mBank (LTS:0DU3) Cyclically Adjusted FCF per Share: zł0.00 (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.

LTS:0DU3 mBank SA LTS:0DU3
62 GF Score
Price zł197.80
GF Value zł110.77
! 6 Warning Signs
View Full Analysis

What is mBank Cyclically Adjusted FCF per Share?

mBank LTS:0DU3 62 Cyclically Adjusted FCF per Share is zł0.00 as of Jun. 2026. GuruFocus rates LTS:0DU3 with a GF Score™ of 62/100 and a GF Value™ of zł110.77. The stock has 6 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 zł-145.646. 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 zł0.00 for the trailing ten years ended in Jun. 2026.

During the past 12 months, mBank's average Cyclically Adjusted FCF Growth Rate was -17.70% 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 (2026-07-29), mBank's current stock price is zł197.80. mBank's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was zł0.00. mBank's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of mBank was 20.82. The lowest was 1.94. And the median was 6.75.


mBank  (LTS:0DU3) 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of mBank was 20.82. The lowest was 1.94. And the median was 6.75.


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 30.40 57.56 51.34 49.81 22.92

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 25.06 21.23 22.92 16.05 0.00

LTS:0DU3 vs PNC: Cyclically Adjusted FCF per Share 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.


LTS:0DU3
62GF Score
mBank SA LTS:0DU3
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)
=-145.646/163.2300*163.2300
=-145.646

Current CPI (Jun. 2026) = 163.2300.

mBank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -25.088 99.064 -41.338
201612 154.810 100.366 251.774
201703 -57.897 101.018 -93.553
201706 -33.591 101.180 -54.191
201709 -41.407 101.343 -66.693
201712 54.474 102.564 86.695
201803 127.080 102.564 202.247
201806 -109.541 103.378 -172.961
201809 52.470 103.378 82.848
201812 -56.425 103.785 -88.743
201903 44.523 104.274 69.696
201906 28.867 105.983 44.460
201909 38.028 105.983 58.569
201912 -135.717 107.123 -206.801
202003 64.851 109.076 97.048
202006 90.566 109.402 135.127
202009 -6.853 109.320 -10.232
202012 -130.240 109.565 -194.033
202103 372.980 112.658 540.412
202106 53.582 113.960 76.748
202109 58.646 115.588 82.818
202112 -244.026 119.088 -334.478
202203 133.396 125.031 174.151
202206 -63.880 131.705 -79.170
202209 212.597 135.531 256.046
202212 -106.566 139.113 -125.041
202303 59.231 145.950 66.244
202306 -26.794 147.009 -29.751
202309 -12.076 146.113 -13.491
202312 415.007 147.741 458.516
202403 -277.451 149.044 -303.860
202406 -60.093 150.997 -64.961
202409 54.429 153.439 57.902
202412 225.839 154.660 238.353
202503 -418.691 157.021 -435.248
202506 42.445 157.509 43.987
202509 89.652 158.000 92.620
202512 358.718 158.320 369.843
202603 -394.007 163.070 -394.394
202606 -145.646 163.230 -145.646

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 zł0.00 mean?
mBank (LTS:0DU3) has a Cyclically Adjusted FCF per Share of zł0.00 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 zł0.00. Overall, mBank has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does mBank's Cyclically Adjusted FCF per Share compare to PNC?
mBank's Cyclically Adjusted FCF per Share of zł0.00 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 zł0.00. 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 (LTS:0DU3) has a current Cyclically Adjusted FCF per Share of zł0.00. The stock's GF Value™ is zł110.77, compared to a current price of zł197.80 — trading 78.6% above its estimated fair value. The current Cyclically Adjusted FCF per Share is zł0.00. mBank's overall GF Score™ is 62/100 with 6 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 (LTS:0DU3), the current Cyclically Adjusted FCF per Share is zł0.00 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 (LTS:0DU3) Overvalued in 2026?

Based on GuruFocus' analysis, mBank stock appears to be overvalued. The current stock price of zł197.80 is trading 78.6% above its estimated GF Value™ of zł110.77.

Key valuation signals for LTS:0DU3:

  • Cyclically Adjusted FCF per Share: zł0.00
  • GF Value™: zł110.77 vs. price of zł197.80 (78.6% above fair value)
  • GF Score™: 62/100 with 6 warning signs

No single metric tells the full story. See the LTS:0DU3 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.
62GF Score

Get the complete analysis for LTS:0DU3

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

zł197.80
Price
zł110.77
GF Value