View ValuationmBank 향후 성장Future 기준 점검 1/6mBank (는) 각각 연간 9.4% 및 0.3% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 9.9% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 17.1% 로 예상됩니다.핵심 정보9.4%이익 성장률9.93%EPS 성장률Banks 이익 성장9.9%매출 성장률0.3%향후 자기자본이익률17.12%애널리스트 커버리지Good마지막 업데이트27 Jun 2025최근 향후 성장 업데이트공시 • Jan 19mBank Provides Earnings Guidance for the Fourth Quarter and Fiscal Year 2023mBank provided earnings guidance for the fourth quarter and fiscal year 2023. for the quarter, the company expects preliminary net result for the fourth quarter of 2023 will be negative or close to zero.For the year, the company expects net profit to be positive or close to zero.공시 • Feb 10mBank S.A. Provides Earnings Guidance for the Year 2023mBank S.A. provided earnings guidance for the year 2023. The company expects to generate a net profit in 2023 after suffering a PLN 702.7 million group net loss in 2022.모든 업데이트 보기Recent updates공시 • Mar 02mBank S.A., Annual General Meeting, Mar 31, 2026mBank S.A., Annual General Meeting, Mar 31, 2026, at 14:00 Central European Standard Time.공시 • Jan 05+ 3 more updatesmBank S.A. to Report First Half, 2026 Results on Jul 30, 2026mBank S.A. announced that they will report first half, 2026 results on Jul 30, 2026공시 • Apr 01+ 1 more updatemBank S.A. to Report Fiscal Year 2025 Results on Mar 03, 2026mBank S.A. announced that they will report fiscal year 2025 results on Mar 03, 2026Reported Earnings • Mar 06Full year 2024 earnings released: EPS: zł52.80 (vs zł0.57 in FY 2023)Full year 2024 results: EPS: zł52.80 (up from zł0.57 in FY 2023). Revenue: zł11.6b (up 16% from FY 2023). Net income: zł2.24b (up zł2.22b from FY 2023). Profit margin: 19% (up from 0.2% in FY 2023). Revenue is forecast to stay flat during the next 3 years compared to a 4.8% growth forecast for the Banks industry in the United Kingdom.Buy Or Sell Opportunity • Mar 04Now 57% undervaluedThe stock has been flat over the last 90 days, currently trading at zł198. The fair value is estimated to be zł456, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 25% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to decline by 0.6% per annum. Earnings are forecast to grow by 12% per annum over the same time period.공시 • Mar 03mBank S.A., Annual General Meeting, Mar 27, 2025mBank S.A., Annual General Meeting, Mar 27, 2025.Buy Or Sell Opportunity • Feb 14Now 56% undervaluedThe stock has been flat over the last 90 days, currently trading at zł198. The fair value is estimated to be zł450, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 25% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to decline by 0.6% per annum. Earnings are forecast to grow by 11% per annum over the same time period.공시 • Jan 02+ 2 more updatesmBank S.A. to Report First Half, 2025 Results on Jul 31, 2025mBank S.A. announced that they will report first half, 2025 results on Jul 31, 2025Reported Earnings • Nov 01Third quarter 2024 earnings released: EPS: zł13.49 (vs zł1.96 loss in 3Q 2023)Third quarter 2024 results: EPS: zł13.49 (up from zł1.96 loss in 3Q 2023). Revenue: zł3.02b (up 17% from 3Q 2023). Net income: zł572.9m (up zł655.9m from 3Q 2023). Profit margin: 19% (up from net loss in 3Q 2023). Revenue is forecast to grow 2.1% p.a. on average during the next 3 years, compared to a 4.2% growth forecast for the Banks industry in the United Kingdom.Reported Earnings • Aug 02Second quarter 2024 earnings released: EPS: zł9.93 (vs zł0.37 loss in 2Q 2023)Second quarter 2024 results: EPS: zł9.93 (up from zł0.37 loss in 2Q 2023). Revenue: zł2.78b (up 8.5% from 2Q 2023). Net income: zł421.9m (up zł437.3m from 2Q 2023). Profit margin: 15% (up from net loss in 2Q 2023). Revenue is