Czech stock

PXCZK

MONETA Money Bank

MONET.PR

AI analysis and articles are in Czech.

§ Financial healthLong-term stability

69/ 100

Overall score·MONET.PR

Current price

186.5CZK

23/10/2026

P/E, P/B

Valuation

Neutral

Rates whether the stock is cheap or expensive relative to its history and sector. A score above 60 suggests the stock trades below its estimated intrinsic value.

Tracks:P/E · P/B · FCF yield · sector

Akcie MONETA se obchoduje pod sektorovým průměrem P/E, což naznačuje mírné podhodnocení. Tržní nálada trhu je neutrální, růst je mírný, ale ziskovost je vysoká. Stabilita je dobrá, ale momentum je spíše mírné, což odráží aktuální tržní podmínky.

§ Outlook vs S&P 500Next 12 months

Probably yes

Estimated chance of beating the index: about 61%

8 of 8 inputs

NoProbably notSameProbably yesYes

A model estimate from current values. The result may change with new data; it is not a price target or an investment recommendation.

§ Financial results

Financial results·MONET.PR

mld. CZK

RevenueEBITDANet incomeEBITDA margin

Margins and profitability·MONET.PR

Net marginEBITDA marginDashed = estimate

Net margin

+46.7 %

FY 2025 · reported

EBITDA margin

0.0 %

FY 2026 · estimate

Net margin

+49.0 %

last 12 months

Operating margin

+60.3 %

last 12 months

ROE

+21.7 %

last 12 months

FY = fiscal year · TTM = trailing 12 months

§ Context and events

Management

Tomas Spurny je CEO a předseda představenstva. Carl Normann Vokt zastává funkci Chief Risk Officer a místopředsedy představenstva, Jan Fricek FCCA je CFO a člen představenstva a Jan Novotny vede komerční bankovnictví a je členem představenstva. Strategie banky stojí na obsluze retailových i firemních klientů a řízení úvěrového rizika.

Articles about MONETA Money Bank, in Czech (1)

České stavebnictví posiluje s projektem v Yanbu, globální ekonomika však zůstává nejistá

České stavební firmy nacházejí nové příležitosti v zahraničí, například v Saúdské Arábii, zatímco globální ekonomika čelí výzvám. Tyto tendence ovlivňují i český akciový trh a firmy jako CEZ či Moneta.

10 July 2026· 5 min

§ Upcoming results

23 October 2026

Expected

Earnings

Earnings = quarterly financial results (revenue and profit). Companies publish them every three months and the share price often reacts strongly.

§ Frequently asked questions

What is MONETA Money Bank (MONET.PR)?

MONETA Money Bank (MONET.PR) is a czech stock traded on PX. We track it daily — scoring news sentiment, the short-term outlook and long-term stability on a 0–100 scale.

What is the MONETA Money Bank price today?

As of 23 October 2026, MONETA Money Bank trades at about 186.50 CZK per unit. We update the price daily from public market data. Intraday moves can differ significantly — always check the final price with your broker.

How to buy MONETA Money Bank?

Through regulated online brokers such as Degiro, XTB, Trading 212 or Interactive Brokers. Shares trade in USD or EUR — most brokers convert your currency automatically. FinSignal does not operate any of these platforms and charges no commission — the overview is only a signpost.

Does MONETA Money Bank pay a dividend?

MONETA Money Bank either pays no dividend at the moment or we have no reliable data on it. Many growth companies prefer reinvesting profit to paying dividends — check the current policy in the company's investor relations materials.

Is MONETA Money Bank a good investment in 2026?

Our AI signal currently rates MONETA Money Bank as slightly positive (score 67/100). Financial health comes out at 69/100, so beyond short-term news it is worth watching the valuation, growth, profitability and stability of the company. FinSignal is not an investment adviser licensed under Czech Act No. 256/2004 Coll. — signals are analytical input, not a recommendation to buy or sell. You make every decision at your own risk.

§ More Czech stocks

Vienna Insurance Group

VIG.PRhealth 70/100

Philip Morris CR

TABAK.PRhealth 54/100

Kofola CeskoSlovensko

KOFOL.PRhealth 57/100

Photon Energy

PFN.PRhealth 39/100

§ How to buy MONETA Money Bank

You can buy shares through regulated online brokers available in the EU. They differ mainly in fees, app quality and which markets they cover.

Degiro
Dutch broker with low fees for passive investors. No account fee, trading in EUR and USD.
XTB
Polish broker with zero commission on stocks and ETFs up to EUR 100,000 a month. Own xStation platform.
Trading 212
Zero-commission broker with fractional shares from EUR 1 and automated investing (Pies). Suits beginners and regular investing.
Interactive Brokers
US broker for advanced investors. The widest choice of markets, low costs at larger volumes, a professional platform with a steeper learning curve.

FinSignal operates none of these platforms. We charge no commission on purchases.

Important: Signals are an analytical tool, not investment advice within the meaning of Czech Act No. 256/2004 Coll. Past performance does not guarantee future results. You make all decisions at your own risk.

§ Current signalShort-term mood

/ 100

● Slightly positive

News summary

Older news

Signal 23/10, 17:02

Moneta za tři čtvrtletí vydělala 5,5 mld. Kč a zlepšila výhled; podle zpráv překonala očekávání, ale mimořádná dividenda nebude. Dopad podpoří udržení výhledu a běžná dividenda.

Silnější ziskovost a lepší výhled podporují střednědobý obraz banky. Krátkodobě jej tlumí absence mimořádné dividendy, nevýrazné momentum a pokles ceny za 30 dní.

