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MONETA Money Bank

PRA:MONET · CZ0008040318
BanksSmall

360

15
Profit price19
Cash yield85
Price/Sales8
EV / Gross Profit76
Price/Book5
Returns on capital96
Profit margins—
Cash Conversion76
Accruals73
Owner Earnings Margin88
Sales growth63
Profit Growth18
Owner Earnings Growth85
Reinvestment80
Price momentum60
Debt load86
Debt serviceability92
Liquidity12
Analyst ratings10
Opinion Changes50
Price Target Upside8
Market mood43
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

MONETA Money Bank generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryCzechia
IndustryBanks
SizeSmall
TypePublic Company
ExchangeSEP
Founded1998
Employees1,666
Websitemoneta.cz
ISINCZ0008040318
Last UpdateApr 2, 2026
Index & Theme
Online PaymentsConsumer LendingBankingCrowdfundingRetail

Description

MONETA Money Bank, a.s. provides banking and financial products and services in the Czech Republic. The company's consumer portfolio consists of both secured and unsecured lending products. Unsecured lending products include consumer loans, credit c…

Analysis

Beloved champion

MONETA Money Bank, a.s. sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

On valuation, the picture is fair. The owner-earnings multiple stands at 16.9×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
32
2023202420252026

All-time high

100

Jan 2024

All-time low

14

Mar 2026

Average rank

52

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
8
5
14
30
Price/Earnings
10
14
29
50
Price/Book
5
12
20
19
Dividend Yield
85
75
84
86
Value (overall)
8
17
32
41

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →