mBank Crescita futura
Criteri Future verificati 3/6
mBank prevede che gli utili e i ricavi cresceranno rispettivamente di 16.4% e 6.2% all'anno. Si prevede che l'EPS crescerà di 10.5% all'anno. Si prevede che il ritorno sul capitale proprio sarà di 19.8% in 3 anni.
Informazioni chiave
16.4%
Tasso di crescita degli utili
10.52%
Tasso di crescita dell'EPS
| Banks crescita degli utili | 7.8% |
| Tasso di crescita dei ricavi | 6.2% |
| Rendimento futuro del capitale proprio | 19.81% |
| Copertura analitica | Good |
| Ultimo aggiornamento | 30 Apr 2026 |
Aggiornamenti recenti sulla crescita futura
Recent updates
Aggiornamento della narrazione • May 14
MBK: Firmer Profitability And Slightly Lower Future P/E Will Support Fair Value
Analysts have nudged their fair value estimate for mBank slightly higher from PLN 1,222.70 to PLN 1,224.00, citing updated assumptions on revenue growth, profit margins, and future P/E expectations. Valuation Changes Fair Value: PLN 1,222.70 to PLN 1,224.00, a very small upward adjustment in the intrinsic value estimate.
Aggiornamento della narrazione • Apr 21
MBK: Rich P/E And Softer Growth Assumptions Will Pressure Future Returns
Analysts have kept their PLN 841.40 price target for mBank unchanged, citing slightly adjusted assumptions for the discount rate, revenue growth, profit margin, and future P/E that broadly offset each other in their models. Valuation Changes Fair Value: PLN 841.40 fair value estimate is unchanged, indicating no shift in the overall valuation outcome.
Aggiornamento della narrazione • Apr 07
MBK: Stable Assumptions And Slightly Lower Discount Rate Will Sustain Overvaluation
Analysts have kept mBank's fair value unchanged at PLN 1,013.18, with minor adjustments to the discount rate and future P/E assumptions supporting a stable overall price target view. Valuation Changes Fair Value: PLN 1,013.18 remains unchanged, reflecting a stable central estimate for mBank's valuation.Aggiornamento della narrazione • Mar 24
MBK: Refined Discount Rate And Profitability Assumptions Will Support Balanced Outlook
Analysts have nudged their mBank price target slightly higher from PLN 1,008.24 to PLN 1,013.18, citing updated assumptions around the discount rate, revenue growth, profit margin and forward P/E that modestly refine their valuation view. Valuation Changes Fair Value: PLN 1,008.24 to PLN 1,013.18, reflecting a slight upward adjustment in the modelled valuation level.Aggiornamento della narrazione • Mar 09
MBK: Lower Margin Outlook And Richer P/E Will Eventually Unwind
Analysts have made a marginal upward adjustment to their mBank price target to PLN 841.40. This reflects updated assumptions around discount rates, revenue growth, profit margins, and future P/E expectations.Aggiornamento della narrazione • Feb 23
MBK: Refined Profitability And P/E Assumptions Will Support A Balanced Outlook
The updated analyst price target for mBank is now PLN 1,008.24, a marginal change from PLN 1,008.23, with analysts pointing to modest adjustments in revenue growth, profit margin assumptions, and forward P/E expectations as the key drivers behind the recalibration. Valuation Changes Fair Value: PLN 1,008.23 to PLN 1,008.24, a marginal upward adjustment.Aggiornamento della narrazione • Feb 08
MBK: Adjusted Profitability And Discount Rate Assumptions Will Shape Balanced Outlook
Analysts have lifted their fair value estimate for mBank from €973.67 to €1,008.23, citing adjustments to discount rate assumptions, updated revenue growth expectations, a revised profit margin outlook, and a slightly lower future P/E multiple. Valuation Changes Fair Value Estimate increased modestly from €973.67 to €1,008.23.Aggiornamento della narrazione • Jan 24
MBK: Higher Margin And P/E Assumptions Will Ultimately Prove Too Optimistic
Analysts have lifted their fair value estimate for mBank from €626.00 to about €841.34, citing updated assumptions around revenue growth, profit margins, and the future P/E multiple that together point to a higher central valuation range. Valuation Changes Fair Value Estimate was lifted from €626.00 to about €841.34, marking a sizeable upward shift in the central value range used in the model.Aggiornamento della narrazione • Jan 10
