Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Monni NV is a Belgium-based financial technology company that provides electronic payment and transaction processing services. The company specializes in payment terminals and related solutions, including the personalization, programming, installation, rental, sale, maintenance, and support of fixed, portable, and mobile devices used by merchants and service providers. Monni NV also offers payment services for e-commerce and mobile commerce, as well as loyalty card solutions and authorization processing through its own payment platform. Its operations are organized around payment terminals and payment authorization activities, serving businesses that need secure, efficient, and integrated payment acceptance tools. Based in Zaventem, Belgium, Monni NV plays a practical role in the payments infrastructure market by supporting in-store, online, and mobile commerce with hardware, software, and transaction services.
€8.00
+€0.05 (+0.63%)
EOD Jun 23, 2026 · Twelve Data
13.08% operating margin is respectable but not wide. ROIC at 6.46%. Suggests the business covers its cost of capital, but doesn't point to a wide moat.
Revenue declined 18.4% YoY. Margins deteriorated 5.6pp alongside, both lines moving the wrong way.
Operating margin contracted 5.6pp YoY, cost discipline may be slipping.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€19M
▼ -18.4% YoY
Net Income (TTM)
-€2M
▼ -311.2% YoY
Op. Margin
13.08%
▼ -5.6pp YoY
ROIC
6.46%
▼ -0.5pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
€6M
▲ +169.9% YoY
Op. Cash Flow (TTM)
€6M
▲ +169.9% YoY
Net Debt
-€8M
Net Cash Position
Cash & Equiv.
€9M
Continue Research
Monni NV (MONNI.XBRU) trades below a two-stage DCF intrinsic value of about €127.99 per share, so at €8.00 the stock looks undervalued (1,499.9% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Monni NV scores 48/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €127.99 per share for MONNI.XBRU, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €95.99. At today's €8.00, that puts the stock about 1,499.9% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Monni NV scores 48 out of 100 on Intrinsiqq's quality score, passing 3 of 7 checks, which makes it a mixed business on these measures. Recent fundamentals include a 13.1% operating margin and a 6.5% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full check-by-check breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. MONNI.XBRU currently trades below its estimated intrinsic value and scores 48/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.