FCF Margin % is calculated as Free Cash Flow divided by its Revenue. mBank's Free Cash Flow for the
three
months ended in Mar. 2026 was zł-16,778 Mil. mBank's Revenue for the
three
months ended in Mar. 2026 was zł3,157 Mil. Therefore, mBank's FCF Margin % for the quarter that ended in Mar. 2026 was -531.45%.
The historical rank and industry rank for mBank's FCF Margin % or its related term are showing as below:
WAR:MBK'
s FCF Margin % Range Over the Past 10 Years
Min: -73.13 Med: 18.74 Max: 177.68
Current: 32.33
During the past 13 years, the highest FCF Margin % of mBank was 177.68%. The lowest was -73.13%. And the median was 18.74%.
WAR:MBK's FCF Margin % is ranked better than 60.13% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs WAR:MBK: 32.33
mBank FCF Margin % Related Terms
mBank FCF Margin % Historical Data
* Premium members only.
The historical data trend for mBank's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, mBank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where mBank's FCF Margin % falls into.
* 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 FCF Margin % of -531.45% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on mBank and its competitors. According to the industry distribution chart, mBank ranks #600 out of 1505 companies in the Banks industry, placing it in the top 39.9%.
Is mBank's FCF Margin % too high?
mBank's current FCF Margin % is -531.45%. Based on the distribution chart, mBank ranks #600 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, mBank has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does mBank's FCF Margin % compare to PNC?
According to the Banks industry distribution chart, mBank ranks #600 out of 1505 companies for FCF Margin %. This puts mBank in the upper half of its industry. The industry median FCF Margin % is 26.42. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on mBank and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. mBank's current FCF Margin % is -531.45%. 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?
Based on GuruFocus' analysis, mBank (WAR:MBK) is currently considered Significantly Overvalued. The stock's GF Value™ is zł732.24, compared to a current price of zł1,412.00 — trading 92.8% above its estimated fair value. The current FCF Margin % is -531.45%. mBank's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For mBank (WAR:MBK), the current FCF Margin % is -531.45% as of Mar. 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 zł1,412.00 is trading 92.8% above its estimated GF Value™ of zł732.24.
GuruFocus considers mBank to be Significantly Overvalued.
Key valuation signals for WAR:MBK:
FCF Margin %: -531.45%
GF Value™: zł732.24 vs. price of zł1,412.00 (92.8% above fair value)
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.
67GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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