Moneta Money Bank ASLTS:0RGC 66 ROE % is 19.78% as of Mar. 2026, which is 21% above its 10-year median of 16.31. GuruFocus rates LTS:0RGC with a GF Score™ of 66/100 and a GF Value™ of Kč61.80 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,524 Banks companies, Moneta Money Bank AS ranks better than 92.85% on this metric.
The historical rank and industry rank for Moneta Money Bank AS's ROE % or its related term are showing as below:
LTS:0RGC'
s ROE % Range Over the Past 10 Years
Min: 10.11 Med: 16.31 Max: 20.82
Current: 20.82
During the past 11 years, Moneta Money Bank AS's highest ROE % was 20.82%. The lowest was 10.11%. And the median was 16.31%.
LTS:0RGC's ROE % is ranked better than 92.85% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs LTS:0RGC: 20.82
Moneta Money Bank AS (LTS:0RGC) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Moneta Money Bank AS's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Moneta Money Bank AS ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Moneta Money Bank AS's ROE % distribution charts can be found below:
* The bar in red indicates where Moneta Money Bank AS's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Moneta Money Bank AS (LTS:0RGC) has a ROE % of 19.78% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Moneta Money Bank AS and its competitors. This is 21% above median its historical median of 16.31. Over the past decade, Moneta Money Bank AS's ROE % has ranged from 10.11 to 20.82. According to the industry distribution chart, Moneta Money Bank AS ranks #109 out of 1524 companies in the Banks industry, placing it in the top 7.2%.
Is Moneta Money Bank AS's ROE % too high?
Moneta Money Bank AS's current ROE % of 19.78% is 21% above median its 10-year median of 16.31. Over the past 10 years, this metric has ranged from a low of 10.11 to a high of 20.82. The Banks industry median ROE % is 10.22. Moneta Money Bank AS's value of 19.78% is 93.5% above this industry median. Based on the distribution chart, Moneta Money Bank AS ranks #109 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Moneta Money Bank AS has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Moneta Money Bank AS's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Moneta Money Bank AS ranks #109 out of 1524 companies for ROE %. This places Moneta Money Bank AS in the top 7% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Moneta Money Bank AS's value of 19.78% is 93.5% above this benchmark. Historically, Moneta Money Bank AS's own ROE % has ranged from 10.11 to 20.82 over the past decade. While the company's 10-year median is 16.31 vs. the industry median of 10.22, Moneta Money Bank AS has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Moneta Money Bank AS's current ROE % of 19.78% is 93.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Moneta Money Bank AS and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Moneta Money Bank AS's current ROE % is 19.78%, which is 21% above median its own 10-year median of 16.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Moneta Money Bank AS stock overvalued right now?
Based on GuruFocus' analysis, Moneta Money Bank AS (LTS:0RGC) is currently considered Significantly Overvalued. The stock's GF Value™ is Kč61.80, compared to a current price of Kč82.45 — trading 33.4% above its estimated fair value. The current ROE % is 19.78%, which is 21% above median its 10-year median of 16.31 and 93.5% above the Banks industry median of 10.22. Moneta Money Bank AS's overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Moneta Money Bank AS (LTS:0RGC), the current ROE % is 19.78% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Moneta Money Bank AS (LTS:0RGC) Overvalued in 2026?
Based on GuruFocus' analysis, Moneta Money Bank AS stock appears to be overvalued.
The current stock price of Kč82.45 is trading 33.4% above its estimated GF Value™ of Kč61.80.
GuruFocus considers Moneta Money Bank AS to be Significantly Overvalued.
Key valuation signals for LTS:0RGC:
ROE %: 19.78% (21% above median its 10-year median of 16.31)
GF Value™: Kč61.80 vs. price of Kč82.45 (33.4% above fair value)
Industry Position: 93.5% above the Banks median (#109 of 1524)
No single metric tells the full story. See the LTS:0RGC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Moneta Money Bank AS is a small and medium-sized enterprise banking institution based in the Czech Republic. The company's segment includes Commercial, Retail, and Other/Treasury. It generates maximum revenue from the Retail segment. The Retail segment focuses on deposits, loans, revolving products, credit cards, mortgages, building savings, and other transactions with retail customers. The Commercial segment consists of deposits, investment loans, revolving products, financing of real estate, and other services related to transactions with small and medium-sized enterprises, corporate clients, financial institutions, and public sector institutions. The Treasury Segment Performance and Other provides mainly the treasury function.
66GF Score
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