Financiere Moncey (FMONC) AI Stock Analysis

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Financiere Moncey

(Paris:FMONC)

Select Model

Rating:56Neutral

Price Target:EUR 109.00▲(4.81% Upside)

Action:reiterated

Date:11/11/26

The overall score of 56 reflects a company with exceptional financial stability but very weak earnings power. The pristine, debt-free balance sheet and consistent cash flows are the primary strengths. These are significantly offset by a declining net income trend, a core operating business that is barely profitable, and an extremely high P/E ratio that signals overvaluation. The high dividend yield is a notable positive but appears precarious given the low earnings base. Technical trends are mildly negative, adding a note of caution.

Positive Factors

Very strong balance sheetMinimal leverage materially reduces financial risk and limits the burden of interest or refinancing obligations. The large equity base also gives Financiere Moncey resilience through weaker periods and preserves flexibility to manage its portfolio without relying heavily on external debt.

Negative Factors

Uneven operating profitabilityRepeated negative EBIT shows that underlying operating profitability has not been consistently established, even though net income remained positive. This weakens confidence in recurring earnings power and makes future returns more dependent on portfolio outcomes or timing than on steady operating performance.

Financiere Moncey (FMONC) vs. iShares MSCI France ETF (EWQ)

Market Cap: EUR 1.94B
Dividend Yield: 13.73%
Average Volume (3M): 415
Price to Earnings (P/E): 419.4
Beta (1Y): 0.23
Revenue Growth: ―
EPS Growth: -43.76%
Country: France
Employees: 0
Sector: Financial
Sector Strength: 68
Industry: Financial - Conglomerates

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 s...

How the Company Makes Money

Financiere Moncey’s economic model is that of a holding company: it generates value and cash flow primarily from its equity holdings. Typical sources include (i) dividends received from portfolio companies (cash distributions from its participations)...

Financiere Moncey Financial Statement Overview

Summary

Financial performance is a tale of two extremes. The balance sheet is pristine with zero debt and €1.94B in equity, and cash flow is consistently positive and stable. However, the income statement reveals weak and declining profitability, with net income falling to €4.7M and a very low return on equity. The overall financial health is secure, but earnings power is limited.

Income Statement

30Negative

Balance Sheet

85Very Positive

Cash Flow

78Positive

Financial statement breakdown
Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2021
Income Statement
Total Revenue	0	2.17M	0	0	1.16M	0
Gross Profit	-416	1.29M	-587.00K	-578.00K	741.00K	-394.00K
EBITDA	4.30M	1.29M	0	0	0	0
Net Income	4.54M	4.70M	9.23M	13.46M	7.89M	9.50M
Balance Sheet
Total Assets	2.08B	1.94B	2.08B	1.82B	1.65B	1.71B
Cash, Cash Equivalents and Short-Term Investments	9.56M	5.58M	9.30M	6.04M	3.90M	3.00M
Total Debt	0	0	1,000	0	0	0
Total Liabilities	114.00K	158.00K	403.00K	121.00K	243.00K	119.00K
Stockholders Equity	2.08B	1.94B	2.08B	1.80B	1.63B	1.69B
Cash Flow
Free Cash Flow	3.81M	8.37M	8.26M	8.18M	4.43M	4.38M
Operating Cash Flow	3.81M	8.37M	8.26M	8.18M	4.43M	4.38M
Investing Cash Flow	-7.09M	-7.09M	0	0	70.00K	0
Financing Cash Flow	-2.47M	-5.00M	-4.97M	-5.13M	-4.18M	-5.28M

Financiere Moncey Technical Analysis

Technical Analysis SentimentNegative

Last Price104.00

Price Trends

50DMA105.30Negative

100DMA107.81Negative

200DMA112.29Negative

Market Momentum

MACD-0.31Positive

RSI42.50Neutral

STOCH7.84Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:FMONC, the sentiment is Negative. The current price of 104.00 is below the 20-day moving average (MA) of 107.23, below the 50-day MA of 105.30, and below the 200-day MA of 112.29, indicating a bearish trend. The MACD of -0.31 indicates Positive momentum. The RSI at 42.50 is Neutral, neither overbought nor oversold. The STOCH value of 7.84 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:FMONC.

Financiere Moncey Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

FR:FMONC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FR:ANTIN	83Outperform	EUR 1.37B	12.91	22.58%	7.35%	-11.54%	-17.83%
FR:TKO	70Outperform	EUR 2.73B	11.79	7.44%	5.06%	32.01%	-23.67%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FR:MF	62Neutral	EUR 3.71B	-74.58	-2.62%	5.75%	-13.33%	6.71%
FR:PEUG	61Neutral	EUR 1.36B	5.72	6.13%	5.94%	-100.69%	497.20%
FR:RF	59Neutral	EUR 3.31B	-26.02	-1.65%	5.89%	18.08%	82.50%
FR:FMONC	56Neutral	EUR 1.94B	419.35	―	13.73%	―	-43.76%

* Financial Sector Average

Performance Comparison

FR:FMONC and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
FR:FMONC	Financiere Moncey	104.00	-5.42	-4.95%
FR:RF	Eurazeo SA	49.54	-1.34	-2.64%
FR:PEUG	Peugeot Invest SA	54.70	-13.89	-20.25%
FR:MF	Wendel SE	88.75	15.30	20.83%
FR:TKO	Tikehau Capital SCA	15.80	1.37	9.46%
FR:ANTIN	Antin Infrastructure Partners	7.62	-2.05	-21.22%

Financiere Moncey Corporate Events

Financière Moncey Publishes 2026 Half‑Year Financial Report

Sep 29, 2026

Financière Moncey has published its half‑year financial report for the period ending 30 June 2026, making the document available to the public and filing it with the Autorité des Marchés Financiers in line with French regulatory obligations.The repor...

Financière Moncey boosts equity and cash, announces exceptional interim dividend

Sep 18, 2026

Financière Moncey reported stable first-half 2026 financial income of 2.3 million euros and a slight dip in net profit, Group share, to 4.3 million euros, mainly reflecting its share of earnings from Société Industrielle et Financière de l’Artois. Sh...

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Nov 10, 2026

Financiere Moncey AI Stock Analysis