mBank Ratios and Metrics

Market cap in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Dec '25 Dec 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Market Capitalization	45,141	23,254	22,719	12,560	18,361	7,592	Upgrade
Market Cap Growth	89.28%	2.36%	80.88%	-31.59%	141.84%	-53.96%	Upgrade
Last Close Price	1061.50	547.20	535.00	296.00	433.20	179.20	Upgrade
PE Ratio	12.95	10.37	944.49	-	-	73.12	Upgrade
PS Ratio	3.75	2.00	2.27	1.70	3.36	1.61	Upgrade
PB Ratio	2.21	1.31	1.65	0.99	1.34	0.46	Upgrade
P/FCF Ratio	-	-	3.08	-	-	-	Upgrade
P/OCF Ratio	-	-	2.81	-	-	-	Upgrade
Debt / Equity Ratio	0.88	1.07	1.30	1.24	1.51	1.38	Upgrade
Debt / FCF Ratio	-	-	2.42	-	-	-	Upgrade
Return on Equity (ROE)	19.51%	14.24%	0.18%	-5.32%	-7.76%	0.63%	Upgrade
Return on Assets (ROA)	1.40%	0.95%	0.01%	-0.34%	-0.63%	0.06%	Upgrade
Earnings Yield	7.73%	9.65%	0.11%	-5.59%	-6.42%	1.37%	Upgrade
FCF Yield	-51.02%	-76.72%	32.43%	-73.62%	-71.84%	-263.55%	Upgrade
Buyback Yield / Dilution	-0.04%	-0.05%	-0.28%	-0.08%	0.02%	-0.05%	Upgrade
Total Shareholder Return	-0.04%	-0.05%	-0.28%	-0.08%	0.02%	-0.05%	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.