Financiere Moncey (FMONC) AI Stock Analysis

• Market Cap: €2.23B
• Dividend Yield: N/A
• Average Volume (3M): 360.00
• Price to Earnings (P/E): 273.2
• Beta (1Y): 0.58
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: FR
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 0.24
• Shares Outstanding: 18,642,900
• 10 Day Avg. Volume: 394
• 30 Day Avg. Volume: 360
• PEG Ratio: -2.80
• Price to Book (P/B): 1.23
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 310.35
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 62 Neutral
• Price Target: €129.00 ▲(12.17% Upside)

The score is driven primarily by strong balance-sheet conservatism and consistently positive cash generation, which support resilience. Offsetting this is weak core operating quality (near-zero revenue and negative gross profit/EBIT), and valuation risk from an extremely high P/E despite a very high dividend yield. Technicals are mildly supportive with a modest uptrend but only neutral momentum.

Positive Factors

Conservative balance sheet

Extremely low leverage and a growing equity base provide durable financial flexibility: the company can fund portfolio support, opportunistic stakes, or return capital without needing market financing. This conservatism reduces solvency risk and supports resilience through economic cycles.

Consistent positive operating and free cash flow

Reliable positive OCF and FCF, with cash covering net income, imply the holding generates real cash to fund distributions, investments or buybacks. Persistent cash production improves long-term sustainability of payouts and reduces dependence on asset sales or external funding.

Holding company model with multiple income channels

As a portfolio holding company, income can come from dividends, realized gains and interest/fees rather than a single operating line. This structural mix can provide diversification of cash generation sources and allow management to smooth returns via active portfolio rotations.

Negative Factors

Near-zero reported revenue and weak operating margins

Core operating activity is minimal and operating profitability is negative, meaning recurring earnings are not generated by normal business operations. This reduces predictability of long-term distributable earnings and complicates modeling of sustainable cash flows beyond one-off items.

Earnings reliant on non-operating items

When net income depends largely on investment gains or one-off items, earnings become inherently lumpy and correlated to market cycles. That structural reliance undermines the stability of dividends and makes medium-term forecasting and capital allocation assessment more uncertain.

Very low returns on equity

ROE levels under 2% indicate the sizeable equity base produces limited economic return, suggesting capital is not being deployed for strong growth. Over months, persistently low ROE constrains intrinsic value creation and raises questions about management's ability to boost long-term shareholder returns.

Financiere Moncey Business Overview & Revenue Model

Company Description

Financière Moncey Société anonyme operates as a holding company that manages a portfolio of investments in France. Financière Moncey Société anonyme was founded in 1875 and is headquartered in Puteaux, France. Financière Moncey Société anonyme is a subsidiary of Compagnie du Cambodge.

How the Company Makes Money

Financiere Moncey Financial Statement Overview

Summary

Strong financial stability and liquidity with minimal leverage and consistently positive operating/free cash flow. However, income statement quality is weak: revenue is effectively zero in most years and recurring negative gross profit/EBIT suggests profitability is driven by non-operating items, reducing predictability.

Income Statement

Reported revenue is effectively zero in most years (except 2021), which makes margin signals less meaningful and raises questions about the consistency of reported operating activity. Net income is positive across all periods shown, but operating profitability is weak: gross profit and EBIT are negative in 2022–2024 (and EBIT also negative in 2020–2021). Overall, earnings appear driven more by non-operating items than by core operations, reducing quality and predictability of the income statement.

Balance Sheet

The balance sheet is very conservatively financed, with negligible debt (zero in most years and only ~1k in 2024) against a very large equity base. Equity and assets have also grown meaningfully from 2020 to 2024, supporting financial stability. The main weakness is low returns on equity (roughly 0.4%–1.6% across the period), suggesting limited profitability relative to the capital base.

Cash Flow

Operating cash flow and free cash flow are positive every year shown, with a strong step-up from 2022 to 2023–2024. Cash generation appears high relative to accounting earnings (operating cash flow covers net income by a wide margin each year), which is a key strength. However, free cash flow growth is volatile (including a very large spike in 2024), which can indicate lumpiness and less steady underlying cash generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	0.00	0.00	0.00	0.00	1.16M	0.00
Gross Profit	-587.17K	-587.00K	-578.00K	-394.00K	741.00K	-376.00K
EBITDA	0.00	0.00	0.00	0.00	8.09M	18.33M
Net Income	9.23M	9.23M	13.46M	9.50M	7.89M	18.27M
Balance Sheet
Total Assets	1.95B	2.08B	1.82B	1.71B	1.65B	1.14B
Cash, Cash Equivalents and Short-Term Investments	13.32M	9.30M	6.04M	3.00M	3.90M	3.58M
Total Debt	0.00	1.00K	0.00	0.00	0.00	0.00
Total Liabilities	510.00K	403.00K	121.00K	119.00K	243.00K	99.00K
Stockholders Equity	1.95B	2.08B	1.80B	1.69B	1.63B	1.13B
Cash Flow
Free Cash Flow	8.66K	8.26M	8.18M	4.38M	4.43M	3.84M
Operating Cash Flow	8.66K	8.26M	8.18M	4.38M	4.43M	3.84M
Investing Cash Flow	0.00	0.00	0.00	0.00	70.00K	0.00
Financing Cash Flow	-4.90K	-4.97M	-5.13M	-5.28M	-4.18M	-4.18M

Financiere Moncey Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FMONC	62 Neutral	€2.23B	273.21	―	―	―	―