mBank S.A.

WSE:MBK 株式レポート

時価総額：zł55.4b

mBank 過去の業績

過去 基準チェック /36

mBankは、平均年間62.1%の収益成長を遂げていますが、 Banks業界の収益は、年間 成長しています。収益は、平均年間38.6% 19%収益成長率で 成長しています。 mBankの自己資本利益率は17%であり、純利益率は31.3%です。

主要情報

62.09%

収益成長率

62.06%

EPS成長率

Banks 業界の成長9.91%
収益成長率18.96%
株主資本利益率16.98%
ネット・マージン31.27%
次回の業績アップデート29 Jul 2026

最近の業績更新

Recent updates

ナラティブ更新 • Jun 29

MBK: Updated Fair Value And Higher Future P/E Will Shape Returns

The analyst price target for mBank has shifted from PLN 1,224.00 to PLN 1,291.00. Analysts link this change to updated fair value estimates, a slightly lower discount rate, and adjustments to revenue growth, profit margin, and future P/E assumptions.
ナラティブ更新 • Jun 15

MBK: Higher P/E Assumptions Will Sustain An Overvalued Outlook

Analysts have raised their price target on mBank to PLN 1,112.66 from PLN 1,013.18, reflecting updated assumptions regarding fair value, discount rate, revenue growth, profit margin and future P/E. What's in the News No recent news items, periodical coverage or key developments were provided for mBank, so there are currently no specific events to highlight based on the available sources.
ナラティブ更新 • Jun 01

MBK: Higher P/E Multiple Will Pressure Returns Despite Softer Profit Assumptions

Analysts now set their mBank price target at PLN 892.0, up from PLN 841.4, reflecting updated views on revenue growth, profit margins, and a higher assumed future P/E multiple. What's in the News Analysts revise mBank price target to PLN 892.0 from PLN 841.4, reflecting updated assumptions on revenue, margins, and future P/E multiples.
ナラティブ更新 • 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.
ナラティブ更新 • 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.
ナラティブ更新 • 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.
ナラティブ更新 • 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.
ナラティブ更新 • 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.
ナラティブ更新 • 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.
ナラティブ更新 • 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.
ナラティブ更新 • 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.
ナラティブ更新 • 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.
ナラティブ更新 • 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.
ナラティブ更新 • 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.
ナラティブ更新 • 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.
ナラティブ更新 • 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).
分析記事 • 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...
ナラティブ更新 • 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.
ナラティブ更新 • 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.
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新しいナラティブ • 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.

収支内訳

mBank の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。

収益と収入の歴史

WSE:MBK 収益、費用、利益 ( )PLN Millions
日付収益収益G+A経費研究開発費
31 Mar 2612,1203,7919400
31 Dec 2512,0003,5449230
30 Sep 2512,0543,4889020
30 Jun 2512,0243,2248680
31 Mar 2511,8212,6878320
31 Dec 2411,6342,2438210
30 Sep 2411,1511,2373,1060
30 Jun 2410,7275813,0690
31 Mar 2410,3691442,9960
31 Dec 239,995243,0330
30 Sep 239,8228796680
30 Jun 238,373-1,3176070
31 Mar 237,824-1,0726470
31 Dec 227,383-7036320
30 Sep 226,551-3,1686230
30 Jun 226,799-8636130
31 Mar 225,972-9841120
31 Dec 215,462-1,1795830
30 Sep 215,3202785860
30 Jun 215,1443525870
31 Mar 215,0953301,0760
31 Dec 204,7101045690
30 Sep 204,645395-8250
30 Jun 204,841653-3910
31 Mar 204,791938-100
31 Dec 194,9171,0105340
30 Sep 194,7501,2001,9100
30 Jun 194,4291,1321,4310
31 Mar 194,3671,0539950
31 Dec 184,5131,3034270
30 Sep 184,4481,3094170
30 Jun 184,3941,3094080
31 Mar 184,4051,285-590
31 Dec 174,0591,0923750
30 Sep 174,0401,0727400
30 Jun 173,9631,0111,1860
31 Mar 174,0461,1302,0470
31 Dec 164,0161,2191,9400
30 Sep 164,0231,2362,0950
30 Jun 164,0011,3252,0590
31 Mar 163,6651,1582,0530
31 Dec 153,7511,3012,0260
30 Sep 153,5851,3001,4510

質の高い収益: MBKにはPLN1.5B } という大きな 一回限りの 損失があり、過去 12 か月の財務実績が31st March, 2026に影響を及ぼしています。

利益率の向上: MBKの現在の純利益率 (31.3%)は、昨年(22.7%)よりも高くなっています。

フリー・キャッシュフローと収益の比較

過去の収益成長分析

収益動向: MBKの収益は過去 5 年間で年間62.1%増加しました。

成長の加速: MBKの過去 1 年間の収益成長率 ( 41.1% ) は、5 年間の平均 ( 年間62.1%を下回っています。

収益対業界: MBKの過去 1 年間の収益成長率 ( 41.1% ) はBanks業界6.4%を上回りました。

株主資本利益率

高いROE: MBKの 自己資本利益率 ( 17% ) は 低い とみなされます。

総資産利益率

使用総資本利益率

過去の好業績企業の発掘

7D

1Y

7D

1Y

7D

1Y

企業分析と財務データの現状

データ最終更新日（UTC時間）
企業分析2026/07/27 20:55
終値2026/07/27 00:00
収益2026/03/31
年間収益2025/12/31

データソース

企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。

パッケージデータタイムフレーム米国ソース例
会社財務10年
  • 損益計算書
  • キャッシュ・フロー計算書
  • 貸借対照表
アナリストのコンセンサス予想+プラス3年
  • 予想財務
  • アナリストの目標株価
市場価格30年
  • 株価
  • 配当、分割、措置
所有権10年
  • トップ株主
  • インサイダー取引
マネジメント10年
  • リーダーシップ・チーム
  • 取締役会
主な進展10年
  • 会社からのお知らせ

* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。

特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。

分析モデルとスノーフレーク

このレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。

シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。

業界およびセクターの指標

私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。

アナリスト筋

mBank S.A. 5 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。20

アナリスト機関
Andrzej PowierzaCitigroup Inc
Gabor KemenyConCorde Securities Ltd.
Kazim AndaçDeutsche Bank