US: BREJY - mBank S.A

Yield per half year: 0%
Dividend yield: 0.00%
Sector: Financials

Reporting mBank S.A

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд zł							2.54	3.2	0.1878	0.1877			1.53	-47.86
Выручка, млрд zł			4.34	4.68	4.77	5.59	5.37	6.3	8.11	9.99	12.29	12.29	8.41	18.01
Чистая прибыль, млрд zł			1.22	1.09	1.32	0.981	0.1038	-1.18	-0.7027	0.0241	2.24	2.24	0.0970	84.85
EV, млрд zł							15.71	5	-7.13	-42.26	-42.92	-42.92	-14.3200	-222.26
EBIT, млрд zł	1.65	1.61	1.63	1.52	1.8	1.56	0.4945	-0.591	-0.1082	0.9706			0.4652	-9.05
EBITDA, млрд zł	1.89	1.86	1.91	1.79	2.1	1.98	0.9613	-0.1224	0.3905	1.5			0.9419	-5.40
Баланс стоимость, млрд zł			13.02	14.29	15.21	16.15	16.47	13.72	12.71	13.74	17.77	17.77	14.88	1.53
FCF, млрд zł	0.2306	6.7	7.98	-3.32	0.5742	0.6283	-3.14	10.21	7.46	73.93			17.82	159.50
Операционный денежный поток, млрд zł	0.4819	7.05	8.36	-2.86	1.13	1.13	-2.74	10.8	8.03	31.83			9.81	94.96
Операционная прибыль, млрд zł			1.63	1.52	1.8	1.56	0.573	-0.591	-0.1082	5.9	7.87	7.87	2.73	68.87
Операционные расходы, млрд zł			2.35	2.63	2.67	2.93	2.73	3.18	4.13	10.97	4.43	4.43	5.09	10.17
CAPEX, млрд zł	0.2513	0.3429	0.3756	0.4613	0.5586	0.5008	0.404	0.5894	0.5631	2.83			0.9775	41.39

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд zł	3.75	3.76	3.76	3.75	3.75	0.1878	0.1879	0.1877	0.1877	0.1877					0.1878	-0.01
Выручка, млрд zł					1.3	2.43	2.62	2.74	2.84	4.61	4.44	16.91	18.41	13.02	11.48	23.08
Чистая прибыль, млрд zł					-2.28	0.8345	0.1428	-0.0155	-0.083	-0.0203	0.2625	1.7	2.2	4.07	1.64	-388.68
EV, млрд zł										-24.8	-10.37	-8.39	22.1	-28.17	-9.9260	2.58
EBIT, млрд zł				0.5981	-2.42	1	0.4695	0.0758	0.4623	-0.0371	0.0000	-0.000137	3.78		0.8562	118.56
EBITDA, млрд zł				0.7253	-2.3	1.13	0.5949	0.2015	0.5949	0.1125	0.1417	0.5827	4.36		1.16	48.94
Баланс стоимость, млрд zł					11.48	12.71	13.26	13.47	13.69	13.74	14.07	14.61	15.33	17.77	15.10	5.28
FCF, млрд zł				-2.71	9.02	-4.51	2.48	-1.12	-0.5128	-0.713	-0.2169	0.6811	2.31		0.3097	-235.12
Операционный денежный поток, млрд zł				-2.59	9.11	-4.35	2.64	-0.923	-0.3313	-0.0196	-0.0097	0.8726	2.54		0.6104	-250.29
Операционная прибыль, млрд zł					-2.42	1	0.4695	0.0758	0.4623	0.0000	0.0000	7.05	4.36	8.04	4.00	154.17
Операционные расходы, млрд zł					1.23	0.822	1.08	0.9487	1.05	0.6118	0.6622	2.24	12.26	4.98	4.15	52.10
CAPEX, млрд zł				0.1251	0.0975	0.1631	0.163	0.1978	0.1815	0.6933	0.2072	0.1914	0.2301		0.3007	4.86