forecast to grow 2.2% p.a. on average during the next 3 years, compared to a 4.7% growth forecast for the Banks industry in the United Kingdom.Recent Insider Transactions • Jun 25President of Management Board & CEO recently sold zł1.0m worth of stockOn the 20th of June, Cezary Kocik sold around 2k shares on-market at roughly zł626 per share. This transaction amounted to 100% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Cezary's only on-market trade for the last 12 months.Recent Insider Transactions • Jun 10Key Executive recently sold zł993k worth of stockOn the 6th of June, Adam Pers sold around 2k shares on-market at roughly zł611 per share. This transaction amounted to 43% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Adam's only on-market trade for the last 12 months.공시 • Jun 09mBank's Supervisory Board Conditionally Appoints Cezary Kocik as CEOmBank supervisory board has conditionally appointed Cezary Kocik as CEO of the bank. Kocik will take over as mBank's CEO after receiving approval from the Poland's financial watchdog KNF and after the termination of office of the current CEO. Cezary Kocik has been involved with the bank since 2004 and since 2012, he was deputy CEO of the management board for retail banking at mBank.Reported Earnings • May 10First quarter 2024 earnings released: EPS: zł6.18 (vs zł3.32 in 1Q 2023)First quarter 2024 results: EPS: zł6.18 (up from zł3.32 in 1Q 2023). Revenue: zł2.93b (up 24% from 1Q 2023). Net income: zł262.5m (up 84% from 1Q 2023). Profit margin: 9.0% (up from 6.0% in 1Q 2023). Revenue is forecast to grow 2.9% p.a. on average during the next 3 years, compared to a 3.9% growth forecast for the Banks industry in the United Kingdom.공시 • Mar 02mBank S.A., Annual General Meeting, Mar 27, 2024mBank S.A., Annual General Meeting, Mar 27, 2024, at 14:00 Central European Standard Time. Location: Warsaw, 18 Prosta Street Warsaw Poland Agenda: To approval of the Management Board Report on Performance of mBank S.A. Group in 2023; to approval of the Financial Statements of mBank S.A. for 2023; to division of the 2023 net profit; to division of the undivided profits from previous years; to approval of election to the Supervisory Board, on the basis of § 19 section 3 of the By-laws of mBank S.A; to approval of the Consolidated Financial Statements of mBank Group for 2023; and to discuss other matters.공시 • Jan 19mBank Provides Earnings Guidance for the Fourth Quarter and Fiscal Year 2023mBank provided earnings guidance for the fourth quarter and fiscal year 2023. for the quarter, the company expects preliminary net result for the fourth quarter of 2023 will be negative or close to zero.For the year, the company expects net profit to be positive or close to zero.Buying Opportunity • Jan 05Now 45% undervaluedThe stock has been flat over the last 90 days. The fair value is estimated to be zł359, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 24% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 0.9% per annum. Earnings is also forecast to grow by 32% per annum over the same time period.공시 • Dec 12+ 4 more updatesmBank S.A. to Report Fiscal Year 2024 Results on Feb 28, 2025mBank S.A. announced that they will report fiscal year 2024 results on Feb 28, 2025공시 • Oct 21Marcus Chromik Steps Down from Supervisory Board at mBankOn 20 October 2023, Dr. Marcus Chromik submitted his resignation as a member of mBank's supervisory board to Professor Agnieszka Slomka - Golebiowska, Chairman of the Bank's Supervisory Board, effective 31 December 2023.Reported Earnings • Apr 29First quarter 2023 earnings releasedFirst quarter 2023 results: Revenue: zł2.41b (up 25% from 1Q 2022). Net income: zł142.8m (down 