mBank Geçmiş Kazanç Performansı
Geçmiş kriter kontrolleri 3/6
mBank yıllık ortalama 62.1% oranında kazançlarını artırırken, Banks sektöründe kazançlar growing at 38.6% annual. Gelirler growing yılda ortalama 19% oranında artmaktadır. mBank'in özkaynak karlılığı 17% ve net marjı 31.3%'dir.
Anahtar bilgiler
62.09%
Kazanç büyüme oranı
62.06%
EPS büyüme oranı
| Banks Sektör Büyümesi | 9.91% |
| Gelir büyüme oranı | 18.96% |
| Özkaynak getirisi | 16.98% |
| Net Marj | 31.27% |
| Sonraki Kazanç Güncellemesi | 29 Jul 2026 |
Yakın geçmiş performans güncellemeleri
Recent updates
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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).Analiz Makalesi • 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...Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Analiz Makalesi • Jul 19
Is Now The Time To Put mBank (WSE:MBK) On Your Watchlist?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Yeni Anlatı • 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.Gelir ve Gider Dağılımı
Gelir ve Gider Dağılımı
mBank nasıl para kazanır ve harcar. LTM bazında en son bildirilen kazançlara dayanmaktadır.
Kazanç ve Gelir Geçmişi
| Tarih | Gelir | Kazançlar | G+A Giderleri | Ar-Ge Giderleri |
|---|---|---|---|---|
| 31 Mar 26 | 12,120 | 3,791 | 940 | 0 |
| 31 Dec 25 | 12,000 | 3,544 | 923 | 0 |
| 30 Sep 25 | 12,054 | 3,488 | 902 | 0 |
| 30 Jun 25 | 12,024 | 3,224 | 868 | 0 |
| 31 Mar 25 | 11,821 | 2,687 | 832 | 0 |
| 31 Dec 24 | 11,634 | 2,243 | 821 | 0 |
| 30 Sep 24 | 11,151 | 1,237 | 3,106 | 0 |
| 30 Jun 24 | 10,727 | 581 | 3,069 | 0 |
| 31 Mar 24 | 10,369 | 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 |
Kaliteli Kazançlar: MBK büyük bir tek seferlik zarar ile PLN1.5B, 31st March, 2026 tarihine ait son 12 aylık mali sonuçları etkiliyor.
Büyüyen Kar Marjı: MBK 'nin mevcut net kar marjları (31.3%) geçen yılın (22.7%) sinden daha yüksektir.
Serbest Nakit Akışı ve Kazanç Analizi
Geçmiş Kazanç Büyüme Analizi
Kazanç Eğilimi: MBK şirketinin kazançları son 5 yılda yılda 62.1% oranında önemli ölçüde arttı.
Büyüme Hızlandırma: MBK 'un son bir yıldaki kazanç büyümesi ( 41.1% ) 5 yıllık ortalamasının ( 62.1% /yıl) altındadır.
Kazançlar vs. Sektör: MBK geçen yılki kazanç büyümesi ( 41.1% ) Banks sektörünün 6.4% değerini aştı.
Özkaynak Getirisi
Yüksek ROE: MBK 'nin Özsermaye Getirisi ( 17% ) düşük olarak değerlendiriliyor.
Varlık Getirisi
Kullanılan Sermaye Getirisi
Geçmişte güçlü performans gösteren şirketleri keşfedin
Şirket Analizi ve Finansal Veri Durumu
| Veri | Son Güncelleme (UTC saati) |
|---|---|
| Şirket Analizi | 2026/07/17 19:04 |
| Gün Sonu Hisse Fiyatı | 2026/07/17 00:00 |
| Kazançlar | 2026/03/31 |
| Yıllık Kazançlar | 2025/12/31 |
Veri Kaynakları
Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.
| Paket | Veri | Zaman Çerçevesi | Örnek ABD Kaynağı * |
|---|---|---|---|
| Şirket Finansalları | 10 yıl |
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| Analist Konsensüs Tahminleri | +3 yıl |
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| Piyasa Fiyatları | 30 yıl |
| |
| Sahiplik | 10 yıl |
| |
| Yönetim | 10 yıl |
| |
| Önemli Gelişmeler | 10 yıl |
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* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.
Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.
Analiz Modeli ve Kar Tanesi
Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına Github sayfamızdan ulaşabilirsiniz; ayrıca raporlarımızı nasıl kullanacağınıza dair kılavuzlarımız ve YouTube’da eğitim videolarımız da bulunmaktadır.
Simply Wall St analiz modelini tasarlayan ve oluşturan dünya standartlarındaki ekip hakkında bilgi edinin.
Endüstri ve Sektör Metrikleri
Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.
Analist Kaynakları
mBank S.A. 20 Bu analistlerden 5, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.
| Analist | Kurum |
|---|---|
| Andrzej Powierza | Citigroup Inc |
| Gabor Kemeny | ConCorde Securities Ltd. |
| Kazim Andaç | Deutsche Bank |