mBank (WAR:MBK) LT-Debt-to-Total-Asset: 0.06 (As of Mar. 2026)

mBank WAR:MBK +1.08% 66 LT-Debt-to-Total-Asset is 0.06 as of Mar. 2026. GuruFocus rates WAR:MBK with a GF Score™ of 66/100 and a GF Value™ of zł731.51 (Significantly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. mBank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.06.

mBank's long-term debt to total assets ratio increased from Mar. 2025 (0.06) to Mar. 2026 (0.06). It may suggest that mBank is progressively becoming more dependent on debt to grow their business.

mBank (WAR:MBK) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

mBank LT-Debt-to-Total-Asset Related Terms

mBank LT-Debt-to-Total-Asset Historical Data

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The historical data trend for mBank's LT-Debt-to-Total-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.

mBank LT-Debt-to-Total-Asset Chart

mBank Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.09

0.07

mBank Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.06	0.07	0.06	0.07	0.06

66GF Score

mBank SA WAR:MBK

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mBank LT-Debt-to-Total-Asset Calculation

mBank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	18291.013	/	280253.227
	=	0.07

mBank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	18516	/	290547
	=	0.06

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.06 mean?

mBank (WAR:MBK) has a LT-Debt-to-Total-Asset of 0.06 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on mBank and its competitors.

Is mBank's LT-Debt-to-Total-Asset too high?

mBank's current LT-Debt-to-Total-Asset is 0.06. Overall, mBank has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does mBank's LT-Debt-to-Total-Asset compare to PNC?

mBank's LT-Debt-to-Total-Asset of 0.06 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on mBank and its competitors. mBank's current LT-Debt-to-Total-Asset is 0.06. 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 zł731.51, compared to a current price of zł1,404.00 — trading 91.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.06. mBank's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For mBank (WAR:MBK), the current LT-Debt-to-Total-Asset is 0.06 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 zł1,404.00 is trading 91.9% above its estimated GF Value™ of zł731.51. GuruFocus considers mBank to be Significantly Overvalued.

Key valuation signals for WAR:MBK:

LT-Debt-to-Total-Asset: 0.06
GF Value™: zł731.51 vs. price of zł1,404.00 (91.9% above fair value)
GF Score™: 66/100 with 6 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies WAR:ING WAR:PEO WAR:EBP WAR:MIL WAR:BNP WAR:BHW WAR:BOS WAR:PKO SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN XMAD:CABK PNC

Other Exchanges BRU:Germany

Address 18 Prosta Street, Warsaw, POL, 00-850

Website https://www.mbank.pl

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.

66GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł1,404.00

Price

zł731.51

GF Value

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