mBank
zł 1,391.00Change from previous close: −1.24%Absolute change: −zł 17.50
At a glance
- Revenue growth
- +3.14%
- 2025 vs 2024
- Net income growth
- +57.96%
- 2025 vs 2024
- Net margin
- 29.5%
- 2024: 19.3%
Financial data
Amounts in millions of PLN; per-share values in PLN; shares in millions.
| Item | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -17,418 | -24,456 | 306 | -4,061 | -3,116 | -17,427 | 2,609 | -3,045 | -7,182 | -9,319 | 17,565 | -8,759 |
| Depreciation and amortization | 173 | 162 | 185 | 167 | 175 | — | — | — | — | — | — | — |
| Capital expenditure | -183 | -288 | -243 | -235 | -189 | -202 | -274 | -230 | -191 | -207 | -176 | -182 |
| Investing cash flow | -107 | -273 | -223 | -219 | -33.0 | -181 | -274 | -203 | -160 | -220 | -160 | -169 |
| Financing cash flow | 12,262 | 7,776 | 18,429 | 5,442 | 7,236 | -2,351 | 8,447 | 7,443 | 4,508 | -2,628 | -141 | 11,980 |
| Debt issued | 3,681 | 278 | 3,763 | 0.2 | 2,399 | — | 420 | 2,138 | 98.5 | — | — | 4,491 |
| Debt repaid | -2,566 | -383 | -423 | -2,794 | -87.0 | -2,054 | -710 | -238 | -369 | -303 | -601 | -888 |
| Effect of exchange rates | 3.0 | 9.0 | -3.5 | 13.8 | -12.0 | — | 5.7 | -8.9 | 5.2 | 0.5 | -13.6 | 18.0 |
| Net change in cash | -5,260 | -16,944 | 18,509 | 1,176 | 4,075 | -19,959 | 10,788 | 4,186 | -2,829 | -12,167 | 17,251 | 3,070 |
| Free cash flow | -17,601 | -24,744 | 63.3 | -4,296 | -3,305 | -17,629 | 2,334 | -3,275 | -7,374 | -9,527 | 17,389 | -8,940 |