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FINANCIERE MONCEY (FMONC.PA) Stock Fundamental Analysis

EPA:FMONC - Euronext Paris - Matif - FR001400SU99 - Common Stock - Currency: EUR

115  -2 (-1.71%)

Fundamental Rating

3

Taking everything into account, FMONC scores 3 out of 10 in our fundamental rating. FMONC was compared to 47 industry peers in the Financial Services industry. FMONC has a great financial health rating, but its profitability evaluates not so good. FMONC has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FMONC was profitable.
FMONC had a positive operating cash flow in the past year.
FMONC had positive earnings in each of the past 5 years.
In the past 5 years FMONC always reported a positive cash flow from operatings.
FMONC.PA Yearly Net Income VS EBIT VS OCF VS FCFFMONC.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.44%, FMONC is doing worse than 65.96% of the companies in the same industry.
FMONC has a worse Return On Equity (0.44%) than 68.09% of its industry peers.
Industry RankSector Rank
ROA 0.44%
ROE 0.44%
ROIC N/A
ROA(3y)0.58%
ROA(5y)0.76%
ROE(3y)0.59%
ROE(5y)0.77%
ROIC(3y)N/A
ROIC(5y)N/A
FMONC.PA Yearly ROA, ROE, ROICFMONC.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8

1.3 Margins

FMONC does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FMONC.PA Yearly Profit, Operating, Gross MarginsFMONC.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

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8

2. Health

2.1 Basic Checks

The number of shares outstanding for FMONC has been increased compared to 1 year ago.
FMONC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for FMONC is higher compared to a year ago.
FMONC.PA Yearly Shares OutstandingFMONC.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
FMONC.PA Yearly Total Debt VS Total AssetsFMONC.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

An Altman-Z score of 3247.23 indicates that FMONC is not in any danger for bankruptcy at the moment.
FMONC's Altman-Z score of 3247.23 is amongst the best of the industry. FMONC outperforms 100.00% of its industry peers.
There is no outstanding debt for FMONC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3247.23
ROIC/WACCN/A
WACCN/A
FMONC.PA Yearly LT Debt VS Equity VS FCFFMONC.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

FMONC has a Current Ratio of 23.17. This indicates that FMONC is financially healthy and has no problem in meeting its short term obligations.
FMONC has a better Current ratio (23.17) than 97.87% of its industry peers.
A Quick Ratio of 23.17 indicates that FMONC has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 23.17, FMONC belongs to the top of the industry, outperforming 97.87% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 23.17
Quick Ratio 23.17
FMONC.PA Yearly Current Assets VS Current LiabilitesFMONC.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M

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0

3. Growth

3.1 Past

FMONC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -31.58%.
Measured over the past years, FMONC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -55.75% on average per year.
EPS 1Y (TTM)-31.58%
EPS 3Y-77.45%
EPS 5Y-55.75%
EPS Q2Q%2.81%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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0

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 230.00 indicates a quite expensive valuation of FMONC.
74.47% of the companies in the same industry are cheaper than FMONC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.34. FMONC is valued rather expensively when compared to this.
Industry RankSector Rank
PE 230
Fwd PE N/A
FMONC.PA Price Earnings VS Forward Price EarningsFMONC.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, FMONC is valued a bit more expensive than 68.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 259.52
EV/EBITDA N/A
FMONC.PA Per share dataFMONC.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

FMONC has a yearly dividend return of 0.25%, which is pretty low.
The stock price of FMONC dropped by -20.13% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 4.00, FMONC has a dividend in line with its industry peers.
With a Dividend Yield of 0.25, FMONC pays less dividend than the S&P500 average, which is at 2.40.
Industry RankSector Rank
Dividend Yield 0.25%

5.2 History

The dividend of FMONC decreases each year by -57.30%.
Dividend Growth(5Y)-57.3%
Div Incr Years0
Div Non Decr Years2
FMONC.PA Yearly Dividends per shareFMONC.PA Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

57.03% of the earnings are spent on dividend by FMONC. This is a bit on the high side, but may be sustainable.
FMONC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP57.03%
EPS Next 2YN/A
EPS Next 3YN/A
FMONC.PA Yearly Income VS Free CF VS DividendFMONC.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
FMONC.PA Dividend Payout.FMONC.PA Dividend Payout, showing the Payout Ratio.FMONC.PA Dividend Payout.PayoutRetained Earnings

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FINANCIERE MONCEY

EPA:FMONC (6/19/2025, 7:00:00 PM)

115

-2 (-1.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-26 2025-03-26
Earnings (Next)09-11 2025-09-11
Inst Owners0.02%
Inst Owner ChangeN/A
Ins Owners96.14%
Ins Owner ChangeN/A
Market Cap2.14B
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.25%
Yearly Dividend0.29
Dividend Growth(5Y)-57.3%
DP57.03%
Div Incr Years0
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 230
Fwd PE N/A
P/S N/A
P/FCF 259.52
P/OCF 259.52
P/B 1.03
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)0.5
EY0.43%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.44
FCFY0.39%
OCF(TTM)0.44
OCFY0.39%
SpS0
BVpS111.53
TBVpS111.53
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.44%
ROE 0.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)0.58%
ROA(5y)0.76%
ROE(3y)0.59%
ROE(5y)0.77%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 89.46%
Current Ratio 23.17
Quick Ratio 23.17
Altman-Z 3247.23
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)65.45%
Profit Quality(5y)54.69%
High Growth Momentum
Growth
EPS 1Y (TTM)-31.58%
EPS 3Y-77.45%
EPS 5Y-55.75%
EPS Q2Q%2.81%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-1.56%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y0.99%
FCF growth 3Y23.08%
FCF growth 5Y10.96%
OCF growth 1Y0.99%
OCF growth 3Y23.08%
OCF growth 5Y10.96%