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Key financial summary
Financials in CZK| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | CZK bn | 12.0 | 11.1 | 12.1 | 12.2 | -0.4 | 14.4 | 15.0 | - |
| Operating profit | CZK bn | 7.64 | 7.93 | ||||||
| Net profit | CZK bn | 2.60 | 3.98 | 5.19 | 5.20 | 5.81 | 6.50 | 6.75 | 6.81 |
| EPS reported | CZK | 12.72 | 13.21 | ||||||
| Operating cashflow per share | CZK | 18.39 | 12.62 | ||||||
| Capex per share | CZK | 2.02 | 1.90 | ||||||
| FCF per share | CZK | 16.36 | 10.72 | ||||||
| Free cash flow | CZK bn | 8.36 | 5.48 | ||||||
| Net debt | CZK bn | 2.77 | 8.61 | ||||||
| Book value equity | CZK bn | 31.2 | 32.3 | ||||||
| Book value per share | CZK | 61.11 | 63.18 | ||||||
| Number of shares | m | 511 | 511 | ||||||
| DPS (TTM paid) | CZK | 15.50 | 15.50 |
Financial summary
Financials in CZK| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 15.20 | 14.13 | ||||||
| P/B LTM | x | 3.16 | 2.90 | ||||||
| P/S LTM | x | 6.85 | 6.27 | ||||||
| P/FCF LTM | x | 11.82 | 17.12 | ||||||
| EV/EBITDA LTM | x | 11.67 | 12.09 | ||||||
| EV/Sales LTM | x | 4.21 | 6.85 | ||||||
| Earnings Yield LTM | % | 6.58% | 7.08% | ||||||
| FCF Yield | % | 8.46% | 5.84% | ||||||
| Quality | |||||||||
| ROE | % | 20.82% | 21.11% | ||||||
| ROIC | % | 9.92% | 1.28% | ||||||
| Operating margin | % | 31.33% | 31.76% | ||||||
| Gross margin | % | 57.29% | 57.53% | ||||||
| FCF/Sales | % | 34.28% | 21.93% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +11.87% | +8.72% | ||||||
| Sales Growth YoY | % | - | +82.65% | ||||||
| Net Income Growth YoY | % | +11.93% | +8.95% | ||||||
| FCF Growth | % | -65.87% | -29.08% | ||||||
| Operating Profit Growth | % | +6.24% | +5.87% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 7.24% | 8.30% | ||||||
| Dividend Growth | % | +19.23% | +19.23% | ||||||
| Payout Ratio | % | 110.06% | 117.34% | ||||||
| FCF/Debt | x | 0.34 | 0.22 | ||||||
| Net Debt/EBITDA | x | 0.44 | 0.98 | ||||||
| EBIT/Net interest | x | 0.77 | 0.79 | ||||||
| Net debt/market cap | % | 2.80% | 9.19% | ||||||
| Net debt/Equity | x | 0.09 | 0.27 | ||||||
| Gross debt/equity | x | 0.79 | 0.76 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
MONETA Money Bank, a.s., together with its affiliated companies, delivers a full spectrum of banking and financial services across the Czech Republic. It caters to a diverse client base, encompassing individual consumers, small and medium-sized businesses, large corporations, and public and financial sector institutions. The bank's operations are organized into three main segments: Commercial Clients, Retail Clients, and Treasury/Other. Its product offerings include a variety of deposit accounts, such as checking and savings accounts, fixed-term deposits, and transactional banking solutions. For lending, MONETA provides secured options like home mortgages and finance leases. Unsecured credit products feature personal and auto loans, credit cards, personal overdraft facilities, building savings loans, and bridging loans. Commercial clients can access working capital and investment financing, both finance and operating leases, vehicle loans, inventory financing, and specialized support for entrepreneurs and small businesses through guarantees, letters of credit, and foreign exchange services. The bank also facilitates payment protection insurance, which provides coverage for monthly loan payments in situations of unemployment, accident, or sickness. Additionally, it acts as an intermediary for customers seeking other insurance and investment products. MONETA engages in foreign exchange transactions, interest rate swaps, and invests in debt securities and equities. It further manages non-interest-bearing assets and offers debit and credit card services. As of December 31, 2021, the company operated 154 branches and a network of 560 automated teller machines. Founded in 1998, the bank was formerly known as GE Money Bank, a.s., adopting its current name, MONETA Money Bank, a.s., in May 2016. Its headquarters are situated in Prague, Czech Republic.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
MONETA Money Bank, a.s. (MONET.PR)
Based on consensus from external analysts. Not Kvantra's opinion.
MONETA Money Bank, a.s., together with its affiliated companies, delivers a full spectrum of banking and financial services across the Czech Republic. It caters to a diverse client base, encompassing individual consumers, small and medium-sized businesses, large corporations, and public and financial sector institutions. The bank's operations are organized into three main segments: Commercial Clients, Retail Clients, and Treasury/Other. Its product offerings include a variety of deposit accounts, such as checking and savings accounts, fixed-term deposits, and transactional banking solutions. For lending, MONETA provides secured options like home mortgages and finance leases. Unsecured credit products feature personal and auto loans, credit cards, personal overdraft facilities, building savings loans, and bridging loans. Commercial clients can access working capital and investment financing, both finance and operating leases, vehicle loans, inventory financing, and specialized support for entrepreneurs and small businesses through guarantees, letters of credit, and foreign exchange services. The bank also facilitates payment protection insurance, which provides coverage for monthly loan payments in situations of unemployment, accident, or sickness. Additionally, it acts as an intermediary for customers seeking other insurance and investment products. MONETA engages in foreign exchange transactions, interest rate swaps, and invests in debt securities and equities. It further manages non-interest-bearing assets and offers debit and credit card services. As of December 31, 2021, the company operated 154 branches and a network of 560 automated teller machines. Founded in 1998, the bank was formerly known as GE Money Bank, a.s., adopting its current name, MONETA Money Bank, a.s., in May 2016. Its headquarters are situated in Prague, Czech Republic.
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