mBank (BREJY) Cyclically Adjusted FCF per Share: $0.45 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BREJY mBank SA BREJY
61 GF Score
Price $4.42
GF Value $2.36
! 7 Warning Signs
View Full Analysis

What is mBank Cyclically Adjusted FCF per Share?

mBank BREJY 61 Cyclically Adjusted FCF per Share is $0.45 as of Jun. 2026. GuruFocus rates BREJY with a GF Score™ of 61/100 and a GF Value™ of $2.36. The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

mBank's adjusted free cash flow per share for the three months ended in Jun. 2026 was $0.219. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $0.45 for the trailing ten years ended in Jun. 2026.

During the past 12 months, mBank's average Cyclically Adjusted FCF Growth Rate was -38.20% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 12.60% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 26.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of mBank was 51.00% per year. The lowest was 12.10% per year. And the median was 30.80% per year.

As of today (2026-09-15), mBank's current stock price is $4.42. mBank's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was $0.45. mBank's Cyclically Adjusted Price-to-FCF of today is 9.89.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of mBank was 23.34. The lowest was 1.94. And the median was 6.83.


mBank  (OTCPK:BREJY) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

mBank's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=4.42/0.447
=9.89

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of mBank was 23.34. The lowest was 1.94. And the median was 6.83.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


mBank Cyclically Adjusted FCF per Share Related Terms


mBank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for mBank's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

mBank Cyclically Adjusted FCF per Share Chart

mBank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.45 0.60 0.56 0.46 0.39

mBank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.38 0.43 0.40 0.48 0.45

mBank Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, mBank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


mBank Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, mBank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where mBank's Cyclically Adjusted Price-to-FCF falls into.


BREJY
61GF Score
mBank SA BREJY
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

mBank Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, mBank's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.219/162.2800*162.2800
=0.219

Current CPI (Jun. 2026) = 162.2800.

mBank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -0.056 99.064 -0.092
201612 0.427 100.366 0.690
201703 -0.060 101.018 -0.096
201706 0.026 101.180 0.042
201709 0.084 101.343 0.135
201712 0.145 102.564 0.229
201803 0.124 102.564 0.196
201806 -0.012 103.378 -0.019
201809 0.216 103.378 0.339
201812 0.117 103.785 0.183
201903 -0.127 104.274 -0.198
201906 0.076 105.983 0.116
201909 0.459 105.983 0.703
201912 -0.025 107.123 -0.038
202003 0.277 109.076 0.412
202006 -0.028 109.402 -0.042
202009 0.220 109.320 0.327
202012 0.338 109.565 0.501
202103 0.169 112.658 0.243
202106 0.087 113.960 0.124
202109 -0.140 115.588 -0.197
202112 -0.298 119.088 -0.406
202203 0.500 125.031 0.649
202206 -0.188 131.705 -0.232
202209 -0.468 135.531 -0.560
202212 0.151 139.113 0.176
202303 -0.012 145.950 -0.013
202306 -0.065 147.009 -0.072
202309 0.067 146.113 0.074
202312 -0.050 147.741 -0.055
202403 -0.064 149.044 -0.070
202406 0.201 150.997 0.216
202409 0.130 153.439 0.137
202412 -0.409 154.660 -0.429
202503 0.157 157.021 0.162
202506 0.169 157.509 0.174
202509 0.200 158.000 0.205
202512 0.058 158.320 0.059
202603 0.678 163.070 0.675
202606 0.219 162.280 0.219

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $0.45 mean?
mBank (BREJY) has a Cyclically Adjusted FCF per Share of $0.45 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on mBank and its competitors.
Is mBank's Cyclically Adjusted FCF per Share too high?
mBank's current Cyclically Adjusted FCF per Share is $0.45. Overall, mBank has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does mBank's Cyclically Adjusted FCF per Share compare to competitors?
mBank's Cyclically Adjusted FCF per Share of $0.45 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on mBank and its competitors. mBank's current Cyclically Adjusted FCF per Share is $0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is mBank stock overvalued right now?
mBank (BREJY) has a current Cyclically Adjusted FCF per Share of $0.45. The stock's GF Value™ is $2.36, compared to a current price of $4.42 — trading 87.3% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $0.45. mBank's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For mBank (BREJY), the current Cyclically Adjusted FCF per Share is $0.45 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is mBank (BREJY) Overvalued in 2026?

Based on GuruFocus' analysis, mBank stock appears to be overvalued. The current stock price of $4.42 is trading 87.3% above its estimated GF Value™ of $2.36.

Key valuation signals for BREJY:

  • Cyclically Adjusted FCF per Share: $0.45
  • GF Value™: $2.36 vs. price of $4.42 (87.3% above fair value)
  • GF Score™: 61/100 with 7 warning signs

No single metric tells the full story. See the BREJY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


mBank Business Description

Other Exchanges MBK:PolandBRU:Germany
Address 18 Prosta Street, Warsaw, POL, 00-850
mBank SA is a financial services group operating in Poland, as well as the Czech Republic and Slovakia. Its primary business is retail, corporate, and investment banking, but the company also conducts leasing, factoring, and wealth management operations, among other financial services. The group offers insurance policies through a strategic partnership. The bank plans to emphasize customer service, particularly in the development of its banking solutions. The group conducts its business segments in The Retail Banking segment, The Corporate and Investment Banking segment, The Treasury and Other segments, and the FX Mortgage Loans segment and the majority of its revenue is generated from the retail banking segment.
61GF Score

Get the complete analysis for BREJY

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.42
Price
$2.36
GF Value