72% from 1Q 2022). Profit margin: 5.9% (down from 27% in 1Q 2022). Revenue is forecast to grow 5.0% p.a. on average during the next 3 years, compared to a 4.9% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 138 percentage points per year, which is a significant difference in performance.Reported Earnings • Feb 10Full year 2022 earnings released: zł16.56 loss per share (vs zł27.82 loss in FY 2021)Full year 2022 results: zł16.56 loss per share (improved from zł27.82 loss in FY 2021). Revenue: zł7.45b (up 36% from FY 2021). Net loss: zł702.7m (loss narrowed 40% from FY 2021). Revenue is forecast to grow 10% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 94 percentage points per year, which is a significant difference in performance.공시 • Feb 10mBank S.A. Provides Earnings Guidance for the Year 2023mBank S.A. provided earnings guidance for the year 2023. The company expects to generate a net profit in 2023 after suffering a PLN 702.7 million group net loss in 2022.Buying Opportunity • Feb 01Now 48% undervalued after recent price dropOver the last 90 days, the stock is down 27%. The fair value is estimated to be zł381, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 12% over the last 3 years. Meanwhile, the company became loss making.Recent Insider Transactions • Jan 30Key Executive recently sold zł722k worth of stockOn the 26th of January, Krzysztof Dabrowski sold around 2k shares on-market at roughly zł322 per share. This transaction amounted to 100% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Krzysztof's only on-market trade for the last 12 months.공시 • Jan 19mBank S.A. Announces CFO ChangesmBank S.A. announced that received a resignation from its CFO Andreas Boeger effective April 30, 2023 and may appoint Commerzbank insider Pascal Ruhland as a replacement.공시 • Dec 24+ 3 more updatesmBank S.A. to Report Q4, 2023 Results on Feb 09, 2024mBank S.A. announced that they will report Q4, 2023 results on Feb 09, 2024Recent Insider Transactions • Dec 07Key Executive recently sold zł206k worth of stockOn the 1st of December, Adam Pers sold around 639 shares on-market at roughly zł322 per share. This transaction amounted to 47% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Adam's only on-market trade for the last 12 months.Reported Earnings • Nov 11Third quarter 2022 earnings released: zł53.74 loss per share (vs zł0.63 profit in 3Q 2021)Third quarter 2022 results: zł53.74 loss per share (down from zł0.63 profit in 3Q 2021). Revenue: zł891.7m (down 35% from 3Q 2021). Net loss: zł2.28b (down zł2.31b from profit in 3Q 2021). Revenue is forecast to grow 7.7% p.a. on average during the next 3 years, compared to a 5.7% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 115 percentage points per year, which is a significant difference in performance.Reported Earnings • Aug 09Second quarter 2022 earnings released: EPS: zł5.42 (vs zł2.57 in 2Q 2021)Second quarter 2022 results: EPS: zł5.42 (up from zł2.57 in 2Q 2021). Revenue: zł2.04b (up 57% from 2Q 2021). Net income: zł229.7m (up 111% from 2Q 2021). Profit margin: 11% (up from 8.4% in 2Q 2021). Over the next year, revenue is forecast to grow 33%, compared to a 11% growth forecast for the industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 94 percentage points per year, which is a significant difference in performance.Reported Earnings • May 12First quarter 2022 earnings released: EPS: zł12.09 (vs zł7.49 in 1Q 2021)First quarter 2022 results: EPS: zł12.09 (up from zł7.49 in 1Q 2021). Revenue: zł1.91b (up 35% from 1Q 2021). Net income: zł512.3m (up 62% from 1Q 2021). Profit margin: 27% (up from 22% in 1Q 2021). Over the next year, revenue is forecast to grow 32%, compared to a 5.8% growth forecast for the industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 73 percentage points per year, which is a significant difference in performance.