MONETA Money Bank, a.s. stock analysis 2026 | Price, valuation & outlook

MONETA Money Bank, a...

SEP:MONET

Kč 192,40

Kč0,00 (0,00%)

192,40 Kč

Kč0,00 (0,00%)

End-of-day quote: 12/24/2025

MONETA Money Bank, a.s. Stock Value

Analysts currently rate SEP:MONET as Outperform.

Outperform

MONETA Money Bank, a.s. Company Info

EPS Growth 5Y

6,55%

Market Cap

Kč98,32 B

Long-Term Debt

Kč15,41 B

Annual earnings

02/03/2026

Dividend

Kč10,00

Dividend Yield

5,20%

Founded

1998

Industry

Financials

Country

Czech Republic

Website

MONETA Money Bank, a.s.

ISIN Number

CZ0008040318

Website

http://www.moneta.cz

Analyst Price Target

Kč149,00

-22.56%

Last Update: 12/24/2025

Analysts: 7

Highest Price Target Kč205,00

Average Price Target Kč149,00

Lowest Price Target Kč125,00

In the last five quarters, MONETA Money Bank, a.s.’s Price Target has risen from Kč67,43 to Kč102,02 - a 51,30% increase. One analysts predict that MONETA Money Bank, a.s.’s share price will fall in the coming year, reaching Kč149,00. This would represent a decrease of -22,56%.

Top growth stocks in the financials sector (5Y.)

What does MONETA Money Bank, a.s. do?

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 cards, and personal overdrafts. Secured lending is provided in the form of mortgages. On the commercial side, the company offers a variety of products ranging from working capital and investment loans to financing small businesses and entrepreneurs th...

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 cards, and personal overdrafts. Secured lending is provided in the form of mortgages. On the commercial side, the company offers a variety of products ranging from working capital and investment loans to financing small businesses and entrepreneurs through guarantees, letters of credit, and foreign exchange transactions. In addition, the company provides a wide range of deposit and transactional products to both retail and commercial customers.

Segments

The company operates through Consumer Lending, Commercial Financing, Deposits and Transactional Products, and Treasury Services segments.

Consumer Lending

This segment encompasses both secured and unsecured lending products. Unsecured lending products include consumer loans, credit cards, and personal overdrafts. These products are designed to meet the diverse financial needs of individual customers, offering them flexibility and convenience. Secured lending, on the other hand, is provided in the form of mortgages.

Commercial Financing

This segment caters to the financial needs of businesses, ranging from small enterprises to large corporations. The company offers various commercial financing products, including working capital loans, investment loans, and financing for small businesses and entrepreneurs. In addition, the company provides guarantees, letters of credit, and foreign exchange transactions to support the diverse financial requirements of its commercial clients.

Deposits and Transactional Products

The company offers a wide range of deposit and transactional products to both retail and commercial customers. This segment includes savings accounts, current accounts, and term deposits, providing customers. The company also issues debit and credit cards.

Treasury Services

This segment engages in investment management, funding strategies, and financial market transactions.

Loans

The company offers a range of loan products designed to meet the diverse financial needs of both individual and commercial clients. The company's loan portfolio is categorized into consumer loans, commercial loans, and specialized loan products.

Consumer Loans: This includes both secured and unsecured lending products. Unsecured lending products encompass consumer loans, credit cards, and personal overdrafts. These products are designed to offer flexibility and convenience to individual customers, enabling them to meet various personal financial needs such as purchasing goods, financing education, or covering unexpected expenses. Secured lending in the Consumer Loans segment is primarily provided through mortgages. The company offers competitive mortgage products to support customers in acquiring homes and other real estate properties.

Commercial Loans: The company caters to the financial needs of businesses, ranging from small enterprises to large corporations. The company offers various commercial financing products, including working capital loans, investment loans, and financing for small businesses and entrepreneurs. Working capital loans provide businesses with the necessary funds to manage their day-to-day operations, such as purchasing inventory, paying suppliers, and covering payroll expenses. Investment loans, on the other hand, are aimed at financing long-term business investments, including the acquisition of new equipment, expansion of facilities, and other capital expenditures. The company also offers specialized financing solutions for small businesses and entrepreneurs, providing them with the financial support needed to start and grow their ventures. In addition to traditional loan products, the company provides guarantees and letters of credit to support the diverse financial requirements of its commercial clients.