MBK: Higher Revenue Outlook And Richer Future P/E Will Support Upside
Analysts have lifted their price target on mBank from €961 to about €1,223, reflecting updated assumptions that combine higher revenue growth with a lower discount rate, a lower profit margin and a higher future P/E multiple. Valuation Changes Fair value estimate: raised from €961.00 to about €1,222.70, indicating a higher assessed equity value for mBank in the model.Aggiornamento della narrazione • Dec 26
MBK: Modestly Higher Required Returns Will Guide Balanced Future Expectations
Narrative Update on mBank The analyst price target for mBank has been revised slightly lower to approximately $974 from about $993, as analysts modestly trim assumptions on revenue growth, profit margin, and future valuation multiples while applying a slightly higher discount rate. Valuation Changes The fair value estimate was reduced slightly from approximately PLN 993 to around PLN 974, reflecting modestly more conservative assumptions.Aggiornamento della narrazione • Dec 11
MBK: Lower Discount Rate And Margin Pressure Will Shape Future Expectations
Analysts have modestly raised their price target on mBank to approximately $993 from about $979, citing slightly improved revenue growth expectations, a marginally lower discount rate, and a higher future price-to-earnings multiple that more than offset a negligible reduction in projected profit margins. Valuation Changes The fair value estimate has risen slightly to approximately 993 PLN from about 979 PLN, reflecting a modestly higher intrinsic valuation.Aggiornamento della narrazione • Nov 27
MBK: Lower Discount Rate And Net Margin Will Offset Future Optimism
Analysts have raised their price target for mBank from PLN 869.83 to PLN 979.43, citing improved revenue growth projections and minor adjustments in discount rates as key factors influencing the update. Valuation Changes Fair Value Estimate: Increased from PLN 869.83 to PLN 979.43.Aggiornamento della narrazione • Nov 09
MBK: Falling P E Ratio Will Expose Downside Risk In Share Price
Analysts have raised their price target for mBank from PLN 857.50 to PLN 869.83, citing improved profit margin and revenue growth expectations as key drivers of the higher valuation. What's in the News mBank S.A. will hold a Special/Extraordinary Shareholders Meeting on September 18, 2025, at 12:00 Central European Standard Time (Key Developments).Articolo di analisi • Nov 02
zł870 - That's What Analysts Think mBank S.A. (WSE:MBK) Is Worth After These Results
Last week saw the newest third-quarter earnings release from mBank S.A. ( WSE:MBK ), an important milestone in the...Aggiornamento della narrazione • Oct 26
Revenue Outlook And Lending Trends Will Drive Strong Performance Ahead
Analysts have raised their price target for mBank from PLN 836 to PLN 857.50, citing improved revenue growth forecasts, which more than offset a slightly lower profit margin projection. What's in the News Special/Extraordinary Shareholders Meeting scheduled for September 18, 2025, at 12:00 Central European Standard Time (Key Developments) Upcoming Analyst/Investor Day to discuss the Group’s key directions and priorities for 2026 to 2030 (Key Developments) mBank S.A. provided earnings guidance for the full year 2025, projecting revenues to exceed PLN 12 billion and surpass 2024 results (Key Developments) Valuation Changes Consensus Analyst Price Target has risen from PLN 836 to PLN 857.50.Aggiornamento della narrazione • Sep 06
Digital Banking And Polish Lending Will Create Future Momentum
With both the discount rate and future P/E ratio remaining virtually flat, analysts have left their fair value estimate for mBank unchanged at PLN836.00. What's in the News Special/Extraordinary Shareholders Meeting scheduled to be held on Sep 18, 2025.Articolo di analisi • Jul 19
Is Now The Time To Put mBank (WSE:MBK) On Your Watchlist?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Nuova narrazione • Dec 06
Enhanced PFM Services And Innovative Capital Strategies Will Significantly Boost Revenue And Net Margins
