mBank SA (MBK) — Free Cash Flow Generation Index
Latest as of December 2025:
0.98x
mBank SA (MBK) has a Free Cash Flow Generation Index of 0.98x as of December 2025. Free cash flow of zł15.27 Billion represents 1% of operating cash flow (zł15.51 Billion). See mBank SA current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
0.98x
Free Cash Flow / Operating CF
Free Cash Flow
zł15.27 Billion
PLN
Operating Cash Flow
zł15.51 Billion
PLN
Capital Expenditures
zł242.89 Million
PLN
mBank SA Free Cash Flow Generation Index (2003–2025)
Historical FCF Generation Index trend for mBank SA across 14 annual periods. Explore cash flow to debt ratio of mBank SA to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for mBank SA (2003–2025)
Year-by-year Free Cash Flow Generation Index for mBank SA. For the full company profile including market capitalisation, see mBank SA market cap and net worth.
| Year | FCG Index | Free Cash Flow (PLN) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.78x | zł3.07 Billion | zł3.94 Billion | zł869.12 Million | ▲ +113.6% |
| 2024 | -5.72x | zł-2.44 Billion | zł425.77 Million | zł903.16 Million | ▼ -21204.1% |
| 2023 | -0.03x | zł-217.31 Million | zł8.09 Billion | zł718.50 Million | ▼ -102.9% |
| 2022 | 0.93x | zł7.46 Billion | zł8.03 Billion | zł563.11 Million | ▼ -1.6% |
| 2021 | 0.95x | zł10.21 Billion | zł10.80 Billion | zł589.40 Million | ▲ +69.9% |
| 2019 | 0.56x | zł628.29 Million | zł1.13 Billion | zł500.76 Million | ▲ +9.8% |
| 2018 | 0.51x | zł574.17 Million | zł1.13 Billion | zł558.57 Million | ▼ -46.9% |
| 2016 | 0.96x | zł7.98 Billion | zł8.36 Billion | zł375.63 Million | ▲ +0.4% |
| 2015 | 0.95x | zł6.70 Billion | zł7.05 Billion | zł342.94 Million | ▲ +98.8% |
| 2014 | 0.48x | zł230.62 Million | zł481.92 Million | zł251.30 Million | ▼ -48.3% |
| 2012 | 0.92x | zł3.28 Billion | zł3.55 Billion | zł266.85 Million | ▲ +14.5% |
| 2011 | 0.81x | zł1.29 Billion | zł1.59 Billion | zł306.24 Million | ▲ +41.2% |
| 2004 | 0.57x | zł271.92 Million | zł475.34 Million | zł203.41 Million | ▼ -38.5% |
| 2003 | 0.93x | zł2.27 Billion | zł2.44 Billion | zł172.06 Million | — |
FCG Index = Free Cash Flow / Operating Cash Flow. FCF = Operating CF + Capital Expenditures (capex stored negative).