Moneta Money Bank AS (MONET) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Moneta Money Bank AS stock CZK 121, price CZK 189, that is 36.1% below the price, quality 59 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Moneta Money Bank AS
MONET · PROur calculation puts a fair price 36% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range 48.75 CZK – 202.98 CZK · fair‑value band 90.51 CZK – 150.85 CZK · the 188.80 CZK price screens above the 120.68 CZK fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
MONETA Money Bank, a.s., together with its subsidiaries, offers banking and financial products and services in the Czech Republic, Cyprus, the United States, the United Kingdom, and worldwide. It operates through Commercial Clients, Retail Clients, and Treasury/Other segments.
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Its deposit products include current, building saving, and savings accounts; term deposits; and transactional banking products such as payment services and debit cards.
It also provides lending products, such as mortgages; unsecured lending products comprising consumer and auto loans, credit cards, personal overdrafts, building savings loans, and bridging loans; and commercial lending products that include working capital, investment loans, finance leases and loans, auto loans, and inventory financing, as well as financing of small businesses and entrepreneurs through guarantees, letters of credit, and foreign exchange transactions.
In addition, the company intermediates additional payment protection insurance, which covers the customer's monthly loan payment in the event of unemployment, accident, or sickness; and acts as the intermediary to provide its customers with other insurance and investment products.
Further, it is involved in the foreign exchange transactions, interest rate swaps, debt securities investment, equity investments, and other non"interest bearing assets activities, as well as provision of debit and credit cards.
Additionally, the company offers domestic and foreign payments services, insurance and investment funds, merchant acquiring services, and treasury and trade finance products.
It serves retail customers, small and medium-sized enterprises, corporate clients, and financial and public sector institutions. It operates through a network of branches and ATMs. The company was formerly known as GE Money Bank, a.s. and changed its name to MONETA Money Bank, a.s. in May 2016.
MONETA Money Bank, a.s. was incorporated in 1998 and is based in Prague, the Czech Republic.
Stock analysis
Moneta Money Bank AS (MONET) currently trades at 188.80 CZK, while our model-based Fair Value estimate is 120.68 CZK, 36% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of 224.08 CZK per share, and 2 of the 6 models we run sit above the 188.80 CZK price.
Bear case: the Asset-Based group reads lowest at 36.36 CZK, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 90.51 CZK (bear) to 150.85 CZK (bull), the price of 188.80 CZK sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 59/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Moneta Money Bank AS reported revenue of 13.9B CZK in FY2025 versus 11.2B CZK in FY2021, a compound +5.6%/yr. Reported net income was 6.5B CZK in FY2025, compounding +13.0%/yr from FY2021.
Key figures
Market cap 96.5B CZK (≈ $4.4B) Mid · P/E ratio 13.6 · P/S ratio 6.81 · EPS (TTM) 13.93 CZK · Dividend yield 6.1% · Net margin 50.2% · Return on equity 21.5% · Return on assets (EBIT) 2.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (medium confidence).
What moves the price
The share trades about 7% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −36%, MONET screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
MONET screens overvalued: fair value 36% below the price. Compare with China Merchants Bank Co →
Compare Moneta Money Bank AS with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/S ratio by industry
- EBIT margin by industry
- Stock screener with 62 metrics
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs MONET |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs MONET |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs MONET |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs MONET |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs MONET |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs MONET |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs MONET |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs MONET |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs MONET |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs MONET |
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Frequently asked questions
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Key figures of Moneta Money Bank AS
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