mBank Valuation
Is 0DU3 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
0/6Valuation Score 0/6
Below Fair Value
Significantly Below Fair Value
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of 0DU3 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate 0DU3's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate 0DU3's fair value for valuation analysis.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 0DU3?
Other financial metrics that can be useful for relative valuation.
| What is 0DU3's n/a Ratio? | |
|---|---|
| n/a | 0x |
| n/a | n/a |
| Market Cap | zł28.79b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | 37x |
Price to Book Ratio vs Peers
How does 0DU3's PB Ratio compare to its peers?
| Company | Forward PB | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 1.2x | ||
TCS TCS Group Holding | 1.8x | n/a | US$5.1b |
HSBK Halyk Bank of Kazakhstan | 0.9x | 7.9% | US$5.1b |
VMUK Virgin Money UK | 0.5x | 15.7% | UK£2.8b |
BGEO Bank of Georgia Group | 1.6x | 8.0% | UK£2.4b |
0DU3 mBank | 2.1x | 32.4% | zł28.8b |
Price-To-Book vs Peers: 0DU3 is expensive based on its Price-To-Book Ratio (2.1x) compared to the peer average (1.2x).
Price to Earnings Ratio vs Industry
How does 0DU3's PE Ratio compare vs other companies in the European Banks Industry?
Price-To-Book vs Industry: 0DU3 is expensive based on its Price-To-Book Ratio (2.1x) compared to the European Banks industry average (0.8x).
Price to Book Ratio vs Fair Ratio
What is 0DU3's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PB Ratio | 2.1x |
| Fair PB Ratio | n/a |
Price-To-Book vs Fair Ratio: Insufficient data to calculate 0DU3's Price-To-Book Fair Ratio for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | n/a | zł690.78 0% | 11.9% | zł783.90 | zł560.00 | n/a | 5 |
| Apr ’25 | n/a | zł677.78 0% | 15.4% | zł783.90 | zł495.00 | n/a | 5 |
| Mar ’25 | n/a | zł571.83 0% | 13.6% | zł671.00 | zł462.00 | n/a | 6 |
| Feb ’25 | n/a | zł533.54 0% | 17.5% | zł664.00 | zł377.00 | n/a | 7 |
| Jan ’25 | n/a | zł533.54 0% | 17.5% | zł664.00 | zł377.00 | n/a | 7 |
| Dec ’24 | n/a | zł524.40 0% | 17.5% | zł664.00 | zł377.00 | n/a | 7 |
| Nov ’24 | n/a | zł471.83 0% | 18.8% | zł637.80 | zł360.00 | n/a | 7 |
| Oct ’24 | n/a | zł466.26 0% | 18.7% | zł637.80 | zł360.00 | n/a | 7 |
| Sep ’24 | n/a | zł439.97 0% | 19.6% | zł637.80 | zł360.00 | n/a | 7 |
| Aug ’24 | n/a | zł442.54 0% | 19.3% | zł637.80 | zł360.00 | n/a | 7 |
| Jul ’24 | n/a | zł404.17 0% | 8.5% | zł462.00 | zł360.00 | n/a | 6 |
| Jun ’24 | zł352.80 | zł385.83 +9.4% | 13.4% | zł462.00 | zł300.00 | n/a | 6 |
| May ’24 | zł354.61 | zł383.50 +8.1% | 13.0% | zł462.00 | zł300.00 | n/a | 6 |
| Apr ’24 | zł298.80 | zł343.50 +15.0% | 17.1% | zł428.00 | zł245.00 | n/a | 6 |
| Mar ’24 | n/a | zł343.33 0% | 17.1% | zł428.00 | zł245.00 | n/a | 6 |
| Feb ’24 | zł316.43 | zł343.33 +8.5% | 17.1% | zł428.00 | zł245.00 | n/a | 6 |
| Jan ’24 | n/a | zł334.67 0% | 16.7% | zł428.00 | zł245.00 | n/a | 6 |
| Dec ’23 | n/a | zł322.67 0% | 17.7% | zł417.00 | zł245.00 | n/a | 6 |
| Nov ’23 | zł265.56 | zł310.40 +16.9% | 16.7% | zł393.00 | zł245.00 | n/a | 5 |
| Oct ’23 | zł216.20 | zł334.13 +54.5% | 21.3% | zł452.80 | zł245.00 | n/a | 6 |
| Sep ’23 | zł230.30 | zł336.30 +46.0% | 20.7% | zł452.80 | zł245.00 | n/a | 6 |
| Aug ’23 | n/a | zł394.30 0% | 24.5% | zł575.00 | zł297.00 | n/a | 6 |
| Jul ’23 | n/a | zł394.25 0% | 24.5% | zł575.00 | zł297.00 | n/a | 6 |
| Jun ’23 | n/a | zł440.97 0% | 15.0% | zł575.00 | zł385.00 | zł352.80 | 6 |
| May ’23 | zł295.67 | zł440.97 +49.1% | 15.0% | zł575.00 | zł385.00 | zł354.61 | 6 |
| Apr ’23 | zł365.53 | zł445.30 +21.8% | 14.4% | zł575.00 | zł385.00 | zł298.80 | 6 |
Analyst Forecast: Target price is less than 20% higher than the current share price.