mBank SA (MBK) — Cash Flow-to-Debt Ratio
mBank SA (MBK) has a Cash Flow-to-Debt Ratio of -0.06x as of March 2026, meaning its operating cash flow of zł-16.49 Billion could theoretically repay 0% of its total liabilities (zł268.22 Billion) in one year. See cash generation quality of mBank SA to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
mBank SA Cash Flow-to-Debt Ratio (2002–2025)
Historical debt coverage capacity for mBank SA across 24 annual periods. Also explore mBank SA equity growth rate to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for mBank SA (2002–2025)
Year-by-year debt coverage analysis for mBank SA. For market capitalisation and broader financial context, see how much is mBank SA worth.
| Year | CF-to-Debt Ratio | Operating CF (PLN) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | zł3.94 Billion | zł258.84 Billion | ▲ +715.3% |
| 2024 | 0.00x | zł425.77 Million | zł228.19 Billion | ▼ -95.1% |
| 2023 | 0.04x | zł8.09 Billion | zł213.24 Billion | ▼ -6.8% |
| 2022 | 0.04x | zł8.03 Billion | zł197.18 Billion | ▼ -30.0% |
| 2021 | 0.06x | zł10.80 Billion | zł185.82 Billion | ▲ +430.5% |
| 2020 | -0.02x | zł-2.74 Billion | zł155.54 Billion | ▼ -322.1% |
| 2019 | 0.01x | zł1.13 Billion | zł142.57 Billion | ▼ -8.7% |
| 2018 | 0.01x | zł1.13 Billion | zł130.53 Billion | ▲ +135.6% |
| 2017 | -0.02x | zł-2.86 Billion | zł117.13 Billion | ▼ -135.2% |
| 2016 | 0.07x | zł8.36 Billion | zł120.69 Billion | ▲ +9.3% |
| 2015 | 0.06x | zł7.05 Billion | zł111.25 Billion | ▲ +1305.0% |
| 2014 | 0.00x | zł481.92 Million | zł106.91 Billion | ▲ +148.6% |
| 2013 | -0.01x | zł-871.52 Million | zł94.03 Billion | ▼ -124.1% |
| 2012 | 0.04x | zł3.55 Billion | zł92.53 Billion | ▲ +118.5% |
| 2011 | 0.02x | zł1.59 Billion | zł90.80 Billion | ▲ +188.8% |
| 2010 | -0.02x | zł-1.64 Billion | zł82.97 Billion | ▼ -126.4% |
| 2009 | -0.01x | zł-670.77 Million | zł76.75 Billion | ▲ +91.3% |
| 2008 | -0.10x | zł-7.91 Billion | zł78.56 Billion | ▼ -2.3% |
| 2007 | -0.10x | zł-4.46 Billion | zł45.33 Billion | ▼ -75.2% |
| 2006 | -0.06x | zł-1.94 Billion | zł34.51 Billion | ▲ +20.4% |
| 2005 | -0.07x | zł-2.16 Billion | zł30.64 Billion | ▼ -557.6% |
| 2004 | 0.02x | zł475.34 Million | zł30.80 Billion | ▼ -81.8% |
| 2003 | 0.08x | zł2.44 Billion | zł28.84 Billion | ▲ +239.7% |
| 2002 | -0.06x | zł-1.56 Billion | zł25.73 Billion | — |