공시 • May 02mBank S.A. to Report Q4, 2022 Results on Feb 09, 2023mBank S.A. announced that they will report Q4, 2022 results on Feb 09, 2023Buying Opportunity • Mar 31Now 48% undervalued after recent price dropOver the last 90 days, the stock is down 52%. The fair value is estimated to be zł379, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 6.8% over the last 3 years. Meanwhile, the company became loss making.Valuation Update With 7 Day Price Move • Dec 22Investor sentiment deteriorated over the past weekAfter last week's 20% share price decline to zł401, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 7x in the Banks industry in the United Kingdom. Total loss to shareholders of 4.9% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at zł579 per share.이익 및 매출 성장 예측LSE:0DU3 - 애널리스트 향후 추정치 및 과거 재무 데이터 (PLN Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/202712,5144,704N/AN/A412/31/202612,0954,763N/AN/A512/31/202512,2983,483N/AN/A33/31/202511,6392,686-26,012-25,114N/A12/31/202411,6162,243-17,841-16,938N/A9/30/202411,3391,237-2,786-1,982N/A6/30/202410,915581-8,452-7,696N/A3/31/202410,5331442,0282,790N/A12/31/20239,995247,3698,087N/A9/30/20239,822879-18,365-17,660N/A6/30/20238,373-1,317-9,368-8,746N/A3/31/20237,824-1,072-14,340-13,792N/A12/31/20227,383-703-9,247-8,684N/A9/30/20226,551-3,168-7,067-6,553N/A6/30/20226,799-863-12,143-11,614N/A3/31/20225,972-984-12,528-11,963N/A12/31/20215,462-1,179-13,191-12,602N/A9/30/20215,320278-8,830-8,159N/A6/30/20215,144352-6,090-5,416N/A3/31/20215,095330-10,337-9,696N/A12/31/20204,710104-20,009-19,457N/A9/30/20204,645395-23,724-23,214N/A6/30/20204,841653-24,877-24,311N/A3/31/20204,791938-19,949-19,410N/A12/31/20194,9171,010-14,828-14,328N/A9/30/20194,7501,200-12,253-11,717N/A6/30/20194,4291,132-10,877-10,361N/A3/31/20194,3671,053-16,508-15,972N/A12/31/20184,5131,303N/A-10,332N/A9/30/20184,4481,309N/A-6,210N/A6/30/20184,3941,309N/A-7,924N/A3/31/20184,4051,285N/A-1,561N/A12/31/20174,0591,092N/A-2,843N/A9/30/20174,0401,072N/A-3,510N/A6/30/20173,9631,011N/A-944N/A3/31/20174,0461,130N/A-1,219N/A12/31/20164,0161,219N/A-1,348N/A9/30/20164,0231,236N/A-1,940N/A6/30/20164,0011,325N/A-2,497N/A3/31/20163,6651,158N/A-48N/A12/31/20153,7511,301N/A-1,440N/A9/30/20153,5851,300N/A-8,719N/A6/30/20153,5741,296N/A-11,301N/A3/31/20153,6711,400N/A-11,314N/A12/31/20143,5491,287N/A-9,318N/A9/30/20143,5561,292N/A-2,347N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: 0DU3 의 연간 예상 수익 증가율(9.4%)이 saving rate(2.5%)보다 높습니다.수익 vs 시장: 0DU3 의 연간 수익(9.4%)이 UK 시장(11.5%)보다 느리게 성장할 것으로 예상됩니다.고성장 수익: 0DU3 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.수익 대 시장: 0DU3 의 수익(연간 0.3%)이 UK 시장(연간 4.5%)보다 느리게 성장할 것으로 예상됩니다.고성장 매출: 0DU3 의 수익(연간 0.3%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: 0DU3의 자본 수익률은 3년 후 17.1%로 낮을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2025/07/05 00:40종가2025/04/07 00:00수익2025/03/31연간 수익2024/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스mBank S.A.는 20명의 분석가가 다루고 있습니다. 이 중 6명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Andrzej PowierzaCitigroup IncGabor KemenyConCorde Securities Ltd.Kazim AndaçDeutsche Bank17명의 분석가 더 보기
공시 • Jan 19mBank Provides Earnings Guidance for the Fourth Quarter and Fiscal Year 2023mBank provided earnings guidance for the fourth quarter and fiscal year 2023. for the quarter, the company expects preliminary net result for the fourth quarter of 2023 will be negative or close to zero.For the year, the company expects net profit to be positive or close to zero.
