mBank Forecast | Price, Price Target & Analyst Assessment

mBank

WSE:MBK

zł 1.250,00

+ zł58,00 (4,87%)

1.250,00 zł

+zł58,00 (4,87%)

End-of-day quote: 05/14/2026

mBank Stock Value

The current analyst recommendation for mBank is: Underperform.

Underperform

mBank Company Info

EPS Growth 5Y

102,42%

Market Cap

zł53,16 B

Long-Term Debt

zł16,71 B

Quarterly earnings

04/30/2026

Dividend

zł0,00

Dividend Yield

0,00%

Founded

1986

Industry

Financials

Country

Poland

Website

mBank

ISIN Number

PLBRE0000012

Website

http://www.mbank.pl

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

zł1.046,00

-16.32%

Last Update: 05/15/2026

Analysts: 8

Highest Price Target zł1.224,00

Average Price Target zł1.046,00

Lowest Price Target zł855,00

In the last five quarters, mBank’s Price Target has risen from zł359,87 to zł533,54 - a 48,26% increase. One analysts predict that mBank’s share price will fall in the coming year, reaching zł1.046,00. This would represent a decrease of -16,32%.

Top growth stocks in the financials sector (5Y.)

What does mBank do?

mBank S.A. Group is a leading financial institution in Poland, providing a comprehensive range of banking services to both individual and corporate customers. The company has established itself as a digital pioneer in the banking sector. The distinct focus on digital transformation is at the core of the company's ethos, allowing it to offer sophisticated banking services in both retail and corporate segments efficiently. Business Segments The company operates primarily through three business s...

Business Segments

The company operates primarily through three business segments: Retail Banking, Corporate Banking, and Investment Banking.

Retail Banking focuses on providing services to individual clients, including current and savings accounts, personal loans, mortgages, and credit cards. Understanding the increasing demand for digital convenience, the company offers an array of online and mobile banking services that allow customers to manage their finances effortlessly. It concentrates on enhancing customer experience by integrating cutting-edge technology and streamlining service delivery.

Corporate Banking is dedicated to serving businesses ranging from small and medium-sized enterprises (SMEs) to large corporations. The company provides specialized services, including financing solutions, currency services, and payment processing. The company takes pride in its relationship-driven approach, ensuring that corporate clients receive personalized advice and comprehensive support in navigating complex financial landscapes.

Investment Banking encompasses a variety of advisory and capital-market services, including mergers and acquisitions (M&A), equity and debt capital markets (ECM and DCM), and other investment-related services. The company is committed to leveraging its expertise to assist clients in achieving their financial objectives, whether through capital raising, strategic investment, or navigating market complexities.

Business Strategy

The strategic vision of the company encompasses several key elements focus on ensuring long-term growth and profitability. The company is committed to maintaining its technological advantage, ensuring that it remains at the forefront of innovation in the banking sector. This is achieved through ongoing investments in technology, which allows for flexibility and scalability to adapt swiftly to changing business needs.

Furthermore, the company emphasizes the importance of customer satisfaction and engagement as cornerstone principles. The strategy focuses on deepening customer relationships by providing tailored financial solutions that meet the specific needs of individual and corporate clients. This includes adopting a customer-centric approach by leveraging data analytics to understand customer behavior better and predict their financial needs.

In addition, the company strives to optimize its operational efficiency, targeting a reduction in the cost-to-income ratio through disciplined cost management. The company is dedicated to adhering to the highest standards of corporate governance, risk management, and regulatory compliance to fortify its reputation in the financial market.

Products and Services

The company offers a comprehensive suite of products and services tailored to the diverse needs of its clientele.

Retail Products

Individual customers access a variety of banking services designed for their everyday financial needs. These include checking and savings accounts, mortgage loans, personal loans, and credit and debit cards. The company also emphasizes internet and mobile banking functionality, allowing customers to manage accounts, conduct transactions, and access financial advice at their convenience.

Corporate Products

For corporate clients, the company provides various financing solutions, including term loans, working capital financing, and trade finance. Additionally, the company offers tailored advisory services that help businesses navigate the complexities of corporate finance, investment decisions, and capital-raising efforts.