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд zł			11.51	8.62	9.9	8.3	8.82	17.87	23.02	43	43.7	43.7	27.28	37.72
Short Term Investments zł										79.7			79.70	0.00
Long term investments zł			37	34.94	30.65	33.8	51.94	54.09	53.34	58.06			50.25	11.43
Total Receivables zł			0.4978	0.5196	0.7244	0.5461	0.7528	0.9814	1.68	2.16	0.2302	0.2302	1.16	-21.10
Total Current Assets zł			12.01	9.14	10.63	8.84	9.58	18.85	24.7	43	43.7	43.7	27.97	35.46
Чистые активы, млрд zł	0.7174	0.7445	0.7574	0.7587	0.785	1.26	1.51	1.54	1.48				1.31	13.52
Активы, млрд zł			133.74	131.42	145.75	158.72	172.01	199.54	209.89	226.98	245.96	245.96	210.88	7.41
Short Term Debt zł						4.76	3.14	6.18	3.03	0.657			3.55	-32.70
Задолженность, млрд zł			120.69	117.13	130.53	142.57	155.54	185.82	197.18	213.24	228.19	228.19	195.99	7.97
Чистый долг, млрд zł			16.26	15.4	14.83	15.31	4.09	1.05	-7.94	-43	-43.7	-43.7	-17.9000	-260.60
Долг, млрд zł							48.09	76.7	15.08	17.46			39.33	-22.38
Interest income zł			3.87	4.05	4.52	5.07	4.12	4.43	9.27	14.46			7.47	23.32
Расходы на обслуживание долга zł			1.04	0.9164	1.02	1.07	0.5808	0.3277	3.36	5.95	4.93	4.93	3.03	53.38
Чист. проц. доходы, млрд zł			2.83	3.14	3.5	4	3.54	4.1	5.91	8.48			5.21	16.22
Goodwill zł	0.0035	0.0035	0.0035	0.0035	0.0035	0.0274	0.0035	0.0242	0.0242	0.0242			0.0207	-2.45
Амортизация, млрд zł			0.2718	0.2705	0.2993	0.4235	0.4667	0.4686	0.4987	0.5331	0.5866	0.5866	0.5107	4.68
Себестоимость, млрд zł										-8.23			-8.2300	0.00
Товарно материальные запасы zł			0.3547	0.2094	0.3432	-11.14	-7.22	-16.14	-19.82	34.66			-3.9320	-225.48

	2019Q4	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд zł									28.42	23.02	36.72	22.86	32.93	43	31.48	29.15	33.43	43.7	36.15	0.32
Short Term Investments zł														79.7	56.02	7.45			47.72	-54.62
Long term investments zł					48.94	54.09	47.59	48	42.87	53.34	46.28	55.81	59.54	58.06					54.61	1.71
Total Receivables zł									0.021	1.68	0.0724	0.077	0	2.05	1.98	2.18	2.59	0.2302	1.81	-35.42
Total Current Assets zł									28.42	24.7	36.72	22.86	32.93	39.97	28.03	24.97	27.7	43.7	32.87	1.80
Чистые активы, млрд zł			1.7	1.55	1.54	1.54	1.53	1.49	1.46	1.48		1.45	1.44						1.46	-0.68
Активы, млрд zł									207.58	209.89	217.53	212.93	225.39	226.98	224.16	230.3	238.57	245.96	233.19	1.62
Short Term Debt zł								1.42	0.9375	3.03	0.8266	0.9047	0.8987	0.657	1.72	2.07	2.23		1.52	19.93
Задолженность, млрд zł									15.37	197.18	13.99	13.61	19.13	213.24	210.09	215.69	223.25	228.19	218.09	1.36
Чистый долг, млрд zł									-13.04	-7.94	-22.73	-9.25	-13.8	-25.54	-11.12	-9.15	21.38	-43.7	-13.6260	11.34
Долг, млрд zł														17.46	20.37	20.01	21.38		19.80	5.19
Interest income zł					1.09	1.29	1.72	2.33	1.87	3.35	3.59	3.66	3.84	3.69					3.63	1.95
Расходы на обслуживание долга zł									1.15	1.35	1.5	1.46	1.55	0.1981	1.2	4.76	4.82	5.19	3.23	92.16
Чист. проц. доходы, млрд zł					1	1.19	1.5	1.69	0.7242	2	2.09	2.2	2.28	2.36					2.19	3.37
Goodwill zł					0.0278	0.0242	0.0242	0.0242	0.0242	0.0242	0.0242	0.0242	0.0242	0.0242					0.0242	0.00
Амортизация, млрд zł									0.1249	0.1235	0.1253	0.1256	0.1326	0.1496	0.1417	0.5828	0.5718	0.697	0.4286	36.04
Себестоимость, млрд zł														-0.0606		-5.03			-2.5453	811.06
Товарно материальные запасы zł	0.315	0.3633				0.3066				-19.82	-19.41	-19.16	-20.41	34.66	22.55	23.89			8.31	-204.51