공시 • Feb 10mBank S.A. Provides Earnings Guidance for the Year 2023mBank S.A. provided earnings guidance for the year 2023. The company expects to generate a net profit in 2023 after suffering a PLN 702.7 million group net loss in 2022.
공시 • Mar 02mBank S.A., Annual General Meeting, Mar 31, 2026mBank S.A., Annual General Meeting, Mar 31, 2026, at 14:00 Central European Standard Time.
공시 • Jan 05+ 3 more updatesmBank S.A. to Report First Half, 2026 Results on Jul 30, 2026mBank S.A. announced that they will report first half, 2026 results on Jul 30, 2026
공시 • Apr 01+ 1 more updatemBank S.A. to Report Fiscal Year 2025 Results on Mar 03, 2026mBank S.A. announced that they will report fiscal year 2025 results on Mar 03, 2026
Reported Earnings • Mar 06Full year 2024 earnings released: EPS: zł52.80 (vs zł0.57 in FY 2023)Full year 2024 results: EPS: zł52.80 (up from zł0.57 in FY 2023). Revenue: zł11.6b (up 16% from FY 2023). Net income: zł2.24b (up zł2.22b from FY 2023). Profit margin: 19% (up from 0.2% in FY 2023). Revenue is forecast to stay flat during the next 3 years compared to a 4.8% growth forecast for the Banks industry in the United Kingdom.
Buy Or Sell Opportunity • Mar 04Now 57% undervaluedThe stock has been flat over the last 90 days, currently trading at zł198. The fair value is estimated to be zł456, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 25% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to decline by 0.6% per annum. Earnings are forecast to grow by 12% per annum over the same time period.
공시 • Mar 03mBank S.A., Annual General Meeting, Mar 27, 2025mBank S.A., Annual General Meeting, Mar 27, 2025.
Buy Or Sell Opportunity • Feb 14Now 56% undervaluedThe stock has been flat over the last 90 days, currently trading at zł198. The fair value is estimated to be zł450, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 25% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to decline by 0.6% per annum. Earnings are forecast to grow by 11% per annum over the same time period.
공시 • Jan 02+ 2 more updatesmBank S.A. to Report First Half, 2025 Results on Jul 31, 2025mBank S.A. announced that they will report first half, 2025 results on Jul 31, 2025
Reported Earnings • Nov 01Third quarter 2024 earnings released: EPS: zł13.49 (vs zł1.96 loss in 3Q 2023)Third quarter 2024 results: EPS: zł13.49 (up from zł1.96 loss in 3Q 2023). Revenue: zł3.02b (up 17% from 3Q 2023). Net income: zł572.9m (up zł655.9m from 3Q 2023). Profit margin: 19% (up from net loss in 3Q 2023). Revenue is forecast to grow 2.1% p.a. on average during the next 3 years, compared to a 4.2% growth forecast for the Banks industry in the United Kingdom.
Reported Earnings • Aug 02Second quarter 2024 earnings released: EPS: zł9.93 (vs zł0.37 loss in 2Q 2023)Second quarter 2024 results: EPS: zł9.93 (up from zł0.37 loss in 2Q 2023). Revenue: zł2.78b (up 8.5% from 2Q 2023). Net income: zł421.9m (up zł437.3m from 2Q 2023). Profit margin: 15% (up from net loss in 2Q 2023). Revenue is forecast to grow 2.2% p.a. on average during the next 3 years, compared to a 4.7% growth forecast for the Banks industry in the United Kingdom.