Specialized Loan Products: The company offers specialized loan products through its subsidiaries, MONETA Auto, s.r.o. (MONETA Auto) and MONETA Leasing, s.r.o. (MONETA Leasing). MONETA Auto specializes in auto financing, providing loans for the purchase of new and used vehicles. MONETA Leasing offers leasing solutions to both individual and commercial clients. Leasing products include financial leases, operating leases, and sale-and-leaseback arrangements. These products are designed to provide customers with flexible financing options for acquiring assets, such as vehicles, machinery, and equipment.

Investment Portfolio and Investment Securities

The company maintains a diversified investment portfolio that comprises various asset classes, including government and corporate bonds, equities, and other financial instruments.

Investment Securities

The company's investment securities are categorized into various types based on their characteristics and regulatory treatment. The primary categories include held-to-maturity securities, available-for-sale securities, and trading securities.

Products and Services

The company offers a wide range of financial products and services.

Consumer Lending

The company offers both secured and unsecured lending products aimed at individual customers.

Unsecured Lending Products: These include consumer loans, credit cards, and personal overdrafts. These products enable customers to meet various personal financial needs such as purchasing goods, financing education, or covering unexpected expenses.

Secured Lending Products: The primary secured lending product offered by the company is mortgages. These mortgage products are designed to provide long-term financing solutions with favorable interest rates and flexible repayment.

Commercial Financing

The company caters to the financial needs of businesses, ranging from small enterprises to large corporations.

Working Capital Loans: These loans provide businesses with the necessary funds to manage their day-to-day operations, such as purchasing inventory, paying suppliers, and covering payroll expenses.

Investment Loans: These are aimed at financing long-term business investments, including the acquisition of new equipment, expansion of facilities, and other capital expenditures.

Specialized Financing Solutions: The company offers tailored financial solutions for small businesses and entrepreneurs, providing them with the financial support needed to start and grow their ventures.

Trade Finance Products: This includes guarantees and letters of credit to support the diverse financial requirements of commercial clients, helping them manage risks associated with trade and international transactions.

Deposits and Transactional Products

The company offers a comprehensive range of deposit and transactional products designed to meet the everyday banking needs of both retail and commercial customers, such as savings accounts, current accounts, term deposits, and debit and credit cards.

Treasury Services

The company focuses on managing the company's liquidity, capital, and financial risks.

Specialized Financial Solutions

The company offers specialized financial solutions through its subsidiaries, MONETA Auto, s.r.o. (MONETA Auto) and MONETA Leasing, s.r.o. (MONETA Leasing).

Auto Financing: MONETA Auto specializes in providing loans for the purchase of new and used vehicles. These auto loans offer competitive interest rates, flexible repayment terms, and quick approval processes.

Leasing Solutions: MONETA Leasing offers a variety of leasing products, including financial leases, operating leases, and sale-and-leaseback arrangements. These products provide customers with flexible financing options for acquiring assets such as vehicles, machinery, and equipment.

Digital Banking Services

The company also offers a range of digital banking services to enhance customer convenience and accessibility.

Online Banking: Provides customers with the ability to manage their accounts, transfer funds, and pay bills online.

Mobile Banking: Allows customers to access their accounts and perform banking transactions through a mobile app.

Digital Payment Solutions: Includes various digital payment options such as contactless payments, mobile wallets, and online payment gateways.

Customer

The company serves a diverse range of customers categorized primarily into individual (retail) clients and commercial clients. Each category is catered to with tailored financial products and services designed to meet their specific needs.

Individual (Retail) Clients: This category includes personal banking customers who utilize the company's consumer lending products, deposit accounts, and digital banking services. Retail clients benefit from a variety of financial solutions, such as personal loans, credit cards, mortgages, savings accounts, and online banking services.

Commercial Clients: This category encompasses businesses of all sizes, ranging from small enterprises to large corporations. Commercial clients utilize the company's commercial financing products, trade finance solutions, and treasury services. These clients benefit from working capital loans, investment loans, guarantees, letters of credit, and other specialized financial products.

