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MONETA Money Bank, a.s. (MONET.PR)
Prague, CZ
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.11% | -1.38% | +1.48% | -5.79% | -2.11% | -4.13% | +26.09% | +134.34% | +137.04% | +143.41% | +172.74% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | -1 |
| Hold | 4 | 0 |
| Sell | 3 | 0 |
| Strong Sell | 1 | 0 |
-
Revenue growth+88.9% Q1'26: +83.6% (vs Q1'25)
-
EPS growth+11.9% Q1'26: +8.0% (vs Q1'25)
-
FCF margin— Q1'26: +148.7% (vs Q1'25)
-
EBIT margin— Q1'26: +30.1% (vs Q1'25)
-
ROIC— Q1'26: +14.1% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 2.78× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 7 Rev. Ana. 4 EPS Ana. |
Dec 2027 5 Rev. Ana. 4 EPS Ana. |
Dec 2028 4 Rev. Ana. 4 EPS Ana. |
Dec 2029 3 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
11.10B
est: 11.13B (-0.3%)
|
10.43B
est: 10.17B (+2.6%)
|
10.24B
est: 10.04B (+2.0%)
|
11.50B
est: 10.54B (+9.0%)
|
13.46B
est: 12.05B (+11.7%)
|
12.16B
est: 11.11B (+9.4%)
|
18.41B
est: 12.03B (+53.1%)
|
25.61B
est: 11.99B (+113.7%)
|
12.91B
est: 12.84B (+0.5%)
|
24.39B
est: 13.87B (+75.9%)
|
14.58B
14.36B – 14.89B
+5.2% YoY
|
15.30B
15.11B – 15.47B
+4.9% YoY
|
16.15B
15.98B – 16.32B
+5.6% YoY
|
17.05B
16.81B – 17.32B
+5.6% YoY
|
| EBITDA |
5.36B
est: 3.37B (+58.7%)
|
5.32B
est: 3.08B (+72.5%)
|
5.65B
est: 3.04B (+85.5%)
|
5.95B
est: 3.20B (+86.1%)
|
4.14B
est: 3.65B (+13.2%)
|
6.13B
est: 3.37B (+82.0%)
|
7.68B
est: 3.65B (+110.7%)
|
7.35B
est: 3.65B (+101.4%)
|
—
est: 3.91B (-100.0%)
|
7.64B
est: 4.22B (+81.0%)
|
4.44B
4.37B – 4.53B
+5.2% YoY
|
4.66B
4.60B – 4.71B
+4.9% YoY
|
4.92B
4.86B – 4.97B
+5.6% YoY
|
5.19B
5.12B – 5.27B
+5.6% YoY
|
| EBIT |
5.05B
est: 2.50B (+101.9%)
|
4.90B
est: 2.28B (+114.7%)
|
5.04B
est: 2.25B (+123.4%)
|
4.98B
est: 2.37B (+110.5%)
|
3.01B
est: 2.71B (+11.2%)
|
4.94B
est: 2.49B (+97.8%)
|
6.43B
est: 2.70B (+138.2%)
|
6.11B
est: 2.91B (+110.3%)
|
-1.23B
est: 3.11B (-139.3%)
|
7.64B
est: 3.36B (+127.2%)
|
3.54B
3.48B – 3.61B
+5.2% YoY
|
3.71B
3.66B – 3.75B
+4.9% YoY
|
3.92B
3.88B – 3.96B
+5.6% YoY
|
4.13B
4.08B – 4.20B
+5.6% YoY
|
| Net Income |
4.05B
est: 3.92B (+3.5%)
|
3.92B
est: 3.81B (+3.0%)
|
4.20B
est: 4.02B (+4.6%)
|
4.02B
est: 3.95B (+1.7%)
|
2.60B
est: 2.37B (+9.8%)
|
3.98B
est: 3.80B (+4.8%)
|
5.19B
est: 4.94B (+5.1%)
|
5.20B
est: 5.43B (-4.2%)
|
5.81B
est: 5.72B (+1.6%)
|
6.50B
est: 6.37B (+2.0%)
|
6.73B
6.61B – 6.87B
+5.6% YoY
|
7.08B
6.88B – 7.35B
+5.2% YoY
|
7.70B
7.20B – 8.04B
+8.7% YoY
|
8.18B
8.03B – 8.35B
+6.2% YoY
|
| SGA |
1.50B
est: 933.64M (+60.1%)
|
1.36B
est: 852.89M (+59.5%)
|
1.56B
est: 842.02M (+85.1%)
|
1.29B
est: 884.45M (+45.4%)
|
1.14B
est: 1.01B (+12.2%)
|
1.29B
est: 931.90M (+38.0%)
|
1.29B
est: 1.01B (+27.6%)
|
1.37B
est: 1.08B (+27.8%)
|
1.37B
est: 1.15B (+18.5%)
|
2.77B
est: 1.24B (+122.4%)
|
1.31B
1.29B – 1.34B
+5.2% YoY
|
1.37B
1.36B – 1.39B
+4.9% YoY
|
1.45B
1.43B – 1.46B
+5.6% YoY
|
1.53B
1.51B – 1.55B
+5.6% YoY
|
| EPS |
7.93
est: 7.67 (+3.4%)
|
7.68
est: 7.45 (+3.0%)
|
8.22
est: 7.86 (+4.6%)
|
7.86
est: 7.73 (+1.7%)
|
5.09
est: 4.63 (+9.8%)
|
7.80
est: 7.44 (+4.8%)
|
10.15
est: 9.66 (+5.1%)
|
10.18
est: 10.62 (-4.1%)
|
11.37
est: 11.17 (+1.8%)
|
12.72
est: 12.45 (+2.2%)
|
13.29
12.94 – 13.44
+6.7% YoY
|
14.03
13.47 – 14.39
+5.6% YoY
|
15.05
14.10 – 15.74
+7.3% YoY
|
16.00
15.71 – 16.33
