mBank stock
MBK.WAWSEmBank S.A., Financial ServicesISIN PLBRE0000012
77Score 77 out of 100, Strong
Price and trend
78 / 100
Price history
+66% in one yearThe chart shows daily closes over 19 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 35% above it.
Since February 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Overheated: the price has risen very quickly lately (RSI 84).
The price is at its 52-week high. Largest decline in 19 years: 85% (October 2007 to March 2009).
Chart figures for advanced users
- SMA 50$374.22
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$326.43
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)84
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$235.72
- The lowest closing price of the last twelve months.
- Resistance$439.08
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- mBank S.A. belongs to the Banks (Regional) industry (Poland) and, with a market value of $18.68B, is number 76 of 420 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $891.64M (up 58% year on year).
- MEQIRI Score 77 out of 100 (Strong): rank 159 of 975 in Financial Services, median 68.
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- The P/E is 18 (Banks (Regional) median 12.2, own median of recent years 13.6).
- Our model puts fair value at $299.11, with the price 47% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 102.5% a year since 2020.Growth 100
- High return on equityReturn on equity 18.4% over the last 12 months.Profitability 68
Weaknesses
- Above fair valuePrice 47% above the fair value of $299.11.Valuation 46
- Richly valuedP/E 18, Banks (Regional) median 12.2, own median 13.6.Valuation 46
Its standout strengths are growth and momentum, while valuation holds the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among stocks ranked 101 to 1,000.
From 2016 to 2025, 13 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
- price up very strongly over the past year
What lowers it
- calm price action
- price near its 52-week high
- stable momentum
Valuation
Valuation signal
Significantly overvaluedIn our model the price counts as cheap below $230.09 and expensive above $427.31 (uncertainty medium, based on the price swings of the past year).
Valuation metrics
From earnings times the industry P/E (12.2) alone; there are no viable cash flows for the cash-flow model.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 4.7% on the twelve months before. Revenue has grown strongly since 2008, at around 33% per year. From 2008 revenue only includes continuing operations, sold or discontinued divisions have been reclassified. Earlier years are not comparable and not shown, and the margins for 2008 are not measured.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 50%, net 35%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. From 2008 revenue only includes continuing operations, sold or discontinued divisions have been reclassified. Earlier years are not comparable and not shown, and the margins for 2008 are not measured.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 4 Feb 2027in 83 days
- Last reported
- 28 Oct 2026EPS reported $7.59
Analyst estimates
Earnings estimates have barely changed since 25 Oct 2026.
- Earnings per share
- $25.18+0.7%
- Revenue
- $3.23B+1.4%
- Earnings per share
- $30.97+2.3%
- Revenue
- $3.56B+2.1%
MEQIRI has stored the estimates since 25 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +10.9%mBank raised its 2026 cost-to-income guidance positively to stay below 33%, confirmed cost of risk at around 55 basis points, expects full year revenue about 2% above 2025, and sees the net interest margin improving further in Q4.
“In September, we received a non-objection from the Polish FSA and the implementation, therefore, is planned for Q4 2026 and is expected to reduce risk-weighted assets by approximately PLN 10 billion in Q4.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 28 Oct 2026 (fiscal Q3 2026), read by AI.
What happened at mBank
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 77
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Bank of Beijing601169.SS $19.06B58
- Banco Comercial PortuguêsBCP.LS $18.87B75
- Bank of Hangzhou600926.SS $18.76B73
- First Financial Holding2892.TW $18.69B68
- East West BancorpEWBC $17.97B81
- Bank of Shanghai601229.SS $17.89B51
- Bank Polska Kasa OpiekiPEO.WA $17.73B85
- Punjab National BankPNB.NS $17.32B73
ETFs that hold mBank
Held by 50 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares MSCI Poland UCITS ETFIBCJ | 3.90% | 0.74% | €998.89M |
| Expat Poland WIG20 UCITS ETFPLX | 3.81% | 6.80% | €1.83M |
| iShares STOXX Europe Small 200 UCITS ETF (DE)EXSE | 0.70% | 0.20% | €632.25M |
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| iShares STOXX Europe 600 Banks UCITS ETF (DE)EXV1 | 0.25% | 0.46% | €2.98B |
| Amundi MSCI Emerging Markets SRI Climate Paris Aligned UCITS ETF DR (C)AMEI | 0.17% | 0.25% | €2.64B |
| iShares MSCI EM SRI UCITS ETF36B5 | 0.16% | 0.25% | €496.05M |
| WisdomTree Emerging Markets ex-State Owned Enterprises UCITS ETF AccumUSDXSOE | 0.11% | 0.32% | €17.98M |
| Xtrackers MSCI Emerging Markets ESG UCITS ETF 1CXZEM | 0.11% | 0.25% | €1.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = PLN 3.9742)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 27 Jun 2025)
- Valuation signal Overvalued since 13 Nov 2026, previously Fairly valued
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.