MONETA MONEY BANK, |
End-of-day quote
Other stock markets
|
5-day change | 1st Jan Change | ||
| 103.4 CZK | +0.39% |
|
+1.57% | +10.47% |
| Apr. 25 | Transcript : MONETA Money Bank, a.s., Q1 2024 Earnings Call, Apr 25, 2024 | |
| Apr. 24 | MONETA Money Bank, a.s. Reports Earnings Results for the First Quarter Ended March 31, 2024 | CI |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Capitalization 1 | 43,435 | 34,748 | 47,906 | 38,836 | 47,830 | 49,567 | - | - |
| Enterprise Value (EV) 1 | 43,435 | 34,748 | 47,906 | 38,836 | 47,830 | 49,567 | 49,567 | 49,567 |
| P/E ratio | 10.8 x | 13.3 x | 12 x | 7.45 x | 9.18 x | 9.66 x | 9.32 x | 9.13 x |
| Yield | 7.82% | - | 7.47% | 10.5% | 9.62% | 9.19% | 8.6% | 8.93% |
| Capitalization / Revenue | 4.13 x | 2.87 x | 4.29 x | 3.21 x | 3.94 x | 3.97 x | 3.8 x | 3.64 x |
| EV / Revenue | 4.13 x | 2.87 x | 4.29 x | 3.21 x | 3.94 x | 3.97 x | 3.8 x | 3.64 x |
| EV / EBITDA | - | - | - | - | - | - | - | - |
| EV / FCF | - | - | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - | - | - |
| Price to Book | 1.78 x | 1.28 x | 1.62 x | 1.25 x | 1.49 x | 1.53 x | 1.49 x | 1.45 x |
| Nbr of stocks (in thousands) | 511,000 | 511,000 | 511,000 | 511,000 | 511,000 | 511,000 | - | - |
| Reference price 2 | 85.00 | 68.00 | 93.75 | 76.00 | 93.60 | 97.00 | 97.00 | 97.00 |
| Announcement Date | 2/6/20 | 2/5/21 | 2/4/22 | 2/3/23 | 2/2/24 | - | - | - |
1CZK in Million2CZK
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 10,519 | 12,098 | 11,168 | 12,116 | 12,147 | 12,498 | 13,054 | 13,617 |
| EBITDA | - | - | - | - | - | - | - | - |
| EBIT 1 | 5,500 | 6,572 | 5,630 | 6,522 | 6,417 | 6,768 | 7,230 | 7,601 |
| Operating Margin | 52.29% | 54.32% | 50.41% | 53.83% | 52.83% | 54.15% | 55.38% | 55.82% |
| Earnings before Tax (EBT) 1 | 4,983 | 3,010 | 4,935 | 6,432 | 6,112 | 5,913 | 6,231 | 6,358 |
| Net income 1 | 4,019 | 2,601 | 3,984 | 5,187 | 5,200 | 4,902 | 5,122 | 5,389 |
| Net margin | 38.21% | 21.5% | 35.67% | 42.81% | 42.81% | 39.23% | 39.23% | 39.57% |
| EPS 2 | 7.900 | 5.100 | 7.800 | 10.20 | 10.20 | 10.04 | 10.41 | 10.62 |
| Free Cash Flow | - | - | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - | - |
| Dividend per Share 2 | 6.650 | - | 7.000 | 8.000 | 9.000 | 8.915 | 8.338 | 8.660 |
| Announcement Date | 2/6/20 | 2/5/21 | 2/4/22 | 2/3/23 | 2/2/24 | - | - | - |
1CZK in Million2CZK
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2020 S1 | 2021 S1 | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 S1 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 S1 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 6,627 | 5,386 | 3,001 | 3,024 | 3,066 | 6,090 | 3,022 | 3,004 | 2,844 | 3,028 | 5,872 | 3,180 | 3,095 | 3,117 | 3,081 | 3,195 | 3,267 |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT | - | 2,536 | 1,575 | 1,504 | 1,791 | 3,295 | 1,666 | - | 1,299 | 1,656 | - | 1,904 | 1,558 | 1,631 | - | - | - |
| Operating Margin | - | 47.09% | 52.48% | 49.74% | 58.41% | 54.11% | 55.13% | - | 45.68% | 54.69% | - | 59.87% | 50.34% | 52.33% | - | - | - |
| Earnings before Tax (EBT) | - | 1,784 | 1,333 | 1,599 | 1,946 | 3,545 | 1,542 | 1,345 | 1,415 | 1,510 | 2,925 | 1,762 | 1,425 | 1,496 | - | - | - |
| Net income | - | 1,431 | 1,087 | 1,290 | 1,582 | 2,872 | 1,251 | 1,064 | 1,215 | 1,263 | 2,478 | 1,494 | 1,228 | 1,286 | - | - | - |
| Net margin | - | 26.57% | 36.22% | 42.66% | 51.6% | 47.16% | 41.4% | 35.42% | 42.72% | 41.71% | 42.2% | 46.98% | 39.68% | 41.26% | - | - | - |
| EPS 2 | - | - | - | - | 3.100 | - | 2.450 | 2.150 | - | 2.500 | - | 3.000 | 2.400 | 2.500 | 2.560 | 2.760 | 2.910 |
| Dividend per Share | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Announcement Date | 7/31/20 | 7/29/21 | 2/4/22 | 4/28/22 | 7/28/22 | 7/28/22 | 10/27/22 | 2/3/23 | 4/27/23 | 7/27/23 | 7/27/23 | 10/26/23 | 2/2/24 | 4/25/24 | - | - | - |
1CZK in Million2CZK
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 16.5% | 9.6% | 13.5% | 16.7% | 16.1% | 15.3% | 15.4% | 16.5% |
| ROA (Net income/ Total Assets) | 1.9% | 0.9% | 1.2% | 1.4% | 1.2% | 1.08% | 1.08% | 1.07% |
| Assets 1 | 211,526 | 289,000 | 332,000 | 370,500 | 433,333 | 456,040 | 474,669 | 502,037 |
| Book Value Per Share 2 | 47.80 | 52.90 | 57.70 | 60.80 | 63.00 | 63.30 | 65.20 | 67.00 |
| Cash Flow per Share | - | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - | - |
| Announcement Date | 2/6/20 | 2/5/21 | 2/4/22 | 2/3/23 | 2/2/24 | - | - | - |
1CZK in Million2CZK
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
B-
Sell
Buy
Mean consensus
OUTPERFORM
Number of Analysts
8
Last Close Price
97
CZK
Average target price
102.9
CZK
Spread / Average Target
+6.10%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| +10.47% | 2.1B | |
| +13.75% | 556B | |
| +12.36% | 298B | |
| +8.64% | 247B | |
| +21.72% | 210B | |
| +16.11% | 170B | |
| +6.88% | 162B | |
| +4.42% | 153B | |
| -11.67% | 138B | |
| +0.10% | 139B |
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- Financials MONETA Money Bank,