Expansion in client reach and PFM functionalities aims to boost revenue and improve customer retention, enhancing net margins.Previsioni di crescita degli utili e dei ricavi
| Data | Ricavi | Utili | Flusso di cassa libero | Liquidità dell'operazione | Avg. Numero di analisti |
|---|---|---|---|---|---|
| 12/31/2028 | 14,274 | 5,712 | N/A | N/A | 5 |
| 12/31/2027 | 13,689 | 5,221 | N/A | N/A | 6 |
| 12/31/2026 | 12,597 | 3,754 | N/A | N/A | 4 |
| 3/31/2026 | 12,120 | 3,791 | -32,417 | -31,462 | N/A |
| 12/31/2025 | 12,000 | 3,544 | -25,302 | -24,433 | N/A |
| 9/30/2025 | 12,054 | 3,488 | -22,963 | -22,062 | N/A |
| 6/30/2025 | 12,024 | 3,224 | -21,941 | -21,046 | N/A |
| 3/31/2025 | 11,821 | 2,687 | -25,943 | -25,045 | N/A |
| 12/31/2024 | 11,634 | 2,243 | -17,841 | -16,938 | N/A |
| 9/30/2024 | 11,151 | 1,237 | -2,786 | -1,982 | N/A |
| 6/30/2024 | 10,727 | 581 | -8,452 | -7,696 | N/A |
| 3/31/2024 | 10,369 | 144 | 2,028 | 2,790 | N/A |
| 12/31/2023 | 9,995 | 24 | 7,369 | 8,087 | N/A |
| 9/30/2023 | 9,822 | 879 | -18,365 | -17,660 | N/A |
| 6/30/2023 | 8,373 | -1,317 | -9,368 | -8,746 | N/A |
| 3/31/2023 | 7,824 | -1,072 | -14,340 | -13,792 | N/A |
| 12/31/2022 | 7,383 | -703 | -9,247 | -8,684 | N/A |
| 9/30/2022 | 6,551 | -3,168 | -7,067 | -6,553 | N/A |
| 6/30/2022 | 6,799 | -863 | -12,143 | -11,614 | N/A |
| 3/31/2022 | 5,972 | -984 | -12,528 | -11,963 | N/A |
| 12/31/2021 | 5,462 | -1,179 | -13,191 | -12,602 | N/A |
| 9/30/2021 | 5,320 | 278 | -8,830 | -8,159 | N/A |
| 6/30/2021 | 5,144 | 352 | -6,090 | -5,416 | N/A |
| 3/31/2021 | 5,095 | 330 | -10,337 | -9,696 | N/A |
| 12/31/2020 | 4,710 | 104 | -20,009 | -19,457 | N/A |
| 9/30/2020 | 4,645 | 395 | -23,724 | -23,214 | N/A |
| 6/30/2020 | 4,841 | 653 | -24,877 | -24,311 | N/A |
| 3/31/2020 | 4,791 | 938 | -19,949 | -19,410 | N/A |
| 12/31/2019 | 4,917 | 1,010 | N/A | -14,328 | N/A |
| 9/30/2019 | 4,750 | 1,200 | N/A | -11,717 | N/A |
| 6/30/2019 | 4,429 | 1,132 | N/A | -10,361 | N/A |
| 3/31/2019 | 4,367 | 1,053 | N/A | -15,972 | N/A |
| 12/31/2018 | 4,513 | 1,303 | N/A | -10,332 | N/A |
| 9/30/2018 | 4,448 | 1,309 | N/A | -6,210 | N/A |
| 6/30/2018 | 4,394 | 1,309 | N/A | -7,924 | N/A |
| 3/31/2018 | 4,405 | 1,285 | N/A | -1,561 | N/A |
| 12/31/2017 | 4,059 | 1,092 | N/A | -2,843 | N/A |
| 9/30/2017 | 4,040 | 1,072 | N/A | -3,510 | N/A |
| 6/30/2017 | 3,963 | 1,011 | N/A | -944 | N/A |
| 3/31/2017 | 4,046 | 1,130 | N/A | -1,219 | N/A |
| 12/31/2016 | 4,016 | 1,219 | N/A | -1,348 | N/A |
| 9/30/2016 | 4,023 | 1,236 | N/A | -1,940 | N/A |
| 6/30/2016 | 4,001 | 1,325 | N/A | -2,497 | N/A |
| 3/31/2016 | 3,665 | 1,158 | N/A | -48 | N/A |
| 12/31/2015 | 3,751 | 1,301 | N/A | -1,440 | N/A |
| 9/30/2015 | 3,585 | 1,300 | N/A | -8,719 | N/A |
| 6/30/2015 | 3,574 | 1,296 | N/A | -11,301 | N/A |
Previsioni di crescita futura degli analisti
Guadagni vs tasso di risparmio: La crescita prevista degli utili di MBK ( 16.4% all'anno) è superiore al tasso di risparmio ( 5.3% ).
Guadagni vs Mercato: Si prevede che gli utili di MBK ( 16.4% all'anno) cresceranno più rapidamente del mercato Polish ( 12.4% all'anno).
Guadagni ad alta crescita: Si prevede che gli utili di MBK cresceranno, ma non in modo significativo.
Ricavi vs Mercato: Si prevede che il fatturato di MBK ( 6.2% all'anno) crescerà più rapidamente del mercato Polish ( 4.5% all'anno).
Ricavi ad alta crescita: Si prevede che il fatturato di MBK ( 6.2% all'anno) crescerà più lentamente di 20% all'anno.
Previsioni di crescita dell'utile per azione
Rendimento futuro del capitale proprio
ROE futuro: Si prevede che il Return on Equity di MBK sarà basso tra 3 anni ( 19.8 %).
Scoprire le aziende in crescita
Analisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/05/21 15:23 |
| Prezzo dell'azione a fine giornata | 2026/05/21 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
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| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
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| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
mBank S.A. è coperta da 20 analisti. 6 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Andrzej Powierza | Citigroup Inc |
| Gabor Kemeny | ConCorde Securities Ltd. |
| Kazim Andaç | Deutsche Bank |