capital Ratio
 0.51 0.50 0.50 0.55 0.54
Long-Term Debt-to-Capital Ratio
 0.47 0.46 0.50 0.55 0.54
Financial Leverage Ratio
 13.01 13.09 13.84 16.53 16.51
Debt Service Coverage Ratio
 0.61 0.51 0.58 0.09 -0.06
Interest Coverage Ratio
 1.26 1.10 0.60 0.16 -0.03
Debt to Market Cap
 0.45 0.46 0.75 0.75 1.20
Interest Debt Per Share
 640.87 612.74 527.41 534.77 434.38
Net Debt to EBITDA
 -0.12 -3.74 -7.32 -17.55 -20.23
Profitability Margins
Gross Profit Margin
69.26%63.56%70.87%64.96%70.84%
EBIT Margin
34.21%34.39%17.56%5.71%-0.94%
EBITDA Margin
36.27%34.39%21.18%8.85%3.41%
Operating Profit Margin
34.21%34.39%17.56%5.71%-0.94%
Pretax Profit Margin
34.21%34.39%17.56%5.71%-0.94%
Net Profit Margin
23.33%24.27%13.24%0.14%-6.13%
Continuous Operations Profit Margin
23.33%24.27%13.25%0.14%-6.13%
Net Income Per EBT
68.19%70.58%75.44%2.48%650.53%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.30%1.26%0.91%0.01%-0.33%
Return on Equity (ROE)
18.12%16.55%12.63%0.18%-5.53%
Return on Capital Employed (ROCE)
1.93%1.81%6.64%2.36%-0.30%
Return on Invested Capital (ROIC)
1.30%1.27%5.01%0.06%-0.30%
Return on Tangible Assets
1.32%1.27%0.92%0.01%-0.34%
Earnings Yield
7.76%7.85%9.65%0.11%-5.60%
Efficiency Ratios
Receivables Turnover
 0.00 205.80 7.87 7.30 6.55
Payables Turnover
 0.00 3.48 3.58 4.36 2.66
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 11.87 10.26 11.59 11.47 7.72
Asset Turnover
 0.06 0.05 0.07 0.07 0.05
Working Capital Turnover Ratio
 0.52 -0.29 -0.11 -0.12 -0.08
Cash Conversion Cycle
 0.00 -102.98 -55.50 -33.74 -81.30
Days of Sales Outstanding
 0.00 1.77 46.39 50.00 55.73
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 104.75 101.89 83.74 137.03
Operating Cycle
 0.00 1.77 46.39 50.00 55.73
Cash Flow Ratios
Operating Cash Flow Per Share
 102.76 64.12 -36.11 462.06 188.34
Free Cash Flow Per Share
 80.30 43.68 -57.37 445.04 175.06
CapEx Per Share
 22.46 20.44 21.26 17.03 13.28
Free Cash Flow to Operating Cash Flow
 0.78 0.68 1.59 0.96 0.93
Dividend Paid and CapEx Coverage Ratio
 4.57 3.14 -1.70 27.14 14.18
Capital Expenditure Coverage Ratio
 4.57 3.14 -1.70 27.14 14.18
Operating Cash Flow Coverage Ratio
 0.19 0.13 -0.09 1.17 0.53
Operating Cash Flow to Sales Ratio
 0.27 0.19 -0.09 1.15 0.70
Free Cash Flow Yield
6.99%4.11%-10.48%84.77%59.14%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.88 12.74 10.36 921.05 -17.86
Price-to-Sales (P/S) Ratio
 3.01 3.09 1.37 1.30 1.10
Price-to-Book (P/B) Ratio
 2.19 2.11 1.31 1.61 0.99
Price-to-Free Cash Flow (P/FCF) Ratio
 14.30 24.30 -9.54 1.18 1.69
Price-to-Operating Cash Flow Ratio
 11.18 16.55 -15.15 1.14 1.57
Price-to-Earnings Growth (PEG) Ratio
 0.31 0.22 <0.01 -8.90 0.44
Price-to-Fair Value
 2.19 2.11 1.31 1.61 0.99
Enterprise Value Multiple
 8.16 5.25 -0.84 -2.81 11.90
Enterprise Value
 48.13B 26.36B -3.02B -4.23B 4.65B
EV to EBITDA
 8.16 5.25 -0.84 -2.81 11.90
EV to Sales
 2.96 1.81 -0.18 -0.25 0.41
EV to Free Cash Flow
 14.09 14.20 1.24 -0.23 0.63
EV to Operating Cash Flow
 11.01 9.67 1.97 -0.22 0.58
Tangible Book Value Per Share
 471.62 457.88 372.15 285.20 267.04
Shareholders’ Equity Per Share
 525.07 503.58 418.21 325.48 299.81
Tax and Other Ratios
Effective Tax Rate
 0.32 0.29 0.25 0.98 -5.50
Revenue Per Share
 382.16 343.44 398.67 402.65 270.25
Net Income Per Share
 89.14 83.35 52.80 0.57 -16.57
Tax Burden
 0.68 0.71 0.75 0.02 6.51
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.10 0.12 0.04 0.02 0.05
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 1.15 0.77 -0.52 20.09 -73.93
Currency in PLN