OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. mBank's Cash Flow from Operations for the
three
months ended in Mar. 2026 was zł-16,490 Mil. mBank's Revenue for the
three
months ended in Mar. 2026 was zł3,157 Mil. Therefore, mBank's OCF Margin % for the quarter that ended in Mar. 2026 was -522.33%.
The historical rank and industry rank for mBank's OCF Margin % or its related term are showing as below:
WAR:MBK'
s OCF Margin % Range Over the Past 10 Years
Min: -62.96 Med: 27.51 Max: 186.04
Current: 39.83
During the past 13 years, the highest OCF Margin % of mBank was 186.04%. The lowest was -62.96%. And the median was 27.51%.
WAR:MBK's OCF Margin % is ranked better than 65.13% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs WAR:MBK: 39.83
mBank OCF Margin % Related Terms
mBank OCF Margin % Historical Data
* Premium members only.
The historical data trend for mBank's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, mBank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where mBank's OCF 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 OCF Margin % of -522.33% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on mBank and its competitors. According to the industry distribution chart, mBank ranks #523 out of 1500 companies in the Banks industry, placing it in the top 34.9%.
Is mBank's OCF Margin % too high?
mBank's current OCF Margin % is -522.33%. Based on the distribution chart, mBank ranks #523 out of 1500 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 OCF Margin % compare to PNC?
According to the Banks industry distribution chart, mBank ranks #523 out of 1500 companies for OCF Margin %. This puts mBank in the upper half of its industry. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on mBank and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. mBank's current OCF Margin % is -522.33%. 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 zł732.17, compared to a current price of zł1,389.50 — trading 89.8% above its estimated fair value. The current OCF Margin % is -522.33%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For mBank (WAR:MBK), the current OCF Margin % is -522.33% 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 zł1,389.50 is trading 89.8% above its estimated GF Value™ of zł732.17.
GuruFocus considers mBank to be Significantly Overvalued.
Key valuation signals for WAR:MBK:
OCF Margin %: -522.33%
GF Value™: zł732.17 vs. price of zł1,389.50 (89.8% 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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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