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.
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.
mBankWAR:MBK +0.43%61 Equity-to-Asset is 0.08 as of Jun. 2026, which is at its 10-year median of 0.08. GuruFocus rates WAR:MBK with a GF Score™ of 61/100 and a GF Value™ of zł781.22 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,521 Banks companies, mBank ranks worse than 66.34% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. mBank's Total Stockholders Equity for the quarter that ended in Jun. 2026 was zł23,360 Mil. mBank's Total Assets for the quarter that ended in Jun. 2026 was zł304,402 Mil.
Therefore, mBank's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.08.
The historical rank and industry rank for mBank's Equity-to-Asset or its related term are showing as below:
WAR:MBK'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.08 Max: 0.11
Current: 0.08
During the past 13 years, the highest Equity to Asset Ratio of mBank was 0.11. The lowest was 0.06. And the median was 0.08.
WAR:MBK's Equity-to-Asset is ranked worse than 66.34% of 1521
companies
in the Banks industry
Industry Median: 0.1
vs WAR:MBK: 0.08
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
mBank Equity-to-Asset Related Terms
mBank Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for mBank's Equity-to-Asset 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.
For the Banks - Regional subindustry, mBank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, mBank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where mBank's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
mBank's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (WAR:MBK) has a Equity-to-Asset of 0.08 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on mBank and its competitors. This is near median its historical median of 0.08. Over the past decade, mBank's Equity-to-Asset has ranged from 0.06 to 0.11. According to the industry distribution chart, mBank ranks #1009 out of 1521 companies in the Banks industry, placing it in the top 66.3%.
Is mBank's Equity-to-Asset too high?
mBank's current Equity-to-Asset of 0.08 is near median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. mBank's value of 0.08 is 20% below this industry median. Based on the distribution chart, mBank ranks #1009 out of 1521 companies in the Banks industry, which is below the industry midpoint. Overall, mBank has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does mBank's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, mBank ranks #1009 out of 1521 companies for Equity-to-Asset. This places mBank in the lower half of its industry. The industry median Equity-to-Asset is 0.10. mBank's value of 0.08 is 20% below this benchmark. Historically, mBank's own Equity-to-Asset has ranged from 0.06 to 0.11 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, mBank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. mBank's current Equity-to-Asset of 0.08 is 20% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on mBank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. mBank's current Equity-to-Asset is 0.08, which is near median its own 10-year median of 0.08. 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?
Based on GuruFocus' analysis, mBank (WAR:MBK) is currently considered Significantly Overvalued. The stock's GF Value™ is zł781.22, compared to a current price of zł1,408.50 — trading 80.3% above its estimated fair value. The current Equity-to-Asset is 0.08, which is near median its 10-year median of 0.08 and 20% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For mBank (WAR:MBK), the current Equity-to-Asset is 0.08 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 (WAR:MBK) Overvalued in 2026?
Based on GuruFocus' analysis, mBank stock appears to be overvalued.
The current stock price of zł1,408.50 is trading 80.3% above its estimated GF Value™ of zł781.22.
GuruFocus considers mBank to be Significantly Overvalued.
Key valuation signals for WAR:MBK:
Equity-to-Asset: 0.08 (near median its 10-year median of 0.08)
GF Value™: zł781.22 vs. price of zł1,408.50 (80.3% above fair value)
Industry Position: 20% below the Banks median (#1009 of 1521)
No single metric tells the full story. See the WAR:MBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 WAR:MBK
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WAR:MBK has been successfully added to your 
