mBank SA (MBK) Ratios
mBank SA Ratios
PL:MBK's free cash flow for Q3 2026 was $596.00M. For the 2026 fiscal year, PL:MBK's free cash flow was decreased by $-250.00M and operating cash flow was $846.00M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 16.10 | 0.23 | 0.24 | 0.14 | 0.08 |
| Quick Ratio | 16.10 | 0.23 | 0.24 | 0.14 | 0.08 |
| Cash Ratio | 11.18 | 0.22 | 0.23 | 0.13 | 0.08 |
| Solvency Ratio | 0.02 | 0.01 | 0.00 | -0.00 | -0.00 |
| Operating Cash Flow Ratio | 0.76 | -0.01 | 0.10 | 0.05 | 0.07 |
| Short-Term Operating Cash Flow Coverage | 1.14 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -200.59B | $ -182.30B | $ -167.92B | $ -172.45B | $ -170.76B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.08 | 0.07 | 0.07 | 0.07 | 0.09 |
| Debt-to-Equity Ratio | 1.00 | 0.98 | 1.21 | 1.19 | 1.24 |
| Debt-to-Capital Ratio | 0.50 | 0.50 | 0.55 | 0.54 | 0.55 |
| Long-Term Debt-to-Capital Ratio | 0.46 | 0.50 | 0.55 | 0.54 | 0.55 |
| Financial Leverage Ratio | 13.09 | 13.84 | 16.53 | 16.51 | 14.46 |
| Debt Service Coverage Ratio | 0.61 | 0.58 | 0.09 | -0.06 | -2.17 |
| Interest Coverage Ratio | 1.10 | 0.60 | 0.16 | -0.03 | -1.80 |
| Debt to Market Cap | 0.46 | 0.75 | 0.75 | 1.20 | 0.93 |
| Interest Debt Per Share | 612.74 | 527.41 | 534.77 | 434.38 | 409.22 |
| Net Debt to EBITDA | -3.29 | -7.32 | -17.55 | -20.23 | -36.51 |
| Profitability Margins | |||||
| Gross Profit Margin | 63.56% | 70.87% | 64.96% | 70.84% | 95.04% |
| EBIT Margin | 34.39% | 17.56% | 5.71% | -0.94% | -8.94% |
| EBITDA Margin | 39.02% | 21.18% | 8.85% | 3.41% | -1.85% |
| Operating Profit Margin | 34.39% | 17.56% | 5.71% | -0.94% | -8.94% |
| Pretax Profit Margin | 34.39% | 17.56% | 5.71% | -0.94% | -8.94% |
| Net Profit Margin | 24.27% | 13.24% | 0.14% | -6.13% | -17.83% |
| Continuous Operations Profit Margin | 24.27% | 13.25% | 0.14% | -6.13% | -17.83% |
| Net Income Per EBT | 70.58% | 75.44% | 2.48% | 650.53% | 199.44% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.26% | 0.91% | 0.01% | -0.33% | -0.59% |
| Return on Equity (ROE) | 16.55% | 12.63% | 0.18% | -5.53% | -8.59% |
| Return on Capital Employed (ROCE) | 1.81% | 6.64% | 2.36% | -0.30% | -1.80% |
| Return on Invested Capital (ROIC) | 1.27% | 5.01% | 0.06% | -0.30% | -1.80% |
| Return on Tangible Assets | 1.27% | 0.92% | 0.01% | -0.34% | -0.60% |
| Earnings Yield | 7.85% | 9.65% | 0.11% | -5.60% | -6.42% |
| Efficiency Ratios | |||||
| Receivables Turnover | 205.80 | 7.87 | 7.30 | 6.55 | 4.86 |
| Payables Turnover | 3.48 | 3.58 | 4.36 | 2.66 | 0.27 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 10.26 | 11.59 | 11.47 | 7.72 | 4.29 |
| Asset Turnover | 0.05 | 0.07 | 0.07 | 0.05 | 0.03 |
| Working Capital Turnover Ratio | -0.29 | -0.11 | -0.12 | -0.08 | -0.05 |
| Cash Conversion Cycle | -102.98 | -55.50 | -33.74 | -81.30 | -1276.33 |
| Days of Sales Outstanding | 1.77 | 46.39 | 50.00 | 55.73 | 75.03 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 104.75 | 101.89 | 83.74 | 137.03 | 1351.36 |
| Operating Cycle | 1.77 | 46.39 | 50.00 | 55.73 | 75.03 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 64.12 | -36.11 | 462.06 | 188.34 | 254.99 |
| Free Cash Flow Per Share | 43.68 | -57.37 | 445.04 | 175.06 | 241.08 |
| Dividend Paid and CapEx Coverage Ratio | 3.14 | -1.70 | 27.14 | 14.18 | 18.33 |
| Capital Expenditure Coverage Ratio | 3.14 | -1.70 | 27.14 | 14.18 | 18.33 |
| Operating Cash Flow Coverage Ratio | 0.13 | -0.09 | 1.17 | 0.53 | 0.64 |
| Operating Cash Flow to Sales Ratio | 0.19 | -0.09 | 1.15 | 0.70 | 1.63 |
| Free Cash Flow Yield | 4.11% | -10.48% | 84.77% | 59.14% | 55.65% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.74 | 10.36 | 921.05 | -17.86 | -15.57 |
| Price-to-Sales (P/S) Ratio | 3.09 | 1.37 | 1.30 | 1.10 | 2.78 |
| Price-to-Book (P/B) Ratio | 2.11 | 1.31 | 1.61 | 0.99 | 1.34 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 24.30 | -9.54 | 1.18 | 1.69 | 1.80 |
| Price-to-Operating Cash Flow Ratio | 16.55 | -15.15 | 1.14 | 1.57 | 1.70 |
| Price-to-Earnings Growth (PEG) Ratio | 0.22 | 0.00 | -8.90 | 0.44 | 0.01 |
| Enterprise Value Multiple | 4.63 | -0.84 | -2.81 | 11.90 | -186.41 |
| Enterprise Value | 26.36B | -3.02B | -4.23B | 4.65B | 22.83B |
| EV to EBITDA | 4.63 | -0.84 | -2.81 | 11.90 | -186.41 |
| EV to Sales | 1.81 | -0.18 | -0.25 | 0.41 | 3.45 |
| EV to Free Cash Flow | 14.20 | 1.24 | -0.23 | 0.63 | 2.23 |
| EV to Operating Cash Flow | 9.67 | 1.97 | -0.22 | 0.58 | 2.11 |
| Tangible Book Value Per Share | 457.88 | 372.15 | 285.20 | 267.04 | 293.46 |
| Shareholders’ Equity Per Share | 503.58 | 418.21 | 325.48 | 299.81 | 323.72 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.29 | 0.25 | 0.98 | -5.50 | -0.99 |
| Revenue Per Share | 343.44 | 398.67 | 402.65 | 270.25 | 156.01 |
| Net Income Per Share | 83.35 | 52.80 | 0.57 | -16.57 | -27.82 |
| Tax Burden | 0.71 | 0.75 | 0.02 | 6.51 | 1.99 |
| 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 | 0.12 | 0.04 | 0.02 | 0.05 | 0.05 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.77 | -0.52 | 20.09 | -73.93 | -18.28 |
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