Investment Banking

The company's investment banking segment provides clients with sophisticated advisory services, ranging from M&A advisory to capital market transactions. The company works closely with clients to devise strategies that align with their financial goals and market conditions.

Geographical Markets Served

The company primarily serves the Polish market but has also made strides in expanding its geographical footprint in Central and Eastern Europe. The company leverages its digital capabilities to offer banking services beyond traditional boundaries, enabling customers to access financial solutions efficiently from various regions.

Customers

The company serves a diverse clientele that includes individual consumers, small and medium-sized enterprises, and large corporate entities. The company has garnered a substantial customer base, providing services to millions of individual customers and thousands of corporate clients, thereby establishing itself as a trusted banking partner in Poland.

Sales and Marketing

The company employs a multi-faceted approach to sales and marketing. It combines traditional marketing techniques with modern digital strategies, utilizing online platforms, social media, and direct engagements to reach potential customers. The company's marketing strategies focus on emphasizing its digital banking capabilities, innovative product offerings, and commitment to customer satisfaction.

History

The company S.A. was incorporated in 1986. It was incorporated in 1986. The company was formerly known as BRE Bank S.A. and changed its name to mBank S.A. in 2013.

mBank Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**top 3 industries:** 1. **banking services:** approx. 70% 2. **insurance services:** approx. 20% 3. **investment and asset management:** approx. 10% **top 3 markets:** 1. **poland:** approx. 85% 2. **czech republic:** approx. 10% 3. **slovakia:** approx. 5% mbank s.a. generates the majority of it...

At which locations are the company’s products manufactured?

**production:** mbank s.a. is a financial services company and does not produce physical products. mbank s.a. is one of the largest banks in poland and offers a variety of financial services, including bank accounts, loans, investments, and insurance. as a financial institution, mbank focuses on pr...

What strategy does mBank pursue for future growth?

**revenue growth:** estimated 7-9% annually (2025-2027) **strategic focus areas:** 1. **digital transformation:** mbank s.a. is increasingly focusing on digitizing its services to enhance customer experience and improve operational efficiency. this includes investments in mobile banking technologie...

Which raw materials are imported and from which countries?

i'm sorry, but i do not have specific information about which commodities or materials mbank s.a. imports or from which countries. mbank s.a. is a bank and financial services company, and typically such companies do not import physical commodities or materials as they mainly offer financial ser...

How strong is the company’s competitive advantage?

**market share in poland:** approx. 8% (2024) **customer satisfaction:** 85% (2024, internal survey) **digital transformation:** leading in the sector (2023) mbank s.a. has established itself as one of the leading banks in poland, holding a market share of about 8%. its competitive advantage lies p...

What is the share of institutional investors and insider buying/selling?

**institutional investor share:** 68% (estimated for 2025) **insider purchases:** no significant purchases in the last year **insider sales:** moderate in the last year the institutional investor share in mbank s.a. is estimated to be around 68%. this demonstrates the confidence of institutiona...

What percentage market share does mBank have?

**market share of mbank s.a.:** 8% (2025, estimated) **top competitors and their market shares:** 1. **pko bank polski:** 20% 2. **pekao s.a.:** 15% 3. **santander bank polska:** 12% 4. **ing bank Śląski:** 10% 5. **mbank s.a.:** 8% 6. **bnp paribas bank polska:** 7% 7. **bank millennium:** 6% 8. *...

Is mBank stock currently a good investment?

**revenue growth:** 7.5% (2024) **profit growth:** 5.2% (2024) **return on equity (roe):** 9.8% (2024) **customer growth:** 4.1% (2024) mbank s.a. shows solid revenue and profit growth, indicating a stable business development. the revenue growth of 7.5% in 2024 suggests that the bank was able to f...

Does mBank pay a dividend – and how reliable is the payout?

**dividend:** no payout (2025) mbank s.a. has not paid any dividends in recent years. this is in line with the strategy of many banks that use their profits to strengthen their capital base, especially in a volatile economic environment. the reliability of mbank's dividend policy is currently...

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mBank Stock Value

mBank Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does mBank do?

mBank Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

mBank Stock Value

mBank Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does mBank do?

mBank Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.