mBank S.A.

DB:BRU Stock Report

Market Cap: €10.6b

mBank Past Earnings Performance

Past criteria checks 4/6

mBank has been growing earnings at an average annual rate of 52%, while the Banks industry saw earnings growing at 17.9% annually. Revenues have been growing at an average rate of 21.1% per year. mBank's return on equity is 17.1%, and it has net margins of 29%.

Key information

52.00%

Earnings growth rate

51.96%

EPS growth rate

Banks Industry Growth10.63%
Revenue growth rate21.13%
Return on equity17.07%
Net Margin28.98%
Next Earnings Update10 Feb 2026

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How mBank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:BRU Revenue, expenses and earnings (PLN Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2512,0363,4883,4210
30 Jun 2512,1703,2243,3870
31 Mar 2511,6392,6863,3510
31 Dec 2411,6162,2433,3400
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
30 Jun 153,5741,2961,0170
31 Mar 153,6711,4001910

Quality Earnings: BRU has a large one-off loss of PLN2.6B impacting its last 12 months of financial results to 30th September, 2025.

Growing Profit Margin: BRU's current net profit margins (29%) are higher than last year (11.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BRU's earnings have grown significantly by 52% per year over the past 5 years.

Accelerating Growth: BRU's earnings growth over the past year (182%) exceeds its 5-year average (52% per year).

Earnings vs Industry: BRU earnings growth over the past year (182%) exceeded the Banks industry 1.1%.

Return on Equity

High ROE: BRU's Return on Equity (17.1%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/02/05 04:54
End of Day Share Price 2026/02/05 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

mBank S.A. is covered by 23 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Andrzej PowierzaCitigroup Inc
Gabor KemenyConCorde Securities Ltd.
Kazim AndaçDeutsche Bank