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

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mBank SA Ratios

PL:MBK's free cash flow for Q2 2025 was zł0.73. For the 2025 fiscal year, PL:MBK's free cash flow was decreased by zł and operating cash flow was zł0.33. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.15 19.06 19.69 15.54 9.39
Quick Ratio
0.15 19.06 35.48 28.85 16.47
Cash Ratio
0.14 19.06 18.35 14.73 8.65
Solvency Ratio
0.02 <0.01 >-0.01 >-0.01 <0.01
Operating Cash Flow Ratio
-0.08 3.59 6.40 8.91 -2.68
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
zł -204.87Bzł -170.24Bzł -172.48Bzł -166.97Bzł -145.97B
Leverage Ratios
Debt-to-Assets Ratio
0.07 0.08 0.07 0.09 0.08
Debt-to-Equity Ratio
0.91 1.27 1.19 1.38 0.78
Debt-to-Capital Ratio
0.48 0.56 0.54 0.58 0.44
Long-Term Debt-to-Capital Ratio
0.48 0.00 0.00 0.00 0.00
Financial Leverage Ratio
13.13 16.53 16.51 14.55 10.45
Debt Service Coverage Ratio
0.35 0.09 -0.18 -1.79 -0.83
Interest Coverage Ratio
1.48 0.99 0.97 -1.80 0.99
Debt to Market Cap
0.40 0.00 0.00 0.00 0.00
Interest Debt Per Share
533.26 554.88 434.73 454.24 318.67
Net Debt to EBITDA
-4.22 -16.98 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
92.81%182.36%100.00%100.00%100.00%
EBIT Margin
15.42%9.71%-6.15%-7.44%-8.69%
EBITDA Margin
20.11%15.05%0.00%0.00%0.00%
Operating Profit Margin
52.61%59.07%40.06%-9.38%10.67%
Pretax Profit Margin
31.16%9.71%-1.33%-9.38%10.67%
Net Profit Margin
23.67%0.24%-8.66%-18.71%1.93%
Continuous Operations Profit Margin
23.67%0.24%-8.66%-18.71%1.93%
Net Income Per EBT
75.96%2.48%650.37%199.45%18.12%
EBT Per EBIT
59.23%16.44%-3.33%100.01%100.00%
Return on Assets (ROA)
1.26%0.01%-0.33%-0.59%0.06%
Return on Equity (ROE)
18.12%0.18%-5.53%-8.59%0.63%
Return on Capital Employed (ROCE)
14.28%2.63%1.56%-0.30%0.34%
Return on Invested Capital (ROIC)
10.84%0.06%26.52%-1.58%0.15%
Return on Tangible Assets
1.27%0.01%-0.34%-0.59%0.06%
Earnings Yield
7.25%0.11%-5.60%-6.42%1.37%
Efficiency Ratios
Receivables Turnover
5.61 4.62 0.00 0.00 0.00
Payables Turnover
5.28 -6.03 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
9.77 6.75 5.46 4.08 4.31
Asset Turnover
0.05 0.04 0.04 0.03 0.03
Working Capital Turnover Ratio
-0.08 0.31 0.39 0.48 0.65
Cash Conversion Cycle
-4.12 139.51 0.00 0.00 0.00
Days of Sales Outstanding
65.04 78.94 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
69.16 -60.56 0.00 0.00 0.00
Operating Cycle
65.04 78.94 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
-381.08 191.64 189.30 254.99 -64.60
Free Cash Flow Per Share
-402.14 -5.15 176.02 241.08 -74.14
CapEx Per Share
21.06 17.03 13.28 13.91 9.54
Free Cash Flow to Operating Cash Flow
1.06 -0.03 0.93 0.95 1.15
Dividend Paid and CapEx Coverage Ratio
-18.09 11.26 14.25 18.33 -6.04
Capital Expenditure Coverage Ratio
-18.09 11.26 14.25 18.33 -6.77
Operating Cash Flow Coverage Ratio
-0.91 0.46 0.53 0.57 -0.21
Operating Cash Flow to Sales Ratio
-1.19 0.81 0.99 1.72 -0.51
Free Cash Flow Yield
-38.41%-0.98%59.47%55.65%-41.37%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
13.80 921.05 -17.87 -15.57 73.10
Price-to-Sales (P/S) Ratio
3.27 2.22 1.55 2.91 1.41
Price-to-Book (P/B) Ratio
2.28 1.61 0.99 1.34 0.46
Price-to-Free Cash Flow (P/FCF) Ratio
-2.60 -101.95 1.68 1.80 -2.42
Price-to-Operating Cash Flow Ratio
-2.75 2.74 1.56 1.70 -2.77
Price-to-Earnings Growth (PEG) Ratio
0.69 -8.90 0.44 0.01 -0.81
Price-to-Fair Value
2.28 1.61 0.99 1.34 0.46
Enterprise Value Multiple
12.03 -2.25 0.00 0.00 0.00
Enterprise Value
32.95B -3.38B 4.61B 19.40B 11.68B
EV to EBITDA
12.03 -2.25 0.00 0.00 0.00
EV to Sales
2.42 -0.34 0.57 3.08 2.18
EV to Free Cash Flow
-1.93 15.56 0.62 1.90 -3.72
EV to Operating Cash Flow
-2.03 -0.42 0.57 1.80 -4.27
Tangible Book Value Per Share
411.40 285.20 267.04 293.46 364.86
Shareholders’ Equity Per Share
459.06 325.48 299.81 323.72 388.80
Tax and Other Ratios
Effective Tax Rate
0.24 0.98 -5.50 -0.99 0.84
Revenue Per Share
320.44 236.84 191.22 148.66 126.80
Net Income Per Share
75.85 0.57 -16.57 -27.82 2.45
Tax Burden
0.76 0.02 6.50 1.99 0.18
Interest Burden
2.02 1.00 0.22 1.26 -1.23
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.04 0.04 0.04 0.05 0.06
Stock-Based Compensation to Revenue
0.00 <0.01 <0.01 <0.01 <0.01
Income Quality
-3.69 336.21 -74.31 -18.28 -4.78
Currency in PLN
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