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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 Q2 2026 was zł0.75. For the 2026 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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.11 16.10 0.23 0.24 0.14
Quick Ratio
 0.11 16.10 0.23 0.24 0.14
Cash Ratio
 0.11 11.18 0.22 0.23 0.13
Solvency Ratio
 0.02 0.02 0.01 <0.01 >-0.01
Operating Cash Flow Ratio
 >-0.01 0.76 >-0.01 0.10 0.05
Short-Term Operating Cash Flow Coverage
 0.00 1.14 0.00 0.00 0.00
Net Current Asset Value
zł -252.72Bzł -200.59Bzł -182.30Bzł -167.92Bzł -172.45B
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.08 0.07 0.07 0.07
Debt-to-Equity Ratio
 0.85 1.00 0.98 1.21 1.19
Debt-to-Capital Ratio
 0.46 0.50 0.50 0.55 0.54
Long-Term Debt-to-Capital Ratio
 0.46 0.46 0.50 0.55 0.54
Financial Leverage Ratio
 13.03 13.09 13.84 16.53 16.51
Debt Service Coverage Ratio
 1.02 0.61 0.58 0.09 -0.06
Interest Coverage Ratio
 1.35 1.10 0.60 0.16 -0.03
Debt to Market Cap
 0.32 0.46 0.75 0.75 1.20
Interest Debt Per Share
 566.28 612.74 527.41 534.77 434.38
Net Debt to EBITDA
 -1.34 -3.29 -7.32 -17.55 -20.23
Profitability Margins
Gross Profit Margin
69.62%63.56%70.87%64.96%70.84%
EBIT Margin
36.14%34.39%17.56%5.71%-0.94%
EBITDA Margin
39.38%39.02%21.18%8.85%3.41%
Operating Profit Margin
36.14%34.39%17.56%5.71%-0.94%
Pretax Profit Margin
36.14%34.39%17.56%5.71%-0.94%
Net Profit Margin
24.17%24.27%13.24%0.14%-6.13%
Continuous Operations Profit Margin
24.17%24.27%13.25%0.14%-6.13%
Net Income Per EBT
66.87%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)
1.28%1.26%0.91%0.01%-0.33%
Return on Equity (ROE)
17.78%16.55%12.63%0.18%-5.53%
Return on Capital Employed (ROCE)
10.96%1.81%6.64%2.36%-0.30%
Return on Invested Capital (ROIC)
7.33%1.27%5.01%0.06%-0.30%
Return on Tangible Assets
1.29%1.27%0.92%0.01%-0.34%
Earnings Yield
6.37%7.85%9.65%0.11%-5.60%
Efficiency Ratios
Receivables Turnover
 575.01 205.80 7.87 7.30 6.55
Payables Turnover
 1.98 3.48 3.58 4.36 2.66
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 11.91 10.26 11.59 11.47 7.72
Asset Turnover
 0.05 0.05 0.07 0.07 0.05
Working Capital Turnover Ratio
 -0.16 -0.29 -0.11 -0.12 -0.08
Cash Conversion Cycle
 -183.32 -102.98 -55.50 -33.74 -81.30
Days of Sales Outstanding
 0.63 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
 183.96 104.75 101.89 83.74 137.03
Operating Cycle
 0.63 1.77 46.39 50.00 55.73
Cash Flow Ratios
Operating Cash Flow Per Share
 -56.00 64.12 -36.11 462.06 188.34
Free Cash Flow Per Share
 -78.33 43.68 -57.37 445.04 175.06
CapEx Per Share
 22.32 20.44 21.26 17.03 13.28
Free Cash Flow to Operating Cash Flow
 1.40 0.68 1.59 0.96 0.93
Dividend Paid and CapEx Coverage Ratio
 -2.51 3.14 -1.70 27.14 14.18
Capital Expenditure Coverage Ratio
 -2.51 3.14 -1.70 27.14 14.18
Operating Cash Flow Coverage Ratio
 -0.12 0.13 -0.09 1.17 0.53
Operating Cash Flow to Sales Ratio
 -0.15 0.19 -0.09 1.15 0.70
Free Cash Flow Yield
-5.45%4.11%-10.48%84.77%59.14%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 15.70 12.74 10.36 921.05 -17.86
Price-to-Sales (P/S) Ratio
 3.80 3.09 1.37 1.30 1.10
Price-to-Book (P/B) Ratio
 2.62 2.11 1.31 1.61 0.99
Price-to-Free Cash Flow (P/FCF) Ratio
 -18.34 24.30 -9.54 1.18 1.69
Price-to-Operating Cash Flow Ratio
 -25.66 16.55 -15.15 1.14 1.57
Price-to-Earnings Growth (PEG) Ratio
 0.76 0.22 <0.01 -8.90 0.44
Price-to-Fair Value
 2.62 2.11 1.31 1.61 0.99
Enterprise Value Multiple
 8.29 4.63 -0.84 -2.81 11.90
Enterprise Value
 52.59B 26.36B -3.02B -4.23B 4.65B
EV to EBITDA
 8.29 4.63 -0.84 -2.81 11.90
EV to Sales
 3.27 1.81 -0.18 -0.25 0.41
EV to Free Cash Flow
 -15.79 14.20 1.24 -0.23 0.63
EV to Operating Cash Flow
 -22.08 9.67 1.97 -0.22 0.58
Tangible Book Value Per Share
 492.86 457.88 372.15 285.20 267.04
Shareholders’ Equity Per Share
 549.24 503.58 418.21 325.48 299.81
Tax and Other Ratios
Effective Tax Rate
 0.33 0.29 0.25 0.98 -5.50
Revenue Per Share
 378.55 343.44 398.67 402.65 270.25
Net Income Per Share
 91.50 83.35 52.80 0.57 -16.57
Tax Burden
 0.67 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
 -0.53 0.77 -0.52 20.09 -73.93
Currency in PLN