Moneta Money Bank as

Chart & Performance

D1W1MN

P/E

12.21

P/S

5.19

EPS

10.18

Div Yield, %

6.44%

Shrs. gr., 5y

—

Rev. gr., 5y

4.58%

Revenues

12.22b

+1.08%

Net income

5.20b

+0.25%

CFO

10.50b

-71.39%

Dividend

Apr 26, 20249 CZK/sh

Earnings

Jan 31, 2025

Profile

MONETA Money Bank, a.s., together with its subsidiaries, provides banking and financial products and services to retail customers, small and medium-sized enterprises, corporate clients, and financial and public sector institutions in the Czech Republic. The company operates through Commercial Clients, Retail Clients, and Treasury/Other segments. It offers various deposit products, including current and savings accounts, term deposits, and transactional banking products. The company also provides secured lending products, such as mortgages and finance leases; unsecured lending products comprising consumer and auto loans, credit cards, personal overdrafts, building savings loans, and bridging loans; and commercial lending products that consist of working capital, investment loans, finance and operating leases, auto loans, inventory financing, financing of small businesses and entrepreneurs through guarantees, letters of credits, and foreign exchange transactions. In addition, it intermediates additional payment protection insurance, which covers the customer's monthly loan payment in the event of unemployment, accident, or sickness; and acts as the intermediary to provide its customers with other insurance and investment products. Further, the company engages in the foreign exchange transactions, interest rate swaps, investment in debt securities, equity investments, other noninterest bearing assets, and other operations, as well as provision of debit and credit cards. As of December 31, 2021, it operated a network of 154 branches and 560 ATMs. The company was formerly known as GE Money Bank, a.s. and changed its name to MONETA Money Bank, a.s. in May 2016. MONETA Money Bank, a.s. was incorporated in 1998 and is headquartered in Prague, the Czech Republic.

URL

https://www.moneta.cz/

IPO date

May 06, 2016

Employees

Domiciled in

Incorporated in

Valuation

Order:

Title CZK in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title CZK in thousands, except ratios and share amounts	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12	2014‑12
Income
Revenues	12,217,000 1.08%	12,087,000 8.25%	11,166,000 -7.56%
Cost of revenue	1,374,000	1,287,000	1,728,000
Unusual Expense (Income)
NOPBT	10,843,000	10,800,000	9,438,000
NOPBT Margin	88.75%	89.35%	84.52%
Operating Taxes	912,000	1,245,000	951,000
Tax Rate	8.41%	11.53%	10.08%
NOPAT	9,931,000	9,555,000	8,487,000
Net income	5,200,000 0.25%	5,187,000 30.20%	3,984,000 53.17%
Dividends	(4,088,000)	(5,110,000)
Dividend yield	8.55%	13.16%
Proceeds from repurchase of equity
BB yield
Debt
Debt current
Long-term debt	14,170,000	13,210,000	10,385,000
Deferred revenue
Other long-term liabilities		(12,904,000)	(10,385,000)
Net debt	(105,076,000)	(62,205,000)	(52,878,000)
Cash flow
Cash from operating activities	10,502,000	36,712,000	13,977,000
CAPEX	(794,000)	(1,145,000)	(1,358,000)
Cash from investing activities	(44,256,000)	(11,273,000)	(16,960,000)
Cash from financing activities	61,872,000	(1,808,000)	(300,000)
FCF	9,991,000	9,708,000	8,764,000
Balance
Cash	11,523,000	13,848,000	12,267,000
Long term investments	107,723,000	61,567,000	50,996,000
Excess cash	118,635,150	74,810,650	62,704,700
Stockholders' equity	32,203,000	30,989,000	29,379,000
Invested Capital	425,309,000	356,039,000	310,817,000
ROIC	2.54%	2.87%	2.90%
ROCE	2.37%	2.79%	2.77%
EV
Common stock shares outstanding	511,000	511,000	511,000
Price	93.60 23.16%	76.00 -18.93%	93.75 37.87%
Market cap	47,829,600 23.16%	38,836,000 -18.93%	47,906,250 37.87%
EV	(57,246,400)	(23,369,000)	(4,971,750)
EBITDA	12,076,000	12,049,000	10,634,000
EV/EBITDA
Interest	12,807,000	5,741,000	1,160,000
Interest/NOPBT	118.11%	53.16%	12.29%