Share

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS			6.7	8.57	6.65	5.71	1.92	0.3582	-0.1501	0.5657	52.79		52.79	11.10	94.02
Цена акции ао							2.99	4.42	4.42	4.42	4.42	4.42	4.42	4.42	0.00
Число акций ао, млн			846.72	846.72	847.13	847.29	847.92	849.78	42.49	42.52	42.5		42.5	365.04	-45.05
FCF/акцию	0.2729	7.93	9.43	-3.92	0.6778	0.7415	-3.7	12.02	175.66	1738.6				384.66	372.08

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
EPS					-0.5703	0.212	0.0383	-0.0044	-0.0236	-0.4773	6.17	39.95	51.83	4.78		20.45	-258.54
Цена акции ао		4.42	4.42	4.42	4.42	4.42	4.42	4.42	4.42	4.42					4.42	4.42	0.00
Число акций ао, млн	848.76	849.78	849.82	849.2	848.25	42.49	42.52	42.46	42.47	42.47						42.48	-0.01
FCF/акцию				-3.19	10.63	-106.11	58.27	-26.39	-12.08	-16.79	-5.1	16.03	54.43			7.30	-235.13

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	9.36	7.64	8.65	6.07	0.6305	-8.59	-5.53	0.1819	14.24		14.24		0.1865	86.54
ROA, %	0.9117	0.8305	0.9032	0.6181	0.0604	-0.5907	-0.3348	0.011	0.9486		0.9486		0.0189	73.46
ROS, %		23.34	27.63	17.56	1.93	-18.71	-8.67	0.2407	18.25	18.25	18.25		1.87	-199.50
ROCE, %	12.53	10.67	11.83	9.63	3	-4.31	-0.8508	0.4319		0	0		1.58	-46.25
Ebit margin, %					9.21	-9.38	-1.33	9.71		0	0		2.05	1.33
Рентаб EBITDA, %	43.91	38.37	44.06	35.42	17.9	-1.94	4.82	15.05		0	0		14.25	-15.73
Чистая рентаб, %	28.08	23.34	27.63	17.56	1.93	-18.71	-8.67	0.2407	18.25		18.25		-1.3919	56.73
Operation Margin, %		32.59	37.78	27.84	10.67	-9.38	-1.33	59.07	63.99	63.99	63.99		35.27	-246.82
Доходность FCF, %					-123.67	319.36	3974.17	10005.79					3543.91	-399.91

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %					-19.86	6.56	1.08	-0.1149	-0.6065	-0.1511	1.92	12.23	15.48	27.25			11.35	-382.63
ROA, %					-1.1	0.3976	0.0657	-0.0073	-0.0368	-0.009	0.1164	0.7472	0.9396	1.68			0.6948	-384.59
ROS, %						34.41	5.45	-0.5647	-2.92	-0.4399	5.91	10.04	11.97	31.27	18.25		15.49	25.30
ROCE, %				0.3206	-1.26	7.9	0.2307	0.038	0.2241	-0.0482	-5.6E-5	-0.000178	4.93				1.02	85.56
Ebit margin, %										-0.8043	-0.000968	-0.000809	20.55				4.94	-324.83
Рентаб EBITDA, %				32.53	-176.79	46.51	22.72	7.35	20.93	2.44	3.19	3.44	23.66				10.73	2.48
Чистая рентаб, %					-175.24	34.41	5.45	-0.5647	-2.92	-0.4399	5.91	10.04	11.97	31.27			11.75	-334.61
Operation Margin, %						41.42	17.93	2.77	16.26	-0.000651	-0.000968	41.7	23.66	61.73	63.99		38.22	-1020.55
Доходность FCF, %	82.46	-276.05	150.9	-72.26	240.49	-2400.57	1318.22	-597.17	-273.21	9556.19							1520.69	-231.82

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E				24.46	-2.71	-0.2673	30.61	0.3457		0.3457		10.49	-57.34
P/BV				0.1542	0.2332	0.0148	0.0536	0.0436		0.0436		0.0999	-22.33
P/S				0.4728	0.5078	0.0232	0.0737	0.0631		0.0631		0.2281	-33.15
P/FCF				-0.8086	0.3131	0.0252	0.01	0	0	0		-0.1151	-133.35
E/P				0.0409	-0.3685	-3.74	0.1282	0	0	0		-0.9849	33.06
EV/EBIT				8.53	-2.09	65.86	-43.54	0	0	0		7.19	-250.31
EV/EBITDA				4.39	-10.08	-18.25	-28.1					-13.0100	-259.06
EV/S				0.7856	0.1958	-0.8788	-4.23	-3.49	-3.49	-3.49		-2.3786	-277.91
EV/FCF				-1.34	0.1208	-0.9546	-0.5717	0	0	0		-0.6864	-19.18
Debt/EBITDA				13.44	-154.58	38.61	11.61	0	0	0		-22.7300	-3.59
Netdebt/Ebitda	8.58	7.06	7.74	4.26	-8.54	-20.34	-28.59	0	0	0		-9.0940	-229.87
Debt/Ratio				0.0751	0.0948	0.0718	0.0769	0	0	0		0.0796	0.59
Debt/Equity				0.7844	1.38	1.19	1.27	0	12.84	12.84		3.49	74.91
Debt/Net Income				124.4	-16.05	-21.46	725.97	0	0	0		203.22	55.43
PEG									-0.000594	-0.000594		-0.0006	0.00
Бета								0	0	0
Индекс Альтмана				0.2902	0.9255	-0.071		0	0.1108	0.1108		0.3139	-21.39

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E					-1.64	0.2251	1.32	-12.13	-2.26	-9.26	5.2	0.4055	0.1725	0.1776				-0.6609	-145.35
P/BV					0.3267	0.0148	0.0142	0.0139	0.0137	0.0535	0.0531	0.0515	0.0466	0.8741				0.2158	74.84
P/S					2.88	0.0774	0.0718	0.0685	0.066	0.0574	0.0509	0.0261	0.0161	0.0192				0.0339	-19.67
P/FCF	1.21	-0.3623	0.6627	-1.38	0.4158	-0.0417	0.0759	-0.1675	-0.366	0.0105								-0.0978	-175.89
E/P	0.0071	-0.4343	0.1364	0.0612	-0.6079	4.44	0.7599	-0.0825	-0.4423	-0.108								0.9134	-147.56
EV/EBIT										669.35	241136.62	61343.35	5.84					75788.79	-69.44
EV/EBITDA										-16.49	-9.87	-5.86	4.26					-6.9900	-171.29
EV/S										-5.38	-2.33	-0.4962	1.2	-2.16		-3.49		-1.4552	8.42
EV/FCF										34.78	47.81	-12.32	9.55					19.96	-27.61
Debt/EBITDA										155.18	143.76	34.33	4.91					84.55	-57.82
Netdebt/Ebitda				-2.68	5.67	-7.04	-38.2	-45.91	-23.2	-226.92	-78.46	-15.7	4.91					-67.8740	-173.30
Debt/Ratio										0.0769	0.0909	0.0869	0.0896					0.0861	3.90
Debt/Equity										1.27	1.45	1.37	1.4			12.84		3.67	58.84
Debt/Net Income										-861.62	77.58	11.78	9.71					-190.6375	-132.58
PEG																-0.000594		-0.0006	0.00
Бета															0	0
Индекс Альтмана	0.3581	0.8828	-0.1326	-0.4156	-0.0914	-0.0762		-0.0774	-0.0407						0.1108	0.1108		0.0055	-207.77

Dividends

IFRS

Reporting Annual Quarterly

	2007	2008	2009	2010	2011	2013	2014	2016	2017	2018	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.0101	0.0123	0.0032	0.0023	0.007	0.4214	0.717	0.0082	0.0055	0.2179			0.2740	-12.36
Дивиденд											0
Див доход, ао, %											0
Дивиденды / прибыль, %	1.58	1.38	2.44	0.3438	0.6148	34.93	55.72	0.6688	0.5026	16.55			21.67	-13.88

	2010Q1	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.0023		0.0023	0.00
Дивиденды / прибыль, %	1.97		1.97	0.00

	Industry average	5 quarters average	CAGR 5

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