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mBank SA (PL:MBK)
:MBK
Poland Market

mBank SA (MBK) Ratios

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mBank SA Ratios

PL:MBK's free cash flow for Q3 2025 was zł0.00. For the 2025 fiscal year, PL:MBK's free cash flow was decreased by zł and operating cash flow was zł0.40. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 0.23 19.06 19.69 15.54
Quick Ratio
0.00 0.23 19.06 35.48 28.85
Cash Ratio
0.00 0.22 19.06 18.35 14.73
Solvency Ratio
0.02 0.01 <0.01 >-0.01 >-0.01
Operating Cash Flow Ratio
0.00 >-0.01 3.59 6.40 8.91
Short-Term Operating Cash Flow Coverage
-1.68 0.00 0.00 0.00 0.00
Net Current Asset Value
zł -241.11Bzł -182.30Bzł -170.24Bzł -172.48Bzł -166.97B
Leverage Ratios
Debt-to-Assets Ratio
0.08 0.07 0.08 0.07 0.09
Debt-to-Equity Ratio
0.96 0.98 1.27 1.19 1.38
Debt-to-Capital Ratio
0.49 0.50 0.56 0.54 0.58
Long-Term Debt-to-Capital Ratio
0.44 0.50 0.00 0.00 0.00
Financial Leverage Ratio
12.80 13.84 16.53 16.51 14.55
Debt Service Coverage Ratio
0.67 0.58 0.09 -0.18 -1.79
Interest Coverage Ratio
1.41 0.60 0.99 0.97 -1.80
Debt to Market Cap
0.43 0.75 0.00 0.00 0.00
Interest Debt Per Share
547.45 527.41 554.88 434.73 454.24
Net Debt to EBITDA
3.50 -7.32 -16.98 0.00 0.00
Profitability Margins
Gross Profit Margin
53.33%70.87%182.36%100.00%100.00%
EBIT Margin
28.86%17.56%9.71%-6.15%-7.44%
EBITDA Margin
31.69%21.18%15.05%0.00%0.00%
Operating Profit Margin
28.86%17.56%59.07%40.06%-9.38%
Pretax Profit Margin
26.25%17.56%9.71%-1.33%-9.38%
Net Profit Margin
19.68%13.24%0.24%-8.66%-18.71%
Continuous Operations Profit Margin
19.68%13.25%0.24%-8.66%-18.71%
Net Income Per EBT
74.96%75.44%2.48%650.37%199.45%
EBT Per EBIT
90.96%100.00%16.44%-3.33%100.01%
Return on Assets (ROA)
1.33%0.91%0.01%-0.33%-0.59%
Return on Equity (ROE)
18.30%12.63%0.18%-5.53%-8.59%
Return on Capital Employed (ROCE)
1.96%6.64%2.63%1.56%-0.30%
Return on Invested Capital (ROIC)
127.81%5.01%0.06%26.52%-1.58%
Return on Tangible Assets
1.34%0.92%0.01%-0.34%-0.59%
Earnings Yield
7.90%9.65%0.11%-5.60%-6.42%
Efficiency Ratios
Receivables Turnover
0.00 7.87 4.62 0.00 0.00
Payables Turnover
0.00 3.58 -6.03 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
12.92 11.59 6.75 5.46 4.08
Asset Turnover
0.07 0.07 0.04 0.04 0.03
Working Capital Turnover Ratio
-0.20 -0.11 0.31 0.39 0.48
Cash Conversion Cycle
0.00 -55.50 139.51 0.00 0.00
Days of Sales Outstanding
0.00 46.39 78.94 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 101.89 -60.56 0.00 0.00
Operating Cycle
0.00 46.39 78.94 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
-118.49 -36.11 191.64 189.30 254.99
Free Cash Flow Per Share
-139.67 -57.37 -5.15 176.02 241.08
CapEx Per Share
21.18 21.26 17.03 13.28 13.91
Free Cash Flow to Operating Cash Flow
1.18 1.59 -0.03 0.93 0.95
Dividend Paid and CapEx Coverage Ratio
-5.59 -1.70 11.26 14.25 18.33
Capital Expenditure Coverage Ratio
-5.59 -1.70 11.26 14.25 18.33
Operating Cash Flow Coverage Ratio
-0.26 -0.09 0.46 0.53 0.57
Operating Cash Flow to Sales Ratio
-0.28 -0.09 0.81 0.99 1.72
Free Cash Flow Yield
-13.46%-10.48%-0.98%59.47%55.65%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
12.66 10.36 921.05 -17.87 -15.57
Price-to-Sales (P/S) Ratio
2.49 1.37 2.22 1.55 2.91
Price-to-Book (P/B) Ratio
2.16 1.31 1.61 0.99 1.34
Price-to-Free Cash Flow (P/FCF) Ratio
-7.43 -9.54 -101.95 1.68 1.80
Price-to-Operating Cash Flow Ratio
-8.76 -15.15 2.74 1.56 1.70
Price-to-Earnings Growth (PEG) Ratio
1.55 <0.01 -8.90 0.44 0.01
Price-to-Fair Value
2.16 1.31 1.61 0.99 1.34
Enterprise Value Multiple
11.36 -0.84 -2.25 0.00 0.00
Enterprise Value
63.80B -3.02B -3.38B 4.61B 19.40B
EV to EBITDA
11.36 -0.84 -2.25 0.00 0.00
EV to Sales
3.60 -0.18 -0.34 0.57 3.08
EV to Free Cash Flow
-10.74 1.24 15.56 0.62 1.90
EV to Operating Cash Flow
-12.66 1.97 -0.42 0.57 1.80
Tangible Book Value Per Share
431.83 372.15 285.20 267.04 293.46
Shareholders’ Equity Per Share
480.41 418.21 325.48 299.81 323.72
Tax and Other Ratios
Effective Tax Rate
0.25 0.25 0.98 -5.50 -0.99
Revenue Per Share
416.81 398.67 236.84 191.22 148.66
Net Income Per Share
82.02 52.80 0.57 -16.57 -27.82
Tax Burden
0.75 0.75 0.02 6.50 1.99
Interest Burden
0.91 1.00 1.00 0.22 1.26
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.02 0.03 0.04 0.04 0.05
Stock-Based Compensation to Revenue
0.00 0.00 <0.01 <0.01 <0.01
Income Quality
-1.23 -0.52 336.21 -74.31 -18.28
Currency in PLN