+6.3% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-28 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-27 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-26 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-25 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-22 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-21 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-20 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-19 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-18 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-15 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-14 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-13 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-12 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-11 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-07 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-06 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-05 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-05-04 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-30 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-29 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-28 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-27 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-24 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-23 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-22 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-21 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-20 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-16 | B+ | 3/5 | 4/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares ESG Aware MSCI EM ETF ESGE | 0.34% | 22.80M | 0.25% |
| 2 | iShares ESG Aware MSCI Emerging Markets Index ETF XSEM.TO | 0.33% | 14.33M | 0.34% |
| 3 | Fidelity Emerging Markets Multifactor ETF FDEM | 0.27% | 1.59M | 0.25% |
| 4 | VanEck - MSCI Multifactor Emerging Markets Equity ETF EMKT.AX | 0.18% | 938.5K | 0.69% |
| 5 | JPMorgan Diversified Return Emerging Markets Equity ETF JPEM | 0.15% | 557.0K | 0.44% |
| 6 | HSBC MSCI Emerging Markets Climate Paris Aligned UCITS ETF HPEM.L | 0.14% | 52.5K | 0.18% |
| 7 | Goldman Sachs ActiveBeta Emerging Markets Equity ETF GEM | 0.11% | 1.80M | 0.59% |
| 8 | Invesco MSCI Emerging Markets Universal Screened UCITS ETF ESEM.L | 0.10% | 59.9K | 0.19% |
| 9 | iShares MSCI EM CTB Enhanced ESG UCITS ETF EDG2.L | 0.10% | 8.81M | 0.18% |
| 10 | iShares MSCI EM CTB Enhanced ESG UCITS ETF USD Inc EEDM.L | 0.10% | 1.21M | 0.18% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Andrew Gerber | Chief Retail Banking Officer & Member of the Management Board | — | male |
| Carl Normann Vokt | Chief Risk Officer & Vice-Chairman of the Management Board | — | male |
| Jan Fricek FCCA | Chief Financial Officer & Member of the Management Board | — | male |
| Jan Novotny | Chief Commercial Banking Officer & Member of the Management Board | — | male |
| Klara Escobar | Director of Human Resources & Employee Representative Member of the Supervisory Board | — | female |
| Klara Starkova | Chief Operating Officer & Member of Management Board | — | female |
| Linda Kavanova | Head of Investor Relations | — | female |
| Sandra Kalijanko | Chief Marketing Officer | — | female |
| Tomas Spurny | Chief Executive Officer & Chairman of the Management Board | — | male |
| Tomá Cerný | Chief Legal Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for MONET.PR
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
