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

MONETK is expensive based on its Price-To-Earnings Ratio (10.5x) compared to the peer average (5.5x).

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

MONETK is expensive based on its Price-To-Earnings Ratio (10.5x) compared to the European Banks industry average (7.6x).

What is MONETK'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.

Insufficient data to calculate MONETK's Price-To-Earnings Fair Ratio for valuation analysis.

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

MONETK (CZK100) is trading below our estimate of [[fair value]] (CZK227.84)

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

Insufficient data to show price forecast.

MONETK Stock Overview

Provides banking and financial products and services to retail customers, small and medium-sized enterprises, corporate clients, and financial and public sector institutions in the Czech Republic. More details

MONETK fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	5/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 56.1% below our estimate of its fair value

Earnings are forecast to grow 2.41% per year

Earnings grew by 13.2% over the past year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

MONETA Money Bank, a.s. Competitors

TBC Bank Group

LSE:TBCG

UK£1.7b

Bank of Georgia Group

LSE:BGEO

UK£2.0b

Halyk Bank of Kazakhstan

LSE:HSBK

US$5.4b

Close Brothers Group

LSE:CBG

UK£445.2m

Price History & Performance

Summary of share price highs, lows and changes for MONETA Money Bank
Historical stock prices
Current Share Price	Kč100.00
52 Week High	Kč100.00
52 Week Low	Kč100.00
Beta	0.53
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	31.58%

Recent updates

Shareholder Returns

	MONETK	GB Banks	GB Market
7D	0%	3.5%	1.6%
1Y	n/a	54.6%	10.2%

Return vs Industry: Insufficient data to determine how MONETK performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how MONETK performed against the UK Market.

Price Volatility

Is MONETK's price volatile compared to industry and market?
MONETK volatility
MONETK Average Weekly Movement	n/a
Banks Industry Average Movement	4.1%
Market Average Movement	4.9%
10% most volatile stocks in GB Market	11.3%
10% least volatile stocks in GB Market	2.7%

Stable Share Price: MONETK has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine MONETK's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1998	2,498	Tomas Spurny	www.moneta.cz

MONETA Money Bank, a.s., together with its subsidiaries, provides banking and financial products and services to retail customers, small and medium-sized enterprises, corporate clients, and financial and public sector institutions in the Czech Republic. The company operates through Commercial Clients, Retail Clients, and Treasury/Other segments. It offers various deposit products, including current and savings accounts, building savings, term deposits, and transactional banking products.

MONETA Money Bank, a.s. Fundamentals Summary

How do MONETA Money Bank's earnings and revenue compare to its market cap?
MONETK fundamental statistics
Market cap	Kč56.21b
Earnings (TTM)	Kč5.43b
Revenue (TTM)	Kč11.99b

10.5x

P/E Ratio

1.9x

P/B Ratio

Is MONETK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MONETK income statement (TTM)
Revenue	Kč11.99b
Cost of Revenue	Kč0
Gross Profit	Kč11.99b
Other Expenses	Kč6.56b
Earnings	Kč5.43b

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

Oct 24, 2024

Earnings per share (EPS)	10.62
Gross Margin	100.00%
Net Profit Margin	45.27%
Debt/Equity Ratio	68.9%

How did MONETK perform over the long term?

See historical performance and comparison

Dividends

8.1%

Current Dividend Yield

85%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/09/24 12:43
End of Day Share Price	2024/06/27 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 16 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Kamil Kliszcz	Biuro maklerskie mBanku
Olga Veselova	BofA Global Research
Andrzej Powierza	Citigroup Inc

MONETA Money Bank BATS-CHIXE:MONETK Stock Report