Risks: Zhoršení úvěrové kvality či nesplnění zvýšeného výhledu by oslabilo očekávání dalšího růstu zisku.

More about the signal

Silnější ziskovost a lepší výhled podporují střednědobý obraz banky. Krátkodobě jej tlumí absence mimořádné dividendy, nevýrazné momentum a pokles ceny za 30 dní.

Risks: Zhoršení úvěrové kvality či nesplnění zvýšeného výhledu by oslabilo očekávání dalšího růstu zisku.

Signal history· 2

23/1008:0166 · Slightly positive
MONETA za tři čtvrtletí 2026 zvýšila čistý zisk na 5,5 mld. Kč; trvalejší dopad podpoří pokračující růst ziskovosti a potvrzený výhled.
22/1007:0159 · Slightly positive
Patria 22. října uvádí, že analytik čeká u MONETY růst zisku, silné úrokové výnosy a možnost překvapivé dividendy; dopad podpoří potvrzení výsledků a dividendového výhledu.

The full 90-day signal history is part of Premium.

Ask the AI

DCF valuation

A DCF model is not suitable for this asset class.

§ Valuation check

Is the price reasonable?

Six quick tests: price against fair value, the last year, similar companies and analyst estimates. They are calculated from the numbers, not from AI estimates. This is not a recommendation.

Data 15 of 18

Valuation score

1/ 6

3/6 tests available

1. Below DCF fair value

The complete DCF range or the current price is missing.

2. Well below DCF value

The complete DCF range or the current price is missing.

3. Price vs. the last year

25% above the 1-year low (176.6 CZK to 215.5 CZK), based on stored daily prices.

4. P/E vs. similar companies

P/E 14.9 vs. median 13.0 (42 companies).

5. P/E relative to growth

PEG or a reliable growth input is not available.

6. Analyst price target

-2.4% vs. the current price, 9 analysts.

Price and fair value

no complete range

The DCF check appears once both the price and the model range are available.

Price vs analyst target

Current price

186.5 CZK

Low 125.0 CZKHigh 225.0 CZK

Current priceAverage: 182.0 CZK

DCF gap

no complete range

The DCF check appears once both the price and the model range are available.

Analyst target

-2.4%

Average target 182.0 CZK vs. price 186.5 CZK.

Analyst consensus

Target range

125.0 CZK - 225.0 CZK

Coverage

9 analysts

Analyst consensus

3.3 / 5

Changes 180 d

+0 / -0

EPS next year

6.8%

Revenue next year

6.1%

Valuation multiples

14.9

18.0

3.1

7.2

52-week range25% above the low

176.6 CZK215.5 CZK

8.0%

4.0%

49.0%

21.7%

Price vs 50D-4.4%

Price vs 200D-3.5%

Metrics explained+

Price and fair value

DCF range: A model estimate of fair value from future free cash flow. A price above the range means the market pays a premium over the model; a price below it may signal a more conservative market valuation or an overly optimistic model.
Analyst target: The average and range of the analyst price targets we track. It is the market consensus, not a FinSignal recommendation, and it can lag fast price moves.
52-week range: Shows where the current price sits between the low and high of the last year. A value near the high often signals strong momentum, but on its own says nothing about whether the stock is expensive.
Price vs 50D / 200D: Compares the price with its short- and long-term moving averages. A positive value means the price is above the trend; a negative one below it.

Multiples

P/E: Price relative to current earnings. A lower P/E can mean cheaper, but it can also point to a weak outlook or risk.
Forward P/E: Price relative to next year's expected earnings. For growing companies it is often more useful than the historical P/E because it reflects estimates of future earnings.
P/B: Price relative to the book value of equity. It makes more sense for banks, insurers and capital-intensive companies than for software or brands.
P/S: Price relative to revenue. It helps with companies that have low or negative earnings; a high P/S means the market expects strong growth or future margins.
EV/EBITDA: The value of the whole company, including debt, relative to operating profit before depreciation. Useful for comparing companies with different leverage.
PEG: P/E adjusted for earnings growth. A value around 1 may suggest the valuation matches growth, but the metric is sensitive to estimates.

Growth and quality

EPS growth: Year-on-year change in earnings per share. Strong growth supports a higher valuation, but for cyclical companies it can be temporary.
Revenue growth: The growth rate of sales. It helps tell whether profits grow on real demand or mainly on cost savings.
Net margin: How much of each unit of revenue is left as net profit. A higher margin often points to stronger pricing power or more efficient operations.
ROE: Return on equity. A high ROE can signal a quality business, but check that it is not artificially boosted by heavy debt.

Most data available. Missing values mean the market data source did not provide them for this ticker. The data is indicative and may be delayed. Price as of 23/10/2026.

Management and competitive advantage

Both are estimated by the AI from the company profile, news and results. They do not count towards the 6-pillar financial health score. The AI comments are in Czech.

strong

Management je hodnocen jako průměrný, s dobrou strategií a stabilní exekucí, což je podpořeno nedávnými kroky jako zvýšení dividend a akvizice fintech startupu.

good

Moat je zřejmě slabší, protože banka působí v regionálním bankovnictví bez výrazných unikátních konkurenčních výhod, i když stabilita a ziskovost jsou na dobré úrovni.

Information

Type: Czech stock
Symbol: MONET.PR
Exchange: PX
Currency: CZK
Sector: Bankovnictví
: 14.9x
: 99.7B USD
: 0.12

§ Risk profile

Zhoršení české ekonomiky může zvýšit nesplácení úvěrů domácností a firem. Výnosy mohou ovlivnit změny sazeb ČNB, soutěž o vklady a regulatorní požadavky; akcie je navíc koncentrovanou sázkou na český bankovní trh.

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