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Financial Services

mBank S.A.(BREJY)

Live Price

Offline

$4.42

+0.00% today

Window Change

+0.00%

Window

Jun 23, 2025 โ†’ Apr 6, 2026

Market Cap
$3.76B
Revenue Growth
-17.6%
EPS Growth
+50.9%
Dividend Yield
0.0%
Partial coverage

Historical coverage is still expanding

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Coverage: 198 bars ยท Jun 23, 2025 โ†’ Apr 6, 2026

Research Briefing

A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.

Decision context

Research Snapshot

mBank S.A. (BREJY) is a Financial Services stock with a market cap of $3.76B. The stock last traded around $4.42 and up 0.0% across the available one-year price window (Jun 23, 2025 โ†’ Apr 6, 2026). Baseline metrics include revenue growth of -17.6%, EPS growth of +50.9%, a dividend yield of 0.0%. What stands out right now is revenue -17.6%, EPS +50.9%, free cash flow +172.8% with operating margin 34.2% and ROIC 1.3%. Valuation is more restrained than many high-expectation growth names at P/E 12.6 and price/sales 2.9. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines BREJY price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.

Benchmark Comparison

Normalized Performance vs SPY

Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.

1Y shared range

BREJY

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Normalized return

SPY

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S&P 500

Excess Return

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Relative to SPY

BREJY Max Drawdown

0.00%

Trailing 1Y

SPY Max Drawdown

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Trailing 1Y

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Calendar-Year Returns

Uses the longest available daily history for BREJY and SPY.

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Financial profile

mBank S.A. (BREJY)

Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.

FY Revenue

$6.3B

-22.3% YoY

FY Net Income

-$1.2B

-67.8% YoY

Free Cash Flow

$10.2B

+36.9% YoY

Revenue Growth

-17.6%

EPS Growth

+50.9%

Gross Margin

69.3%

Net Margin

23.3%

Income statement

PLN

Annual
Metric20252024202320222021
Revenue14.0B16.9B10.0B8.1B6.3B
Gross Profit8.9B12.0B18.2B8.1B6.3B
Operating Income4.8B3.0B5.9B3.2B-591M
EBITDA4.8B01.5B00
Net Income3.4B2.2B24M-703M-1.2B
EPS (Diluted)โ€”โ€”โ€”โ€”โ€”

Balance sheet

PLN

Point-in-time
Metric20252024202320222021
Cash & Equivalents40.2B43.7B43.0B23.0B17.9B
Total Assets279.8B246.0B227.0B209.9B199.5B
Total Liabilities258.5B228.2B213.2B197.2B185.8B
Shareholder Equity21.4B17.8B13.7B12.7B13.7B
Total Debt20.8B17.5B17.5B15.1B18.9B
Net Debt-19.4B-43.7B-43.0B-7.9B1.0B

Cash flow positioning

Latest Full Year

Operating Cash Flow

10.8B

+34.6% YoY

Capital Expenditures

589M

-4.7% YoY

Free Cash Flow

10.2B

+36.9% YoY

Key ratios

  • Gross Margin

    69.3%

  • Operating Margin

    34.2%

  • Net Margin

    23.3%

  • ROE

    18.1%

  • Debt / Equity

    1.02x

Next Step

Turn financials into a decision

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