mBank (LTS:0DU3) Scaled Net Operating Assets: 0.03 (As of Mar. 2026)

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LTS:0DU3 mBank SA LTS:0DU3
62 GF Score
Price zł197.80
GF Value zł101.11
! 6 Warning Signs
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What is mBank Scaled Net Operating Assets?

mBank LTS:0DU3 62 Scaled Net Operating Assets is 0.03 as of Mar. 2026. GuruFocus rates LTS:0DU3 with a GF Score™ of 62/100 and a GF Value™ of zł101.11. The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

mBank's operating assets for the quarter that ended in Mar. 2026 was zł258,293 Mil. mBank's operating liabilities for the quarter that ended in Mar. 2026 was zł249,702 Mil. mBank's Total Assets for the quarter that ended in Dec. 2025 was zł280,253 Mil. Therefore, mBank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.03.

LTS:0DU3
62GF Score
mBank SA LTS:0DU3
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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mBank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

mBank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(232137.41-240553.089)/245957.363
=-0.03

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=280253.227 - 48115.817
=232137.41

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=258844.102 - 18291.013 - 0
=240553.089

mBank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(258293-249702)/280253.227
=0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=290547 - 32254
=258293

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=268218 - 18516 - 0
=249702

* 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.

What does a Scaled Net Operating Assets of 0.03 mean?
mBank (LTS:0DU3) has a Scaled Net Operating Assets of 0.03 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on mBank and its competitors.
Is mBank's Scaled Net Operating Assets too high?
mBank's current Scaled Net Operating Assets is 0.03. Overall, mBank has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does mBank's Scaled Net Operating Assets compare to PNC?
mBank's Scaled Net Operating Assets of 0.03 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on mBank and its competitors. mBank's current Scaled Net Operating Assets is 0.03. 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?
mBank (LTS:0DU3) has a current Scaled Net Operating Assets of 0.03. The stock's GF Value™ is zł101.11, compared to a current price of zł197.80 — trading 95.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.03. mBank's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For mBank (LTS:0DU3), the current Scaled Net Operating Assets is 0.03 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 (LTS:0DU3) Overvalued in 2026?

Based on GuruFocus' analysis, mBank stock appears to be overvalued. The current stock price of zł197.80 is trading 95.6% above its estimated GF Value™ of zł101.11.

Key valuation signals for LTS:0DU3:

  • Scaled Net Operating Assets: 0.03
  • GF Value™: zł101.11 vs. price of zł197.80 (95.6% above fair value)
  • GF Score™: 62/100 with 6 warning signs

No single metric tells the full story. See the LTS:0DU3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

mBank Business Description

Other Exchanges MBK:PolandBRU: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.
62GF Score

Get the complete analysis for LTS:0DU3

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł197.80
Price
zł101.11
GF Value