Recent Insider Transactions • Jun 25President of Management Board & CEO recently sold zł1.0m worth of stockOn the 20th of June, Cezary Kocik sold around 2k shares on-market at roughly zł626 per share. This transaction amounted to 100% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Cezary's only on-market trade for the last 12 months.
Recent Insider Transactions • Jun 10Key Executive recently sold zł993k worth of stockOn the 6th of June, Adam Pers sold around 2k shares on-market at roughly zł611 per share. This transaction amounted to 43% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Adam's only on-market trade for the last 12 months.
공시 • Jun 09mBank's Supervisory Board Conditionally Appoints Cezary Kocik as CEOmBank supervisory board has conditionally appointed Cezary Kocik as CEO of the bank. Kocik will take over as mBank's CEO after receiving approval from the Poland's financial watchdog KNF and after the termination of office of the current CEO. Cezary Kocik has been involved with the bank since 2004 and since 2012, he was deputy CEO of the management board for retail banking at mBank.
Reported Earnings • May 10First quarter 2024 earnings released: EPS: zł6.18 (vs zł3.32 in 1Q 2023)First quarter 2024 results: EPS: zł6.18 (up from zł3.32 in 1Q 2023). Revenue: zł2.93b (up 24% from 1Q 2023). Net income: zł262.5m (up 84% from 1Q 2023). Profit margin: 9.0% (up from 6.0% in 1Q 2023). Revenue is forecast to grow 2.9% p.a. on average during the next 3 years, compared to a 3.9% growth forecast for the Banks industry in the United Kingdom.
공시 • Mar 02mBank S.A., Annual General Meeting, Mar 27, 2024mBank S.A., Annual General Meeting, Mar 27, 2024, at 14:00 Central European Standard Time. Location: Warsaw, 18 Prosta Street Warsaw Poland Agenda: To approval of the Management Board Report on Performance of mBank S.A. Group in 2023; to approval of the Financial Statements of mBank S.A. for 2023; to division of the 2023 net profit; to division of the undivided profits from previous years; to approval of election to the Supervisory Board, on the basis of § 19 section 3 of the By-laws of mBank S.A; to approval of the Consolidated Financial Statements of mBank Group for 2023; and to discuss other matters.
공시 • Jan 19mBank Provides Earnings Guidance for the Fourth Quarter and Fiscal Year 2023mBank provided earnings guidance for the fourth quarter and fiscal year 2023. for the quarter, the company expects preliminary net result for the fourth quarter of 2023 will be negative or close to zero.For the year, the company expects net profit to be positive or close to zero.
Buying Opportunity • Jan 05Now 45% undervaluedThe stock has been flat over the last 90 days. The fair value is estimated to be zł359, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 24% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 0.9% per annum. Earnings is also forecast to grow by 32% per annum over the same time period.
공시 • Dec 12+ 4 more updatesmBank S.A. to Report Fiscal Year 2024 Results on Feb 28, 2025mBank S.A. announced that they will report fiscal year 2024 results on Feb 28, 2025
공시 • Oct 21Marcus Chromik Steps Down from Supervisory Board at mBankOn 20 October 2023, Dr. Marcus Chromik submitted his resignation as a member of mBank's supervisory board to Professor Agnieszka Slomka - Golebiowska, Chairman of the Bank's Supervisory Board, effective 31 December 2023.
Reported Earnings • Apr 29First quarter 2023 earnings releasedFirst quarter 2023 results: Revenue: zł2.41b (up 25% from 1Q 2022). Net income: zł142.8m (down 72% from 1Q 2022). Profit margin: 5.9% (down from 27% in 1Q 2022). Revenue is forecast to grow 5.0% p.a. on average during the next 3 years, compared to a 4.9% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 138 percentage points per year, which is a significant difference in performance.
Reported Earnings • Feb 10Full year 2022 earnings released: zł16.56 loss per share (vs zł27.82 loss in FY 2021)Full year 2022 results: zł16.56 loss per share (improved from zł27.82 loss in FY 2021). Revenue: zł7.45b (up 36% from FY 2021). Net loss: zł702.7m (loss narrowed 40% from FY 2021). Revenue is forecast to grow 10% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 94 percentage points per year, which is a significant difference in performance.
