MONETA Money Bank, a.s., (MONET) Fair Value & Analysis
Financial Services · CZ · Market cap 100B CZK
Fair value as of: Jul 27, 2026
From 4 valuation models · updated 14 days ago
Share price +6.2% over the past month.
A solid business, but screening 15% overvalued on our models.
What matters now
- 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
60‑month range 46.74 CZK – 202.98 CZK · fair‑value band 124.04 CZK – 206.73 CZK · the 194.90 CZK price screens above the 165.39 CZK fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
MONETA Money Bank, a.s., (MONET) currently trades at 194.90 CZK, while our model-based Fair Value estimate is 165.39 CZK, implying the stock looks roughly 15.1% overvalued today. The Quality Score stands at 61/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, MONETA Money Bank, a.s., generated revenue of 13.6B CZK at a net margin of 48.6%. Revenue grew 4.7% year over year. It earns a return on equity of 20.0%. Net debt stands at 1.3B CZK. Fundamentals as of Jul 27, 2026
Our scenario range runs from 124.04 CZK (bear case) to 206.73 CZK (bull case); at 194.90 CZK, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 6% below its 52-week high and 47% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -15%, MONET screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit (110.15 CZK) versus Asset-Based (40.94 CZK). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 53 · Market factors (momentum, volatility) 78
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
MONETA Money Bank, a.s., 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.
MONET screens 15% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
Compare MONETA Money Bank, a.s., with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is MONETA Money Bank, a.s., (MONET) overvalued or undervalued?
What is the fair value of MONET?
What is the quality score of MONET?
What is the revenue of MONETA Money Bank, a.s., (MONET)?
What is the net profit margin of MONET?
Does MONETA Money Bank, a.s., pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track MONETA Money Bank, a.s., and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.