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mBank SA

mBank SA

MBK · WAR · Financial Services / Banks - Regional

1,404.5PLN-23.50 (-1.65%)

Price History

Full chart

Market Stats

Previous Close1,428
Open1,418
Day Range1,404.5 – 1,439
52-Week Range893.6 – 1,550
Volume19.57K
Market Cap59.18B
P/E (TTM)15.22
Forward P/E9.30
EPS91.39
Dividend Yield0.00%
Beta0.61
50-Day Avg1,415.18
200-Day Avg1,230.46

About

mBank S.A. provides various banking and financial services in Poland, the Czech Republic, Slovakia, and internationally. The company provides retail, SME, corporate, and investment banking services. It offers banking services, such as personal, savings, currency, investment, and business accounts, as well as various deposits. It also provides debit and credit cards; cash, car, secured, and corporate and personal loans, as well as mortgages; pension, insurance, and stock exchange products; and transaction and mobile banking services. In addition, the company offers wealth management services, including portfolio management, investment advisory, investment funds, financial dealer, private broker, and other investment services, as well as succession services. Further, it provides currency exchange and hedging transactions, and forex forward services, as well as treasury and non-treasury bonds, and Eurobonds. Additionally, the company offers leasing, factoring, brokerage, payment gateway, and corporate finance services. The company was formerly known as BRE Bank S.A. and changed its name to mBank S.A. in November 2013. The company was incorporated in 1986 and is headquartered in Warsaw, Poland. mBank S.A. is a subsidiary of Commerzbank AG.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Cezary Kocik
  • Employees7.90K
  • Headquartersul. Prosta 18, Warsaw, Poland, 00-850, Poland
  • Websitehttps://www.mbank.pl

Leadership

  • Mr. Cezary KocikPresident of the Management Board & CEO · b. 1971
  • Mr. Krzysztof DabrowskiVP of the Management Board and Head of Operations & Information Technology
  • Mr. Adam PersVP of the Management Board and Head of Corporate & Investment Banking
  • Mr. Marek Lusztyn Ph.D.VP of the Management Board & Chief Risk Officer
  • Mr. Pascal RuhlandCFO & Vice President of Management Board
  • Mr. Krzysztof BratosVP of Management Board & Head of Retail Banking
  • Ms. Julia NusserVP of the Management Board and Chief People & Regulatory Officer
  • Ms. Joanna FilipkowskaHead of Investor Relations
  • Mr. Marcin MazurekChief Economist
  • Mr. Karol PrazmoManaging Director for Treasury & Investor Relations · b. 1980

Financials

Income Statement

Line item2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue2.11B1.55B2.36B2.38B2.06B3.66B2.32B4.82B4.94B5.30B5.90B5.46B5.50B5.10B5.53B5.45B5.78B6.26B6.58B6.61B11.46B16.99B16.94B14.60B
Cost of Revenue1.26B873.57M862.73M918.28M795.01M1.33B2.24B1.80B1.61B1.72B2.24B1.72B1.47B1.15B1.04B916.41M1.02B910.16M679.05M327.69M3.34B5.95B4.93B5.32B
Gross Profit847.67M675.45M1.50B1.46B1.27B2.33B77.39M3.02B3.33B3.58B3.66B3.74B4.03B3.95B4.49B4.54B4.76B5.35B5.90B6.28B8.12B11.04B12.00B9.28B
Operating Income-413.51M63.50M-237.33M337.96M406.37M845.55M867.15M209.39M872.51M1.47B1.46B1.52B1.65B1.62B1.64B1.53B1.79B1.48B609.73M-591.03M-108.02M970.59M2.97B5.02B
EBITDA-244.54M245.23M-88.59M477.58M406.37M1.02B1.07B468.75M1.11B1.72B1.71B1.76B1.89B1.86B1.91B1.80B2.09B1.81B1.08B-122.45M390.68M1.50B3.59B5.70B
Net Income-370.39M13.68M10.03M-278.43M324.19M747.62M889.34M130.52M641.60M1.13B1.20B1.21B1.29B1.30B1.22B1.09B1.30B980.98M103.83M-1.18B-702.69M24.05M2.24B3.54B
Interest Expense1.26B873.57M862.73M918.28M795.01M1.33B2.24B1.80B1.61B1.72B2.24B1.72B1.47B1.15B1.04B916.41M1.02B910.16M679.05M327.69M3.34B5.95B4.93B4.57B

