Investors interested in the Czech banking sector have focused on MONETA’s stock. As a key player in SME banking, the bank influences trends. Consequently, its financial performance and stock movements reflect the broader economy.
Therefore, investors watch MONETA’s stock for lending activity insights. Additionally, they track interest rate shifts and market sentiment in Czechia.
As a key player in SME banking, the bank’s financial performance and MONETA’s stock movements often reflect broader economic trends in the region.
Investors closely monitor MONETA’s stock for insights into lending activity, interest rate shifts, and overall market sentiment in the Czech Republic.
The Company holds a universal banking licence and offers retail and SME-focused financial products and services.
The company operates 124 branches nationwide for customer convenience. Additionally, it provides access to 1,900+ ATMs across the country. Moreover, it offers 41 online products through internet banking. Besides that, customers can use its call center for support.
Furthermore, MONETA collaborates with auto dealers and brokers for services. Lastly, it partners with 4,700 leasing firms for financing solutions.
MONETA offers various financial services to its customers. For example, it provides current and savings accounts for easy banking.
Additionally, it offers term deposits for secure and stable savings. Moreover, MONETA includes transactional banking products like payment services and debit cards.
Furthermore, it provides consumer loans, credit cards, and overdrafts. In addition, MONETA offers mortgages and auto loans for financial support.
Besides that, it provides auto leases for convenient vehicle financing. Lastly, MONETA sells bancassurance and investment funds for added benefits.
MONETA Money Bank’s financial results
Over the last three years, MONETA Money Bank has grown EPS by 13% per year. MONETA Money Bank’s revenue from operations was lower than its revenue in thelast year.
It maintained stable EBIT margins over the last year, and grew its revenue 5.8% to Kč13b. The company has scheduled its upcoming Q1 2025 earnings release for the 25th of April 2025 at 10:00 am CET.
Financial results Q4 2024
- Operating income of CZK 12.9 billion, up 6.3 per cent
- Operating expenses stable at CZK 5.7 billion
- Cost of risk of CZK 386 million, or 14 basis points
- Net profit of CZK 5.8 billion, up 11.7 per cent
- Loan portfolio up 4.5 per cent to CZK 276 billion
- Customer deposit base up 7.7 per cent to CZK 430 billion
- Return on Tangible Equity of 20.4 per cent
- Management intends to propose 2024 dividend of CZK 10 per moneta’s stock
According to the MONETA’s latest Press Release,
MONETA’s management medium-term guidance for the period 2025–2029 foresees the delivery of cumulative net profit of CZK 33.3 billion in the next five years.
That is 46.2% higher compared to delivered cumulative net profit in the past five years. Additionally, management seeks to keep dividend pay-out ratio at 90 per cent.
MONETA Clementia Foundation
In regard to debt, the company is supportive of its clients who cannot meet their financial obligations to MONETA Group.
Through the foundation, the company also supports children from children’s homes who are studying or about to study at vocational schools, grammar schools, secondary schools or universities.
They also support non-profit organisations helping disadvantaged children, adults and the elderly, as well as at protecting the environment. They, finally, provide support to their own MONETA Group employees who may need the necessary financial support.
Further causes that they support
Supporters of Ukraine
They are open supporters of Ukraine and its citizens who had to abandon their homes before the threat of war and those who are already living in the Czech Republic and are helping their loved ones.
Athletes
The company is a proud partner of Czech tennis athletes and entrepreneurs. They support young sports talents and are also a long-term partner of the Entrepreneur of the Year competition, which is one of the biggest business competitions in the country.
Sustainability
As an innovative, digital bank that puts customer experience first, they are committed to sustainability and the environment. They are an environmentally and socially responsible company and want to become a digital leader in the Czech banking market and to offer the best possible service to their clients.
Equal rights
The company promotes the creation and consolidation of social values that protect disadvantaged individuals and communities. Employees can enjoy paid time off to get married, care for a sick family member or attend a funeral – whether they are married or in a civil partnership.
The company is the first Charity Partner of the Pride Business Forum Foundation and has long supported the “S barvou ven” initiative, which helps with the coming out of LGBT+ people. Clients can support this platform through the Smart Banka mobile app.
MONETA Money Bank, together with its subsidiaries in the Czech Republic, is one of the biggest providers of banking and financial services to consumers and clients in the SME segment. One of the company’s key goals is innovation in the financial services as well as superior customer support. They want to be at the helm of digital banking and remain committed to digitising financial products.
Their position in the market for credit products for Czech households is strong and have also established a solid position in the market for loans for entrepreneurs and small and medium-sized enterprises.
Digitising payment cards
Their pioneering digital services are based on a secure mobile and internet banking platform. They were the first bank in the Czech Republic to enable clients open accounts online through their mobile phones.
They were also the first big bank to initiate contactless payments on a mobile phone through Google Pay. Their mobile application, Smart Banka, was voted as the best mobile application in the Czech Republic and Slovakia. Through the app clients can also manage their accounts in other banks.
Online products
MONETA focuses on the improvement of digital distribution capabilities, especially providing credit products fully online to retail clients, small businesses and enterpreneurs.
As a digital leader, MONETA has also been recognised through a wide range of awards that demonstrate the firm’s constant attempts to innovate and improve as well as invest in customer service and client support.
More info about the company
Holding Declaration
MONETA Money Bank, a.s., with its registered seat at Praha 4 – Michle, Vyskočilova 1442/1b, Postal Code 14028, Identification Number 25672720, registered by the Municipal Court in Prague, Section B, Insert 5403, is the controlling person of the MONETA Holding.
Controlled persons of the MONETA Holding are:
First: MONETA Auto, s.r.o., with its registered seat at Vyskočilova 1442/1b, Michle, 140 00 Praha 4, Identification Number 60112743, registered by the Municipal Court in Prague, Section C, Insert 168410
Second: MONETA Leasing, s.r.o., with its registered seat at Vyskočilova 1442/1b, Michle, 140 00 Praha 4, Identification Number 60751606, registered by the Municipal Court in Prague, Section C, Insert 322797
MONETA Stavební Spořitelna, a.s., with its registered seat at Vyskočilova 1442/1b, Michle, 140 00 Praha 4, Identification Number 47115289, registered by the Municipal Court in Prague, Section B, Insert 1714.
MONETA Money Bank Stock Outlook: Modest Growth Expected in 2025
As of April 2, 2025, MONETA Money Bank’s stock (ticker: MONET) is trading at 148.40 CZK.
Analyst forecasts suggest a modest growth trajectory for the bank. According to Simply Wall St, MONETA Money Bank’s earnings are projected to grow by 2.3% per annum, with revenues expected to increase by 5% per annum. The return on equity is forecasted to reach 20.3% within three years.
In terms of price targets, the consensus among analysts indicates an average target price of approximately 130.57 CZK, with estimates ranging from 113.00 CZK to 170.00 CZK.
These projections suggest that while MONETA Money Bank is expected to experience steady growth, the stock’s potential may be somewhat limited in the near term.
Penafian: This material is for general informational and educational purposes only and should not be considered investment advice or an investment recommendation. T4Trade is not responsible for any data provided by third parties referenced or hyperlinked in this communication.
