mBank SA (MBK) — Cash Flow-to-Debt Ratio
Latest as of June 2026:
-0.02x
mBank SA (MBK) has a Cash Flow-to-Debt Ratio of -0.02x as of June 2026, meaning its operating cash flow of zł-6.02 Billion could theoretically repay 0% of its total liabilities (zł281.04 Billion) in one year. See mBank SA (MBK) financial flexibility to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
-0.02x
Operating CF / Total Liabilities
Operating Cash Flow
zł-6.02 Billion
PLN
Total Liabilities
zł281.04 Billion
PLN
Data as of
Jun 2026
Most recent filing
mBank SA Cash Flow-to-Debt Ratio (2002–2025)
Historical debt coverage capacity for mBank SA across 24 annual periods. For the full cash flow conversion analysis, see mBank SA (MBK) cash flow conversion.
Annual Cash Flow-to-Debt Ratio for mBank SA (2002–2025)
Year-by-year debt coverage analysis for mBank SA. Check MBK cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (PLN) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | zł2.73 Billion | zł258.54 Billion | ▲ +256.8% |
| 2024 | -0.01x | zł-1.53 Billion | zł228.19 Billion | ▼ -107.4% |
| 2023 | 0.09x | zł19.50 Billion | zł213.24 Billion | ▲ +125.8% |
| 2022 | 0.04x | zł7.99 Billion | zł197.18 Billion | ▼ -30.8% |
| 2021 | 0.06x | zł10.80 Billion | zł184.66 Billion | ▲ +614.6% |
| 2020 | 0.01x | zł1.33 Billion | zł162.20 Billion | ▲ +250.6% |
| 2019 | -0.01x | zł-723.62 Million | zł133.11 Billion | ▼ -162.7% |
| 2018 | 0.01x | zł1.13 Billion | zł130.61 Billion | ▲ +135.6% |
| 2017 | -0.02x | zł-2.86 Billion | zł117.33 Billion | ▼ -135.1% |
| 2016 | 0.07x | zł8.36 Billion | zł120.69 Billion | ▲ +10.2% |
| 2015 | 0.06x | zł6.99 Billion | zł111.25 Billion | ▲ +1293.9% |
| 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 | zł82.96 Billion | ▼ -126.4% |
| 2009 | -0.01x | zł-670.75 Million | zł76.75 Billion | ▲ +91.3% |
| 2008 | -0.10x | zł-7.91 Billion | zł78.56 Billion | ▲ +16.4% |
| 2007 | -0.12x | zł-5.46 Billion | zł45.33 Billion | ▼ -114.3% |
| 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 | — |
Cash Flow-to-Debt Ratio = Operating Cash Flow / Total Liabilities. Higher is better for debt service capacity.