1. Czech Republic Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
MONETA Money Bank, a.s.

MONETA Money Bank, a.s.

MONET.PR
MONETA Money Bank, a.s.CZ flagPrague Stock Exchange
187.10
CZK
-0.30
- -
95.61BMarket Cap
MONETA Money Bank, a.s.
MONET.PR
(Prague Stock Exchange)

Recent

price

187.10

P/E

ratio

- -

div

yld

- -

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
23.67
21.4
19.99
19.23
20.53
23.55
21.75
23.63
23.72
25.2
27.59
26.38
Revenue per Share
8.84
7.95
7.68
8.22
7.86
5.09
7.8
10.15
10.18
11.37
12.9
12.13
Basic EPS, GAAP
30.6
18.69
84.58
-12.06
-6.04
3.44
24.69
70.34
146.66
47.94
6.61
15.11
Free Cash Flow per Basic Share
38.63
8.84
9.8
8
9.45
- -
- -
10
8
12
14.2
3
Dividend per Share
43.46
42.7
40.49
39.35
47.6
52.69
57.49
60.64
62.82
62.18
61.76
58.24
Book Value per Share
53.54
51.8
47.87
45.89
43.3
47.15
51.46
54.23
56.5
55.8
55.02
51.85
Tangible Book Value per Share
510
510
511
511
511
511
511
511
511
511
504
511
Basic Weighted Avg Shares
12,072
10,913
10,213
9,828
10,490
12,034
11,115
12,075
12,121
12,878
13,902
13,480
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
520
310
414
610
967
1,129
1,196
1,249
1,233
1,225
1,162
1,206
Depreciation Expense
4,506
4,054
3,923
4,200
4,019
2,601
3,984
5,187
5,200
5,808
6,501
6,198
Net Income, GAAP
21.22
19.68
19.99
16.6
19.35
13.59
19.27
19.36
14.92
14.63
14.92
15.17
Effective Tax Rate (%)
37.33
37.15
38.41
42.74
38.31
21.61
35.84
42.96
42.9
45.1
46.76
45.98
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
5,044
3,059
6,616
10,422
10,385
13,210
14,644
23,139
23,660
21,745
LT Debt
27,839
27,268
25,763
25,237
24,411
27,050
29,481
31,091
32,203
31,879
31,226
29,863
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
18.45
18.47
20.59
18.09
10.15
14.15
17.19
16.48
18.19
20.67
20.67
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
511
511
511
Market Capitalization
63,262
74,810
73,993

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
14,863
19,707
22,667
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
1.29%
2.99%
-2.05%
Free Cash Flow
75.08%
151.48%
-86.41%
Net Income, GAAP
6.14%
21.45%
11.93%
Sales/Revenue/Turnover
1.73%
3.12%
7.95%
Total Cash Common Dividend
- -
- -
16.67%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,117
3,106
3,247
3,444
12,878
2025
3,377
3,412
3,599
- -
13,902
2026
3,538
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.52
2.77
3
3.08
11.37
2025
2.87
3.19
3.13
- -
12.9
2026
3.1
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
3
12
2025
- -
- -
4
- -
14.2
2026
- -
- -
- -
- -
- -
Similar Companies
Peak Bancorp Inc. (IDFB)
Central Pacific Financial Corp. (CPF)
ServisFirst Bancshares, Inc. (SFBS)
Virgin Money UK PLC (VUK.AX)
Midland States Bancorp, Inc. (MSBIP)
Consumers Bancorp, Inc. (CBKM)
Business
MONETA Money Bank, a.s. (MONET.PR) operates as a leading retail and small-to-medium enterprise bank in the Czech Republic, providing a comprehensive range of banking and financial services to households, entrepreneurs, and businesses through digital channels, 229 branches, and over 560 ATMs. The bank offers current accounts, savings accounts, term deposits, and transactional products including payment services and debit cards; consumer loans, credit cards, overdrafts, mortgages, and auto loans; finance leases for cars, machinery, and equipment; bancassurance; investment funds; building savings; payment terminals; and online payment gateways, primarily via its award-winning Smart Banka mobile app and internet banking platform that pioneered fully digital account openings and contactless payments in the Czech market. Founded in 1998 and headquartered in Prague, the bank serves one million clients as the fourth-largest in the country, focusing on the consumer credit segment while expanding in SME lending, and controls subsidiaries including MONETA Auto, s.r.o., MONETA Leasing, s.r.o., and MONETA Stavební Spořitelna, a.s. Recent developments include the October 2025 issuance of €100 million Tier 2 subordinated notes listed on the Luxembourg Stock Exchange to bolster capital, a €300 million senior preferred MREL-eligible notes issuance in 2024, a €100 million loan from the European Investment Bank in April 2024 to support SME financing, and strong financial performance with net profit up 15.7% year-to-date through Q3 2025 alongside total assets reaching CZK 499 billion.