Balance Sheet

Line item2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets27.43B30.54B32.72B32.74B36.86B48.41B82.61B81.02B90.04B98.79B102.14B104.28B117.99B123.52B133.74B131.30B145.78B149.23B178.87B198.37B209.89B226.98B245.96B280.25B
Total Liabilities25.73B28.84B30.80B30.64B34.51B45.33B78.56B76.75B82.96B90.80B92.53B94.03B106.91B111.25B120.69B117.33B130.61B133.11B162.20B184.66B197.18B213.24B228.19B258.54B
Total Equity1.58B1.58B1.86B2.04B2.35B3.08B3.89B4.12B6.91B7.96B9.59B10.23B11.04B12.24B13.02B13.96B15.17B16.12B16.67B13.72B12.71B13.74B17.77B21.41B
Cash365.82M473.98M734.69M1.78B3.71B2.00B2.51B3.79B2.36B1.04B6.79B3.31B4.02B6.51B11.51B7.38B9.90B14.46B8.64B12.54B22.98B43.00B43.74B40.25B
Total Debt2.58B4.55B4.13B4.09B1.55B1.70B4.46B4.05B4.38B5.19B28.14B25.96B29.03B25.78B27.77B16.48B24.73B9.50B20.60B17.01B15.08B16.61B17.47B21.48B
Net Debt2.22B4.08B3.40B2.32B-2.16B-299.79M1.95B260.90M2.02B4.15B21.35B22.65B25.01B19.27B16.26B9.10B14.83B-4.96B11.97B4.47B-7.90B-26.38B-26.26B-18.77B

Cash Flow

Line item2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-1.56B2.44B475.34M-2.16B-1.94B-5.46B-7.91B-670.75M-1.64B1.59B3.55B-871.52M481.92M6.99B8.36B-2.86B1.13B-723.62M1.33B10.80B7.99B19.50B-1.53B2.73B
Investing Cash Flow-29.32M54.19M347.56M-95.26M-268.24M-136.69M403.44M-126.83M-134.12M-187.37M-216.34M-146.97M-196.31M291.20M-136.97M-409.41M41.76M-114.73M-444.35M-508.01M-495.74M-614.87M-855.61M-28.58B
Financing Cash Flow1.27B1.14B878.02M378.59M3.02B4.03B8.53B-983.42M737.50M-2.52B-400.98M-2.85B721.17M-5.32B135.32M-1.87B-388.78M-797.39M-4.94B-1.99B-3.78B1.57B2.37B29.66B
Capital Expenditure191.84M172.06M203.41M075.02M285.46M378.23M259.57M239.73M306.24M266.85M216.49M251.30M342.94M375.63M461.34M558.57M305.91M552.49M589.40M563.11M718.50M903.16M869.12M
Free Cash Flow-1.75B2.27B271.92M-2.16B-2.01B-5.74B-8.29B-930.32M-1.88B1.29B3.28B-1.09B230.62M6.65B7.98B-3.32B574.17M-1.03B775.52M10.21B7.42B18.78B-2.44B1.86B
Dividends Paid-----10.09M12.27M3.19M2.27M6.98M-421.42M716.98M-8.15M5.49M217.91M-------

