mBank (WAR:MBK) Moat Score: 0/10 (As of Jul. 03, 2026)


WAR:MBK mBank SA WAR:MBK
66 GF Score
Price zł1,389.00
GF Value zł731.58
Valuation Significantly Overvalued
! 6 Warning Signs
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What is mBank Moat Score?

mBank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

mBank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes mBank might have No Moat - No discernible moat.

mBank  (WAR:MBK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

mBank Moat Score Related Terms

WAR:MBK
66GF Score
mBank SA WAR:MBK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is mBank (WAR:MBK) Overvalued in 2026?

Based on GuruFocus' analysis, mBank stock appears to be overvalued. The current stock price of zł1,389.00 is trading 89.9% above its estimated GF Value™ of zł731.58. GuruFocus considers mBank to be Significantly Overvalued.

Key valuation signals for WAR:MBK:

  • Moat Score: 0
  • GF Value™: zł731.58 vs. price of zł1,389.00 (89.9% 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

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.
66GF Score

Get the complete analysis for WAR:MBK

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł1,389.00
Price
zł731.58
GF Value