MONETA Money Bank Valuation

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

Valuation Score

3/6

Valuation Score 3/6

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 (CZK111) is trading below our estimate of fair value (CZK234.54)

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?

Other financial metrics that can be useful for relative valuation.

The above table shows the n/a ratio for MONET. This is calculated by dividing MONET's market cap by their current preferred multiple.
What is MONET's n/a Ratio?
n/a	0x
n/a	n/a
Market Cap	Kč56.72b

MONET key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	4.3x

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.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	13.6x
KOMB Komercní banka	10.5x	4.8%	Kč145.3b
BPAN4 Banco Pan	21.3x	36.7%	R$13.5b
ABQK Ahli Bank Q.P.S.C	11.6x	9.7%	ر.ق9.5b
TISCO TISCO Financial Group	11.1x	1.6%	฿79.3b
MONET MONETA Money Bank	10.5x	2.4%	Kč56.7b

Price-To-Earnings vs Peers: MONET is good value based on its Price-To-Earnings Ratio (10.5x) compared to the peer average (13.6x).

Price to Earnings Ratio vs Industry

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

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	0.4%
	n/a	n/a	n/a

Fetching data

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	0.4%
	n/a	n/a	n/a

No more companies

Price-To-Earnings vs Industry: MONET is expensive based on its Price-To-Earnings Ratio (10.5x) compared to the European Banks industry average (7.5x).

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 Ratio	10.5x
Fair PE Ratio	9.9x

Price-To-Earnings vs Fair Ratio: MONET is expensive based on its Price-To-Earnings Ratio (10.5x) compared to the estimated Fair Price-To-Earnings Ratio (9.9x).

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.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	Kč111.00	Kč110.94 -0.05%	7.2%	Kč122.00	Kč98.00	n/a	9
Sep ’25	Kč109.00	Kč110.94 +1.8%	7.2%	Kč122.00	Kč98.00	n/a	9
Aug ’25	Kč106.80	Kč107.94 +1.1%	7.8%	Kč120.00	Kč90.10	n/a	10
Jul ’25	Kč102.20	Kč105.26 +3.0%	6.8%	Kč117.00	Kč90.10	n/a	9
Jun ’25	Kč99.60	Kč105.59 +6.0%	6.9%	Kč117.00	Kč90.10	n/a	9
May ’25	Kč95.10	Kč104.48 +9.9%	6.9%	Kč117.00	Kč90.10	n/a	9
Apr ’25	Kč102.00	Kč103.70 +1.7%	7.3%	Kč117.00	Kč90.10	n/a	9
Mar ’25	Kč102.60	Kč103.70 +1.1%	7.3%	Kč117.00	Kč90.10	n/a	9
Feb ’25	Kč100.20	Kč102.02 +1.8%	6.7%	Kč117.00	Kč90.10	n/a	10
Jan ’25	Kč93.60	Kč99.42 +6.2%	9.5%	Kč117.00	Kč84.80	n/a	9
Dec ’24	Kč89.50	Kč98.31 +9.8%	9.2%	Kč117.00	Kč84.80	n/a	9
Nov ’24	Kč89.30	Kč96.25 +7.8%	6.7%	Kč104.60	Kč84.80	n/a	9
Oct ’24	Kč83.80	Kč94.04 +12.2%	7.2%	Kč104.60	Kč84.80	n/a	10
Sep ’24	Kč83.70	Kč93.99 +12.3%	7.1%	Kč104.60	Kč84.80	Kč109.00	10
Aug ’24	Kč85.80	Kč92.64 +8.0%	6.8%	Kč104.60	Kč84.80	Kč106.80	10
Jul ’24	Kč79.80	Kč90.15 +13.0%	9.0%	Kč104.60	Kč80.00	Kč102.20	10
Jun ’24	Kč79.00	Kč91.28 +15.5%	8.5%	Kč104.60	Kč80.00	Kč99.60	9
May ’24	Kč78.30	Kč91.61 +17.0%	8.0%	Kč104.60	Kč83.00	Kč95.10	9
Apr ’24	Kč87.00	Kč90.91 +4.5%	7.6%	Kč104.00	Kč83.00	Kč102.00	8
Mar ’24	Kč84.60	Kč90.91 +7.5%	7.6%	Kč104.00	Kč83.00	Kč102.60	8
Feb ’24	Kč80.00	Kč89.39 +11.7%	8.9%	Kč104.00	Kč81.00	Kč100.20	8
Jan ’24	Kč76.00	Kč91.14 +19.9%	10.9%	Kč109.00	Kč81.00	Kč93.60	8
Dec ’23	Kč72.40	Kč94.98 +31.2%	13.7%	Kč115.00	Kč81.00	Kč89.50	9
Nov ’23	Kč71.90	Kč95.76 +33.2%	13.1%	Kč115.00	Kč81.00	Kč89.30	9
Oct ’23	Kč70.60	Kč99.78 +41.3%	11.3%	Kč117.00	Kč83.00	Kč83.80	10
Sep ’23	Kč75.90	Kč99.78 +31.5%	11.3%	Kč117.00	Kč83.00	Kč83.70	10

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