Earnings

Report DateJun 30, 2002Sep 30, 2002Dec 31, 2002Feb 7, 2005Oct 28, 2005Feb 1, 2006Aug 2, 2006Oct 27, 2006Jan 31, 2007Apr 27, 2007Jul 31, 2007Oct 29, 2007Jan 31, 2008May 6, 2008Jul 31, 2008Oct 30, 2008Feb 3, 2009Apr 29, 2009Aug 6, 2009Nov 4, 2009Feb 9, 2010Apr 28, 2010Aug 4, 2010Nov 4, 2010Feb 9, 2011Apr 28, 2011Aug 3, 2011Nov 4, 2011Feb 8, 2012May 8, 2012Aug 2, 2012Oct 30, 2012Feb 8, 2013Apr 30, 2013Aug 1, 2013Oct 31, 2013Feb 6, 2014Apr 28, 2014Jul 30, 2014Oct 30, 2014Feb 5, 2015Apr 29, 2015Jul 30, 2015Oct 29, 2015Feb 4, 2016Apr 28, 2016Jul 28, 2016Oct 26, 2016Feb 8, 2017Apr 27, 2017Jul 27, 2017Oct 26, 2017Feb 8, 2018May 10, 2018Jul 31, 2018Oct 30, 2018Feb 7, 2019Apr 30, 2019Aug 1, 2019Oct 31, 2019Feb 6, 2020Apr 30, 2020Jul 30, 2020Oct 29, 2020Feb 9, 2021Apr 29, 2021Aug 3, 2021Nov 3, 2021Feb 8, 2022May 11, 2022Aug 3, 2022Nov 8, 2022Feb 9, 2023Apr 28, 2023Aug 2, 2023Oct 31, 2023Feb 28, 2024May 10, 2024Jul 31, 2024Oct 30, 2024Feb 5, 2025Apr 29, 2025Jul 31, 2025Oct 30, 2025Feb 10, 2026Apr 30, 2026Jul 30, 2026Oct 28, 2026
EPS Estimate---1.552.302.202.902.803.70--7.407.409.109.109.107.29--0.272.545.354.253.694.155.406.156.184.736.455.576.585.856.666.266.246.347.207.607.727.668.275.506.097.996.10-----6.507.309.50-6.50--------------------23.30-----------
EPS Actual-3.431.02-11.39-15.491.941.639.764.253.756.625.395.544.8011.829.766.82-0.642.29-1.832.442.373.883.795.925.335.457.437.306.767.857.586.656.467.686.466.637.848.007.697.487.309.026.897.577.327.289.185.456.915.176.386.897.369.716.796.747.853.877.838.362.742.152.052.37-4.127.492.560.63-38.4312.065.41-53.7319.643.36-0.36-1.95-0.476.179.9313.4823.2016.5822.5519.6624.4922.3824.90-
Surprise----1099.35%-15.65%-25.91%236.55%51.79%1.35%---25.14%-35.14%29.89%7.25%-25.05%-108.78%--803.70%-6.69%-27.48%-10.82%60.43%28.43%0.93%20.81%18.12%42.92%21.71%36.09%1.06%10.43%15.32%3.19%6.25%23.66%11.11%1.18%-3.11%-4.70%9.07%25.27%24.30%-8.39%19.34%-----6.00%0.82%2.21%-3.69%---------------------102.02%-----------
Timing---Pre-marketPre-marketPre-marketPre-marketPre-marketPre-market--Pre-marketPre-marketPre-marketPre-marketPre-marketPre-market--Pre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market--Pre-marketPre-market--Pre-market-Pre-market-Pre-market-Pre-market--Pre-market--Pre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap59.18B
Enterprise Value55.14B
Trailing P/E15.22
Forward P/E9.30
PEG Ratio0.50
Price / Sales4.92
Price / Book2.75
EPS91.39
Book Value549.03
Revenue (TTM)12.04B
Gross Profit (TTM)12.04B
Profit Margin32.33%
Operating Margin59.73%
Return on Equity18.15%
Return on Assets1.39%
Shares Outstanding42.55M
Shares Float13.16M
Beta0.61
Dividend Yield0.00%
Dividend Rate0
Payout Ratio0.00%

Dividends

20181×
5.15May 23, 2018
20141×
17.00Apr 30, 2014
20131×
10.00May 13, 2013
20021×
8.68Jul 15, 2002
20011×
4.34May 28, 2001
20001×
6.94Jun 28, 2000
19991×
2.60Jun 17, 1999
19981×
2.60Jun 19, 1998
19971×
2.59Jun 20, 1997
19961×
0.86Apr 17, 1996
19951×
0.86Apr 7, 1995

Stock Splits

  • May 14, 2010930:821
  • May 26, 2004175:172
  • Jun 9, 19981080:1073