Marketing/Distribution Channels

The company utilizes various marketing and distribution channels to reach its target audience and promote its financial products and services. The company's marketing channels include:

Digital Marketing: Leveraging online platforms such as the company's website, social media, email marketing, and digital advertising to reach a broad audience.

Content Marketing: Creating and distributing valuable content through various channels to engage and educate potential customers. This includes blog posts, whitepapers, case studies, videos, and webinars.

Events and Webinars: Organizing and participating in industry events, webinars, and conferences to connect with potential clients, showcase products, and share industry insights.

Sales Enablement Tools: Providing sales teams with marketing toolkits, client-ready content, and other resources.

Client Gifting and Appreciation: Utilizing client appreciation gifting stores and organizing client appreciation events to strengthen relationships with key clients and enhance customer loyalty.

Highspot Platform: Utilizing the Highspot platform to create, manage, and distribute marketing content and toolkits for sales enablement and social selling.

History

MONETA Money Bank, a.s. was founded in 1998. It was incorporated in 1998. The company was formerly known as GE Money Bank, a.s. and changed its name to MONETA Money Bank, a.s. in 2016.

MONETA Money Bank, a.s. Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Financial services: approx. 70% Mortgage loans: approx. 20% Credit cards and consumer loans: approx. 10% Top 3 markets: Czech Republic: approx. 85% Slovakia: approx. 10% Poland: approx. 5% MONETA Money Bank, a.s. generates the majority of its revenues from financial services, particularl...

At which locations are the company’s products manufactured?

Production Sites: No specific production sites, as MONETA Money Bank, a.s. is a financial services company. MONETA Money Bank, a.s. is a Czech bank that mainly offers financial services such as loans, account management, and investment products. As a bank, it does not produce physical products but o...

What strategy does MONETA Money Bank, a.s. pursue for future growth?

Current Growth Strategy: Digitization and Expansion in Retail Banking MONETA Money Bank, a.s. is pursuing a strategy that is strongly focused on digitization and expanding its offerings in retail banking. The company is investing heavily in digital platforms and technologies to enhance the customer...

Which raw materials are imported and from which countries?

Main Imported Raw Materials/Materials: Financial services and technologies Countries of Origin: USA, Germany, China MONETA Money Bank, a.s. is primarily active in the financial sector and does not import physical raw materials or materials in the traditional sense. Instead, the bank focuses on impor...

How strong is the company’s competitive advantage?

Market share: 20% in the Czech banking sector (2024, estimated) Customer satisfaction: 85% (2023) Return on equity (ROE): 14.5% (2024) MONETA Money Bank, a.s. has a significant competitive advantage in the Czech banking sector, highlighted by its stable market share of around 20%. The bank benefits...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: approximately 60% (estimated for 2025 based on historical trends) Insider Purchases/Sales: No specific data available for 2025 The institutional investor share at MONETA Money Bank, a.s. traditionally stands at around 60%. This estimate is based on historical holdings a...

What percentage market share does MONETA Money Bank, a.s. have?

Market share of MONETA Money Bank, a.s.: 8% (estimated, 2025) Major competitors and their market shares: Česká spořitelna, a.s.: 25% Komerční banka, a.s.: 20% ČSOB (Československá obchodní banka, a.s.): 18% UniCredit Bank Czech Republic and Slovakia, a.s.: 12% Raiffeisenbank a.s.: 10% MONETA Money...

Is MONETA Money Bank, a.s. stock currently a good investment?

Return on Equity: 11.5% (2024) Net Interest Margin: 3.2% (2024) Credit Default Rate: 1.8% (2024) The MONETA Money Bank shows a solid return on equity of 11.5%, indicating efficient use of equity capital. The net interest margin of 3.2% suggests a healthy profitability from core business, which is an...

Does MONETA Money Bank, a.s. pay a dividend – and how reliable is the payout?

Dividend Yield: 6.5% (2024) Payout Ratio: 70% (2024) MONETA Money Bank, a.s. has paid out a consistent dividend in recent years, indicating a reliable dividend policy. The dividend yield of 6.5% in 2024 shows an attractive return for investors. The payout ratio of 70% suggests that the company is di...

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MONETA Money Bank, a.s. Stock Value

MONETA Money Bank, a.s. Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does MONETA Money Bank, a.s. do?

MONETA Money Bank, a.s. Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal