mBank S.A.
mBank S.A. Fundamental Analysis
mBank S.A. (BREJY) shows strong financial fundamentals with a PE ratio of 3.82, profit margin of 23.56%, and ROE of 18.49%. The company generates $299.2B in annual revenue with strong year-over-year growth of 10.29%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 24.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BREJY's fundamental strength across five key dimensions:
Efficiency Score
WeakBREJY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBREJY trades at attractive valuation levels.
Growth Score
ExcellentBREJY delivers strong and consistent growth momentum.
Financial Health Score
ModerateBREJY shows balanced financial health with some risks.
Profitability Score
ModerateBREJY maintains healthy but balanced margins.
Key Financial Metrics
Is BREJY Expensive or Cheap?
P/E Ratio
BREJY trades at 3.82 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BREJY's PEG of 0.72 indicates potential undervaluation.
Price to Book
The market values mBank S.A. at 0.66 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 53.71 times EBITDA. This signals the market has high growth expectations.
How Well Does BREJY Make Money?
Net Profit Margin
For every $100 in sales, mBank S.A. keeps $23.56 as profit after all expenses.
Operating Margin
Core operations generate 42.10 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $18.49 in profit for every $100 of shareholder equity.
ROA
mBank S.A. generates $1.35 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
mBank S.A. generates limited operating cash flow of $-320.06B, signaling weaker underlying cash strength.
Free Cash Flow
mBank S.A. generates weak or negative free cash flow of $-338.18B, restricting financial flexibility.
FCF Per Share
Each share generates $-19.88 in free cash annually.
FCF Yield
BREJY converts -6.29% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
3.82
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.72
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.66
vs 25 benchmark
P/S Ratio
Price to sales ratio
17.98
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.96
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.18
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How BREJY Stacks Against Its Sector Peers
| Metric | BREJY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 3.82 | 18.73 | Better (Cheaper) |
| ROE | 18.49% | 847.00% | Weak |
| Net Margin | 23.56% | 2562.00% | Weak |
| Debt/Equity | 0.96 | 0.93 | Neutral |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 1.35% | -21692.00% (disorted) | Weak |
BREJY outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews mBank S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
Declining