QM · rank #15 · 2026-09-09
MBK
GPW · PLN · $16.20B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +47.41% |
|---|---|
| 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). | $16.20B |
| Anchor (recent) Close on 2026-08-10 | $1,417.50 |
| 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 quarterly profits driven by strong net interest income and rapid loan and deposit growth.
Rationale
The 47% trailing momentum signal is directly reinforced by fundamental quality — ROE of 18%, profit margin of 32%, record Q2 2026 net profit, and sharply declining CHF legal costs that were a persistent earnings drag, creating a credible earnings re-rating catalyst.
Material risks
- 1Residual CHF mortgage litigation remains the single most thesis-breaking risk; an adverse Polish or EU court ruling could rapidly reverse the declining legal cost trend and materially impair the earnings trajectory underpinning both the quality and momentum signals.
- 2Polish rate cuts threaten NIM compression from the current ~3.47% level, and management's guidance of "roughly stable" NIM is contingent on a rate path that could deteriorate faster than expected, directly pressuring net interest income which drives the bulk of profitability.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.