mBank SA (MBK) - Cash Flow Conversion Efficiency

Latest as of December 2025: 0.724x

Based on the latest financial reports, mBank SA (MBK) has a cash flow conversion efficiency ratio of 0.724x as of December 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow (zł15.51 Billion ≈ $4.27 Billion USD) by net assets (zł21.41 Billion ≈ $5.89 Billion USD). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.

mBank SA - Cash Flow Conversion Efficiency Trend (2002–2025)

This chart illustrates how mBank SA's cash flow conversion efficiency has evolved over time, based on yearly financial data. Read MBK current and long-term liabilities for a breakdown of total debt and financial obligations.

mBank SA Competitors by Cash Flow Conversion Efficiency

The table below lists competitors of mBank SA ranked by their cash flow conversion efficiency.

Company	Cash Flow Conversion Efficiency
Investment AB Latour (publ) ST:LATO-B	0.021x
Argen-X LSE:0QW0	0.008x
Hasbro Inc NASDAQ:HAS	0.713x
Unisplendour Corp Ltd SHE:000938	0.180x
Juniper Networks Inc NYSE:JNPR	0.066x
ALTEOGEN Inc KQ:196170	-0.013x
Shengyi Electronics Co. Ltd. A SHG:688183	N/A
Ovintiv Inc NYSE:OVV	0.080x

Annual Cash Flow Conversion Efficiency for mBank SA (2002–2025)

The table below shows the annual cash flow conversion efficiency of mBank SA from 2002 to 2025. For the full company profile with market capitalisation and key ratios, see MBK stock market capitalisation.

Year	Net Assets	Operating Cash Flow	Cash Flow Conversion Efficiency	Change
2025-12-31	zł21.41 Billion ≈ $5.89 Billion	zł3.94 Billion ≈ $1.08 Billion	0.184x	+667.48%
2024-12-31	zł17.77 Billion ≈ $4.89 Billion	zł425.77 Million ≈ $117.18 Million	0.024x	-95.93%
2023-12-31	zł13.74 Billion ≈ $3.78 Billion	zł8.09 Billion ≈ $2.23 Billion	0.589x	-6.75%
2022-12-31	zł12.72 Billion ≈ $3.50 Billion	zł8.03 Billion ≈ $2.21 Billion	0.631x	-19.84%
2021-12-31	zł13.72 Billion ≈ $3.78 Billion	zł10.80 Billion ≈ $2.97 Billion	0.788x	+574.00%
2020-12-31	zł16.47 Billion ≈ $4.53 Billion	zł-2.74 Billion ≈ $-753.04 Million	-0.166x	-337.72%
2019-12-31	zł16.15 Billion ≈ $4.45 Billion	zł1.13 Billion ≈ $310.73 Million	0.070x	-6.11%
2018-12-31	zł15.22 Billion ≈ $4.19 Billion	zł1.13 Billion ≈ $311.75 Million	0.074x	+137.26%
2017-12-31	zł14.29 Billion ≈ $3.93 Billion	zł-2.86 Billion ≈ $-785.80 Million	-0.200x	-131.20%
2016-12-31	zł13.05 Billion ≈ $3.59 Billion	zł8.36 Billion ≈ $2.30 Billion	0.640x	+11.57%
2015-12-31	zł12.27 Billion ≈ $3.38 Billion	zł7.05 Billion ≈ $1.94 Billion	0.574x	+1218.84%
2014-12-31	zł11.07 Billion ≈ $3.05 Billion	zł481.92 Million ≈ $132.63 Million	0.044x	+151.22%
2013-12-31	zł10.26 Billion ≈ $2.82 Billion	zł-871.52 Million ≈ $-239.86 Million	-0.085x	-123.23%
2012-12-31	zł9.71 Billion ≈ $2.67 Billion	zł3.55 Billion ≈ $977.44 Million	0.366x	+85.13%
2011-12-31	zł8.07 Billion ≈ $2.22 Billion	zł1.59 Billion ≈ $438.96 Million	0.198x	+185.19%
2010-12-31	zł7.08 Billion ≈ $1.95 Billion	zł-1.64 Billion ≈ $-451.72 Million	-0.232x	-47.67%
2009-12-31	zł4.27 Billion ≈ $1.18 Billion	zł-670.77 Million ≈ $-184.61 Million	-0.157x	+92.27%
2008-12-31	zł3.89 Billion ≈ $1.07 Billion	zł-7.91 Billion ≈ $-2.18 Billion	-2.031x	-40.25%
2007-12-31	zł3.08 Billion ≈ $847.70 Million	zł-4.46 Billion ≈ $-1.23 Billion	-1.448x	-75.77%
2006-12-31	zł2.35 Billion ≈ $647.60 Million	zł-1.94 Billion ≈ $-533.66 Million	-0.824x	+19.70%
2005-12-31	zł2.11 Billion ≈ $580.28 Million	zł-2.16 Billion ≈ $-595.53 Million	-1.026x	-515.61%
2004-12-31	zł1.92 Billion ≈ $529.77 Million	zł475.34 Million ≈ $130.82 Million	0.247x	-82.83%
2003-12-31	zł1.70 Billion ≈ $466.77 Million	zł2.44 Billion ≈ $671.47 Million	1.439x	+257.19%
2002-12-31	zł1.70 Billion ≈ $468.39 Million	zł-1.56 Billion ≈ $-428.65 Million	-0.915x	--

About mBank SA

WAR:MBK Poland Banks - Regional

Market Cap

$13.36 Billion

zł48.54 Billion PLN

Market Cap Rank

#1770 Global

#8 in Poland

Share Price

zł1141.50

Change (1 day)

+0.53%

52-Week Range

zł725.20 - zł1285.00

All Time High

zł1285.00