QM · rank #15 · 2026-09-08
MBK
GPW · PLN · $16.12B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +47.15% |
|---|---|
| ROE TTM Return on equity, trailing 12 months. | +18.1% |
| Profit margin Net profit margin, trailing 12 months. | +32.3% |
| Market cap (USD) Size filter: > $300M required (USD-equivalent). | $16.12B |
| Anchor (recent) Close on 2026-08-07 | $1,415.00 |
| Anchor (far) Close on 2025-08-08 | $961.60 |
The AI research card
Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.
Summary
mBank (MBK) is a leading Polish universal and digital bank with over PLN 300 billion in assets and 6 million clients, generating record profitability driven by strong net interest income and rapid loan and deposit growth.
Rationale
The 47% trailing momentum is directly reinforced by a fundamental catalyst — record Q2 2026 net profit, 22% ROTE, sharply declining CHF legal costs, and double-digit loan growth — making the quality-momentum pairing coherent rather than sentiment-only.
Material risks
- 1Residual CHF mortgage litigation remains the primary thesis-breaker; an adverse Supreme Court ruling or regulatory shift could rapidly reverse the recent cost decline from PLN 543M to PLN 124M and materially impair earnings quality.
- 2Polish rate cuts threaten NIM compression below the ~3.47–3.5% management target, which would slow NII growth and pressure the ROE/profit-margin metrics underpinning the quality screen.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.