공시 • Feb 10mBank S.A. Provides Earnings Guidance for the Year 2023mBank S.A. provided earnings guidance for the year 2023. The company expects to generate a net profit in 2023 after suffering a PLN 702.7 million group net loss in 2022.
Buying Opportunity • Feb 01Now 48% undervalued after recent price dropOver the last 90 days, the stock is down 27%. The fair value is estimated to be zł381, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 12% over the last 3 years. Meanwhile, the company became loss making.
Recent Insider Transactions • Jan 30Key Executive recently sold zł722k worth of stockOn the 26th of January, Krzysztof Dabrowski sold around 2k shares on-market at roughly zł322 per share. This transaction amounted to 100% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Krzysztof's only on-market trade for the last 12 months.
공시 • Jan 19mBank S.A. Announces CFO ChangesmBank S.A. announced that received a resignation from its CFO Andreas Boeger effective April 30, 2023 and may appoint Commerzbank insider Pascal Ruhland as a replacement.
공시 • Dec 24+ 3 more updatesmBank S.A. to Report Q4, 2023 Results on Feb 09, 2024mBank S.A. announced that they will report Q4, 2023 results on Feb 09, 2024
Recent Insider Transactions • Dec 07Key Executive recently sold zł206k worth of stockOn the 1st of December, Adam Pers sold around 639 shares on-market at roughly zł322 per share. This transaction amounted to 47% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Adam's only on-market trade for the last 12 months.
Reported Earnings • Nov 11Third quarter 2022 earnings released: zł53.74 loss per share (vs zł0.63 profit in 3Q 2021)Third quarter 2022 results: zł53.74 loss per share (down from zł0.63 profit in 3Q 2021). Revenue: zł891.7m (down 35% from 3Q 2021). Net loss: zł2.28b (down zł2.31b from profit in 3Q 2021). Revenue is forecast to grow 7.7% p.a. on average during the next 3 years, compared to a 5.7% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 115 percentage points per year, which is a significant difference in performance.
Reported Earnings • Aug 09Second quarter 2022 earnings released: EPS: zł5.42 (vs zł2.57 in 2Q 2021)Second quarter 2022 results: EPS: zł5.42 (up from zł2.57 in 2Q 2021). Revenue: zł2.04b (up 57% from 2Q 2021). Net income: zł229.7m (up 111% from 2Q 2021). Profit margin: 11% (up from 8.4% in 2Q 2021). Over the next year, revenue is forecast to grow 33%, compared to a 11% growth forecast for the industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 94 percentage points per year, which is a significant difference in performance.
Reported Earnings • May 12First quarter 2022 earnings released: EPS: zł12.09 (vs zł7.49 in 1Q 2021)First quarter 2022 results: EPS: zł12.09 (up from zł7.49 in 1Q 2021). Revenue: zł1.91b (up 35% from 1Q 2021). Net income: zł512.3m (up 62% from 1Q 2021). Profit margin: 27% (up from 22% in 1Q 2021). Over the next year, revenue is forecast to grow 32%, compared to a 5.8% growth forecast for the industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 73 percentage points per year, which is a significant difference in performance.
공시 • May 02mBank S.A. to Report Q4, 2022 Results on Feb 09, 2023mBank S.A. announced that they will report Q4, 2022 results on Feb 09, 2023
Buying Opportunity • Mar 31Now 48% undervalued after recent price dropOver the last 90 days, the stock is down 52%. The fair value is estimated to be zł379, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 6.8% over the last 3 years. Meanwhile, the company became loss making.
Valuation Update With 7 Day Price Move • Dec 22Investor sentiment deteriorated over the past weekAfter last week's 20% share price decline to zł401, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 7x in the Banks industry in the United Kingdom. Total loss to shareholders of 4.9% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at zł579 per share.