mBank has been growing earnings at an average annual rate of 22.3%, while the Banks industry saw earnings growing at 27.1% annually. Revenues have been growing at an average rate of 21.6% per year. mBank's return on equity is 14.5%, and it has net margins of 23.1%.
Key information
22.29%
Earnings growth rate
22.23%
EPS growth rate
Banks Industry Growth
21.22%
Revenue growth rate
21.60%
Return on equity
14.48%
Net Margin
23.08%
Next Earnings Update
31 Jul 2025
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
LSE:0DU3 Revenue, expenses and earnings (PLN Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Mar 25
11,639
2,686
3,351
0
31 Dec 24
11,616
2,243
3,340
0
30 Sep 24
11,339
1,237
3,053
0
30 Jun 24
10,915
581
3,016
0
31 Mar 24
10,533
144
2,996
0
31 Dec 23
9,995
24
3,033
0
30 Sep 23
9,822
879
668
0
30 Jun 23
8,373
-1,317
607
0
31 Mar 23
7,824
-1,072
647
0
31 Dec 22
7,383
-703
632
0
30 Sep 22
6,551
-3,168
623
0
30 Jun 22
6,799
-863
613
0
31 Mar 22
5,972
-984
112
0
31 Dec 21
5,462
-1,179
583
0
30 Sep 21
5,320
278
586
0
30 Jun 21
5,144
352
587
0
31 Mar 21
5,095
330
1,076
0
31 Dec 20
4,710
104
569
0
30 Sep 20
4,645
395
-825
0
30 Jun 20
4,841
653
-391
0
31 Mar 20
4,791
938
-10
0
31 Dec 19
4,917
1,010
534
0
30 Sep 19
4,750
1,200
1,910
0
30 Jun 19
4,429
1,132
1,431
0
31 Mar 19
4,367
1,053
995
0
31 Dec 18
4,513
1,303
427
0
30 Sep 18
4,448
1,309
417
0
30 Jun 18
4,394
1,309
408
0
31 Mar 18
4,405
1,285
-59
0
31 Dec 17
4,059
1,092
375
0
30 Sep 17
4,040
1,072
740
0
30 Jun 17
3,963
1,011
1,186
0
31 Mar 17
4,046
1,130
2,047
0
31 Dec 16
4,016
1,219
1,940
0
30 Sep 16
4,023
1,236
2,095
0
30 Jun 16
4,001
1,325
2,059
0
31 Mar 16
3,665
1,158
2,053
0
31 Dec 15
3,751
1,301
2,026
0
30 Sep 15
3,585
1,300
1,451
0
30 Jun 15
3,574
1,296
1,017
0
31 Mar 15
3,671
1,400
191
0
31 Dec 14
3,549
1,287
179
0
30 Sep 14
3,556
1,292
1,743
0
Quality Earnings: 0DU3 has a large one-off loss of PLN3.6B impacting its last 12 months of financial results to 31st March, 2025.
Growing Profit Margin: 0DU3's current net profit margins (23.1%) are higher than last year (1.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: 0DU3's earnings have grown significantly by 22.3% per year over the past 5 years.
Accelerating Growth: 0DU3's earnings growth over the past year (1768.6%) exceeds its 5-year average (22.3% per year).
Earnings vs Industry: 0DU3 earnings growth over the past year (1768.6%) exceeded the Banks industry 11.9%.
Return on Equity
High ROE: 0DU3's Return on Equity (14.5%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2025/07/05 20:06
End of Day Share Price
2025/04/07 00:00
Earnings
2025/03/31
Annual Earnings
2024/12/31
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.
* 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 20 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.