Moneta Money Bank AS (MONET) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Moneta Money Bank AS CZK 121, price CZK 193, upside -37.4%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 46.74 CZK – 202.98 CZK · fair‑value band 90.51 CZK – 150.85 CZK · the 192.70 CZK price screens above the 120.68 CZK fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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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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. 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 192.70 CZK, while our model-based Fair Value estimate is 120.68 CZK, implying the stock looks roughly 59.7% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 105.90 CZK per share, and 0 of the 4 models we run sit above the 192.70 CZK price.
Bear case: the Asset-Based group reads lowest at 40.94 CZK, and 4 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: 90.51 CZK (bear) to 150.85 CZK (bull), the price of 192.70 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 61/100 (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 98.5B CZK (≈ $4.6B) · P/E ratio 14.9 · P/S ratio 6.97 · EPS (TTM) 12.93 CZK · Dividend yield 6.0% · Net margin 46.8% · Return on equity 20.0% · Return on assets (EBIT) 2.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (medium confidence).
What moves the price
The share trades about 5% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −37%, MONET screens cheaper than that median.
Fair Value models
Bear 90.51 CZKFair Value 120.68 CZKBull 150.85 CZK
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (1.05 CZK per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.65/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+8.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.9%
Start year 2020 (pandemic). Over 10 years: +1.4% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+16.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.3%
Dividend (yield on the price)6.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.10% vs 4%, picking up
Profit margin 2017 to 2022 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.50% → 101%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+17.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+5.1%
Yearly sales growth analysts expect, extended to five years.
After inflation (Czechia: IMF forecast 2.2% a year to 2030, 4.5% from 2016 to 2025) that is about +14.8% a year for the price and +2.8% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (4 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Price, fair value, quality and upside side by side.
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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 · 1074 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside−37% · Bottom 25%
Profitability
Return on equity (TTM)20% · Top 25%
Return on assets1% · Above median
Net margin (TTM)49% · Top 25%
Operating margin (TTM)61% · Top 25%
Growth and dividend
Revenue growth5% · Below median
Dividend yield (TTM)6.0% · Top 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)14.9× · Pricier than median
P/B3.15× · Priciest 25%
P/S (TTM)7.22× · Priciest 25%
P/FCF1.4× · Cheaper than median
EV/EBITDA5.7× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)24· sector 45
PAST (return on equity)80· sector 41
HEALTH (low debt)0· sector 85
DIVIDEND (yield)100· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Moneta Money Bank AS Fair Value". https://www.fairvalue-calculator.com/stock/MONET
Frequently asked questions
Is Moneta Money Bank AS (MONET) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 120.68 CZK versus a price of 192.70 CZK, about −37% upside (overvalued).
What is the fair value of MONET?
Our model-based fair value for Moneta Money Bank AS is 120.68 CZK (as of Sep 24, 2026), built from audited fundamentals. The current price: 192.70 CZK.
What is the quality score of MONET?
Moneta Money Bank AS has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Moneta Money Bank AS (MONET)?
Our model-based price target is the fair value of 120.68 CZK (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 90.51 CZK, optimistic scenario 150.85 CZK. It is a calculation from audited fundamentals, not an analyst target.
What is the Moneta Money Bank AS stock forecast for 2026?
Our models put fair value at 120.68 CZK, about −37% upside versus a price of 192.70 CZK (overvalued). Cautious scenario 90.51 CZK, optimistic scenario 150.85 CZK. The calculation is refreshed regularly with new filings.
What is the revenue of Moneta Money Bank AS (MONET)?
Moneta Money Bank AS reported trailing-twelve-month revenue of about 13.6B CZK (latest available figure, as of Sep 24, 2026).
Does Moneta Money Bank AS pay a dividend?
Moneta Money Bank AS currently shows a dividend yield of about 5.97% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Moneta Money Bank AS (MONET)?
For today's price to be fair in a discounted-cash-flow model, Moneta Money Bank AS would have to grow free cash flow by +17.3 % per year for five years (discount rate 11.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +2.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of MONET use?
Our models discount Moneta Money Bank AS at 11.0 %: a base by market capitalisation (mid), damped by beta 0.09, country premium for Czechia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Moneta Money Bank AS that is +17.3 % per year a year over ten years, using the same discount rate (11.0 %) and the same formula as our fair value.
How much growth has Moneta Money Bank AS (MONET) delivered so far?
