MONETA Money Bank, a.s.

SEP:MONET Stock Report

Market Cap: Kč63.7b

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 (CZK124.6) is trading below our estimate of fair value (CZK172.75)

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 Ratio11.7x
EarningsKč5.46b
Market CapKč63.67b

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 Average9.7x
KOMB Komercní banka
9.7x1.4%Kč153.9b
PNBN Bank Pan Indonesia
18.6xn/aRp42.7t
SCOTIABKCL Scotiabank Chile
6.3xn/aCL$2.8t
009789111 BGL BNP Paribas
4.3xn/a€2.5b
MONET MONETA Money Bank
11.7x1.8%Kč63.7b

Price-To-Earnings vs Peers: MONET is expensive based on its Price-To-Earnings Ratio (11.7x) compared to the peer average (9.7x).

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 11.7xIndustry Avg. 7.3xNo. of Companies47PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: MONET is expensive based on its Price-To-Earnings Ratio (11.7x) compared to the European Banks industry average (7.3x).

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 Ratio11.7x
Fair PE Ratio10.7x

Price-To-Earnings vs Fair Ratio: MONET is expensive based on its Price-To-Earnings Ratio (11.7x) 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
CurrentKč124.60
Kč112.42
-9.8%
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%Kč117.00Kč84.80n/a9
Dec ’24Kč89.50
Kč98.31
+9.8%
9.2%Kč117.00Kč84.80n/a9
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
Dec ’23Kč72.40
Kč94.98
+31.2%
13.7%Kč115.00Kč81.00Kč89.509
Nov ’23Kč71.90
Kč95.76
+33.2%
13.1%Kč115.00Kč81.00Kč89.309

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

Discover undervalued companies