MONETA Money Bank, a.s.

SEP:MONET Stock Report

Market Cap: Kč63.3b

MONETA Money Bank Valuation

Is MONET undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of MONET when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: MONET (CZK123.8) is trading below our estimate of fair value (CZK172.16)

Significantly Below Fair Value: MONET is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for MONET?

Key metric: As MONET is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for MONET. This is calculated by dividing MONET's market cap by their current earnings.
What is MONET's PE Ratio?
PE Ratio11.6x
EarningsKč5.46b
Market CapKč63.26b

Price to Earnings Ratio vs Peers

How does MONET's PE Ratio compare to its peers?

The above table shows the PE ratio for MONET vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average9.9x
KOMB Komercní banka
10.2x-0.8%Kč161.1b
PNBN Bank Pan Indonesia
18.8xn/aRp43.3t
SCOTIABKCL Scotiabank Chile
6.3xn/aCL$2.8t
009789111 BGL BNP Paribas
4.3xn/a€2.5b
MONET MONETA Money Bank
11.6x1.8%Kč63.3b

Price-To-Earnings vs Peers: MONET is expensive based on its Price-To-Earnings Ratio (11.6x) compared to the peer average (9.9x).

Price to Earnings Ratio vs Industry

How does MONET's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
MONET 11.6xIndustry Avg. 7.8xNo. of Companies42PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: MONET is expensive based on its Price-To-Earnings Ratio (11.6x) compared to the European Banks industry average (7.8x).

Price to Earnings Ratio vs Fair Ratio

What is MONET's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

MONET PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.6x
Fair PE Ratio10.7x

Price-To-Earnings vs Fair Ratio: MONET is expensive based on its Price-To-Earnings Ratio (11.6x) compared to the estimated Fair Price-To-Earnings Ratio (10.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst MONET forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentKč123.80
Kč113.81
-8.1%
7.2%Kč128.35Kč104.00n/a6
Dec ’25Kč123.00
Kč112.42
-8.6%
5.3%Kč120.00Kč104.00n/a6
Nov ’25Kč119.00
Kč112.69
-5.3%
7.5%Kč122.00Kč98.00n/a8
Oct ’25Kč111.40
Kč110.94
-0.4%
7.2%Kč122.00Kč98.00n/a9
Sep ’25Kč109.00
Kč110.94
+1.8%
7.2%Kč122.00Kč98.00n/a9
Aug ’25Kč106.80
Kč107.94
+1.1%
7.8%Kč120.00Kč90.10n/a10
Jul ’25Kč102.20
Kč105.26
+3.0%
6.8%Kč117.00Kč90.10n/a9
Jun ’25Kč99.60
Kč105.59
+6.0%
6.9%Kč117.00Kč90.10n/a9
May ’25Kč95.10
Kč104.48
+9.9%
6.9%Kč117.00Kč90.10n/a9
Apr ’25Kč102.00
Kč103.70
+1.7%
7.3%Kč117.00Kč90.10n/a9
Mar ’25Kč102.60
Kč103.70
+1.1%
7.3%Kč117.00Kč90.10n/a9
Feb ’25Kč100.20
Kč102.02
+1.8%
6.7%Kč117.00Kč90.10n/a10
Jan ’25Kč93.60
Kč99.42
+6.2%
9.5%Kč117.00Kč84.80Kč123.809
Dec ’24Kč89.50
Kč98.31
+9.8%
9.2%Kč117.00Kč84.80Kč123.009
Nov ’24Kč89.30
Kč96.25
+7.8%
6.7%Kč104.60Kč84.80Kč119.009
Oct ’24Kč83.80
Kč94.04
+12.2%
7.2%Kč104.60Kč84.80Kč111.4010
Sep ’24Kč83.70
Kč93.99
+12.3%
7.1%Kč104.60Kč84.80Kč109.0010
Aug ’24Kč85.80
Kč92.64
+8.0%
6.8%Kč104.60Kč84.80Kč106.8010
Jul ’24Kč79.80
Kč90.15
+13.0%
9.0%Kč104.60Kč80.00Kč102.2010
Jun ’24Kč79.00
Kč91.28
+15.5%
8.5%Kč104.60Kč80.00Kč99.609
May ’24Kč78.30
Kč91.61
+17.0%
8.0%Kč104.60Kč83.00Kč95.109
Apr ’24Kč87.00
Kč90.91
+4.5%
7.6%Kč104.00Kč83.00Kč102.008
Mar ’24Kč84.60
Kč90.91
+7.5%
7.6%Kč104.00Kč83.00Kč102.608
Feb ’24Kč80.00
Kč89.39
+11.7%
8.9%Kč104.00Kč81.00Kč100.208
Jan ’24Kč76.00
Kč91.14
+19.9%
10.9%Kč109.00Kč81.00Kč93.608

Analyst Forecast: Target price is lower than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 10:50
End of Day Share Price 2025/01/02 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

MONETA Money Bank, a.s. is covered by 15 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kamil KliszczBiuro maklerskie mBanku
Olga VeselovaBofA Global Research
Andrzej PowierzaCitigroup Inc