mBank (WAR:MBK) Margin of Safety % (DCF Earnings Based): -49.31% (As of Jun. 24, 2026)


WAR:MBK mBank SA WAR:MBK
67 GF Score
Price zł1,412.00
GF Value zł732.24
Valuation Significantly Overvalued
! 6 Warning Signs
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What is mBank Margin of Safety % (DCF Earnings Based)?

mBank WAR:MBK +0.14% 67 Margin of Safety % (DCF Earnings Based) is -49.31% as of Jun. 24, 2026. GuruFocus rates WAR:MBK with a GF Score™ of 67/100 and a GF Value™ of zł732.24 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), mBank's Predictability Rank is 3-Stars. mBank's intrinsic value calculated from the Discounted Earnings model is zł945.66 and current share price is zł1412.00. Consequently,

mBank's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -49.31%.

WAR:MBK vs PNC: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, mBank's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, mBank's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where mBank's Margin of Safety % (DCF Earnings Based) falls into.


WAR:MBK
67GF Score
mBank SA WAR:MBK
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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mBank Margin of Safety % (DCF Earnings Based) Calculation

mBank's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(945.66-1412.00)/945.66
=-49.31 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of -49.31% mean?
mBank (WAR:MBK) has a Margin of Safety % (DCF Earnings Based) of -49.31% as of Jun. 24, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on mBank.
Is mBank's Margin of Safety % (DCF Earnings Based) too high?
mBank's current Margin of Safety % (DCF Earnings Based) is -49.31%. 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 Margin of Safety % (DCF Earnings Based) compare to PNC?
mBank's Margin of Safety % (DCF Earnings Based) of -49.31% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on mBank. mBank's current Margin of Safety % (DCF Earnings Based) is -49.31%. 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 Margin of Safety % (DCF Earnings Based) is -49.31%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For mBank (WAR:MBK), the current Margin of Safety % (DCF Earnings Based) is -49.31% as of Jun. 24, 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:

  • Margin of Safety % (DCF Earnings Based): -49.31%
  • GF Value™: zł732.24 vs. price of zł1,412.00 (92.8% above fair value)
  • GF Score™: 67/100 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

Other Exchanges BRU: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.
67GF Score

Get the complete analysis for WAR:MBK

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł1,412.00
Price
zł732.24
GF Value