MONETA Money Bank, a.s. (MONET.PR) stock analysis

In our weekly check, MONETA Money Bank, a.s. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6.

About MONETA Money Bank, a.s.

MONETA Money Bank, a.s. is a Financial Services company (Banks - Regional), listed on PRA as MONET.PR.

What our checks show for MONET.PR

Red flags

• The net margin fell by 5.2 points over 5 years, to 27.6%: the company keeps less of each sale as profit.
• The gross margin fell by 34.1 points, to 57.4%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 17.3% a year.
• The dividend takes 111% of profit: little cushion if profit falls.
• Return on capital (ROCE) is only 1.6%.

Warning signs

• The stock has fallen as much as 45% from a peak. Would you have held through that?
• Thinly traded (about 266 thousand shares a day): buying and selling can move the price.

Strengths

• Operating cash flow is 1.45x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 19.1 points from today's 27.6%.
• Earnings per share grew 11.2% a year over the last 3 years.
• Net profit grew 11.2% a year over the last 3 years.
• The company keeps 27.6% of its revenue as net profit.
• Free cash flow is 36.2% of revenue: cash for dividends, buybacks or growth.

Questions

What grade does MONETA Money Bank, a.s. (MONET.PR) have?

In our weekly check, MONETA Money Bank, a.s. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of MONET.PR stock?

This week's biggest flags for MONETA Money Bank, a.s.: Margins falling, Gross margin falling, Weak revenue forecast. In total 8 of 25 checks show a warning or a red flag.

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

MONETA Money Bank, a.s. is a Financial Services company (Banks - Regional), listed on PRA as MONET.PR.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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