mBankWAR:MBK +0.14%67 ROA % is 1.34% as of Mar. 2026, which is 79% above its 10-year median of 0.75. 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. Among 1,529 Banks companies, mBank ranks better than 74.95% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. mBank's annualizedNet Income for the quarter that ended in Mar. 2026 was zł3,812 Mil.
mBank's average Total Assets over the quarter that ended in Mar. 2026 was zł285,400 Mil. Therefore, mBank's annualized ROA % for the quarter that ended in Mar. 2026 was 1.34%.
The historical rank and industry rank for mBank's ROA % or its related term are showing as below:
WAR:MBK'
s ROA % Range Over the Past 10 Years
Min: -0.62 Med: 0.75 Max: 1.42
Current: 1.42
During the past 13 years, mBank's highest ROA % was 1.42%. The lowest was -0.62%. And the median was 0.75%.
WAR:MBK's ROA % is ranked better than 74.95% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs WAR:MBK: 1.42
mBank (WAR:MBK) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
mBank ROA % Related Terms
mBank ROA % Historical Data
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The historical data trend for mBank's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, mBank's ROA % distribution charts can be found below:
* The bar in red indicates where mBank's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
mBank (WAR:MBK) has a ROA % of 1.34% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on mBank and its competitors. This is 79% above median its historical median of 0.75. According to the industry distribution chart, mBank ranks #383 out of 1529 companies in the Banks industry, placing it in the top 25%.
Is mBank's ROA % too high?
mBank's current ROA % of 1.34% is 79% above median its 10-year median of 0.75. The Banks industry median ROA % is 0.98. mBank's value of 1.34% is 36.7% above this industry median. Based on the distribution chart, mBank ranks #383 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 ROA % compare to PNC?
According to the Banks industry distribution chart, mBank ranks #383 out of 1529 companies for ROA %. This places mBank in the top 25% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. mBank's value of 1.34% is 36.7% above this benchmark. While the company's 10-year median is 0.75 vs. the industry median of 0.98, mBank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. mBank's current ROA % of 1.34% is 36.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on mBank and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. mBank's current ROA % is 1.34%, which is 79% above median its own 10-year median of 0.75. 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 ROA % is 1.34%, which is 79% above median its 10-year median of 0.75 and 36.7% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For mBank (WAR:MBK), the current ROA % is 1.34% 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:
ROA %: 1.34% (79% above median its 10-year median of 0.75)
GF Value™: zł732.24 vs. price of zł1,412.00 (92.8% above fair value)
Industry Position: 36.7% above the Banks median (#383 of 1529)
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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