Over the past 5 years revenue at Moneta Money Bank AS grew +2.9 % a year. The price currently implies +17.3 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Moneta Money Bank AS (MONET) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Moneta Money Bank AS (+17.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Moneta Money Bank AS (MONET)?
The free-cash-flow yield on the price is 3.38 %: that much free cash flow Moneta Money Bank AS produces per unit of market value. When it exceeds the discount rate of our models (11.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Moneta Money Bank AS (MONET)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Moneta Money Bank AS it is 120.68 CZK per share (as of Sep 24, 2026), against a price of 192.70 CZK. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Moneta Money Bank AS stock overvalued or undervalued in 2026?
As of Sep 24, 2026, MONET trades above its calculated fair value: price 192.70 CZK, fair value 120.68 CZK, a gap of about −37% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MONET?
No. The price is what the market pays today (192.70 CZK); the fair value is what the company's own numbers justify (120.68 CZK). For Moneta Money Bank AS the two are 72.02 CZK per share apart. That gap is exactly why we show both numbers side by side.
How much is Moneta Money Bank AS worth?
The market values Moneta Money Bank AS at about 98.5B CZK (market capitalisation, as of Sep 24, 2026). Per share that is 192.70 CZK; our models calculate a fair value of 120.68 CZK per share.
What do the bullish and bearish scenarios say about MONET?
Our models span a range for Moneta Money Bank AS: cautious scenario 90.51 CZK, base 120.68 CZK, optimistic 150.85 CZK per share (as of Sep 24, 2026, price 192.70 CZK). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MONET?
Moneta Money Bank AS trades at a price-to-earnings ratio of 14.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 120.68 CZK is built from several models across several years. Other multiples: P/B 3.2, P/S 7.2, EV/EBITDA 5.7.
How solid is the balance sheet of Moneta Money Bank AS (MONET)?
Balance-sheet figures for Moneta Money Bank AS (as of Sep 24, 2026): return on equity 20.0%. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is MONET from its 52-week high?
Moneta Money Bank AS trades at 192.70 CZK, about 5% below its 52-week high of 202.98 CZK and 28% above the low of 150.51 CZK (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 120.68 CZK is for.
Which stocks are comparable to Moneta Money Bank AS?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Moneta Money Bank AS stock attractive at the current price?
The data as of Sep 24, 2026: price 192.70 CZK, calculated fair value 120.68 CZK (−37%), Quality Score 61/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MONET calculated?
We run Moneta Money Bank AS through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 120.68 CZK, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Moneta Money Bank AS itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Moneta Money Bank AS (MONET)?
The closing price on Sep 23, 2026 was 192.70 CZK. Our model-based fair value is 120.68 CZK, about −37% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Moneta Money Bank AS right now?
The price sits above even our optimistic bull case (150.85 CZK). The favourable scenario is already priced in. Solid but not exceptional quality (61/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Moneta Money Bank AS
How large is the market capitalisation of Moneta Money Bank AS (MONET)?
The market capitalisation of Moneta Money Bank AS is 98.5B CZK (≈ $4.6B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Moneta Money Bank AS (MONET)?
The price-to-sales ratio of Moneta Money Bank AS is 6.97 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Moneta Money Bank AS (MONET)?
Earnings per share at Moneta Money Bank AS are 12.93 CZK (price ÷ EPS = P/E 14.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Moneta Money Bank AS (MONET)?
The dividend yield of Moneta Money Bank AS is 6.0% (payout 88.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Moneta Money Bank AS (MONET)?
The net margin of Moneta Money Bank AS is 46.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Moneta Money Bank AS (MONET)?
The return on equity (ROE) of Moneta Money Bank AS is 20.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Moneta Money Bank AS (MONET)?
On an EBIT basis the return on assets of Moneta Money Bank AS is 2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Moneta Money Bank AS (MONET)?
The operating margin of Moneta Money Bank AS is 61.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Moneta Money Bank AS (MONET)?
Revenue at Moneta Money Bank AS is growing +4.7% versus a year earlier (3y avg +4.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Moneta Money Bank AS (MONET)?
Earnings per share at Moneta Money Bank AS are growing +8.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Moneta Money Bank AS (MONET) carry?
The net debt of Moneta Money Bank AS is 1.3B CZK (fiscal year 2025, ≈ 0.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Sep 24, 2026