Alior Bank (ALR) Stock Overview
Provides various banking products and services for individuals, businesses, and enterprises in Poland. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 4/6 |
| Dividends | 3/6 |
ALR Community Fair Values
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Analyst Price Targets
Alior Bank S.A. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | zł138.40 |
| 52 Week High | zł139.60 |
| 52 Week Low | zł91.96 |
| Beta | 0.83 |
| 1 Month Change | 14.38% |
| 3 Month Change | 22.80% |
| 1 Year Change | 39.66% |
| 3 Year Change | 201.72% |
| 5 Year Change | 299.88% |
| Change since IPO | 127.26% |
Recent News & Updates
Narrative Update • Jun 08
ALR: Higher P/E Assumptions And Dividend Visibility Will Support Bullish View
Analysts have adjusted their price target on Alior Bank slightly higher, from PLN 138.97 to PLN 140.33, reflecting updated assumptions on the discount rate, revenue growth, profit margin and future P/E, even as some recent Street research has become more cautious on the stock. What's in the News Alior Bank S.A. announced an annual dividend of PLN 8.93 per share, with an ex dividend date set for May 12, 2026, a record date on May 13, 2026, and payment expected on May 27, 2026 (Key Developments).Narrative Update • May 25
ALR: Higher P/E Assumptions And Dividend Outlook Will Support Bullish View
Alior Bank's analyst price target has shifted to around PLN 139 from about PLN 137, as analysts adjust fair value assumptions and P/E expectations while factoring in recent downgrades and updated views on revenue and profitability. Analyst Commentary Bullish Takeaways Bullish analysts still see enough earnings power to support price targets around PLN 138 to PLN 139, which signals that, even after adjustments, they view the stock as reasonably aligned with their fair value work.Narrative Update • Apr 28
ALR: Higher Margin Assumptions Will Support Bullish Outlook Despite Recent Downgrades
Analysts have raised their fair value estimate for Alior Bank from about PLN 126.43 to roughly PLN 136.96, citing updated assumptions around discount rates, revenue growth, profit margins and future P/E, alongside recent rating downgrades and a PLN 138.30 price target from the Street. Analyst Commentary Bullish Takeaways Bullish analysts still see enough support in Alior Bank's fundamentals to justify a fair value estimate close to the PLN 138.30 price target, even after incorporating updated assumptions on discount rates and margins.Recent updates
Narrative Update • Jun 08
ALR: Higher P/E Assumptions And Dividend Visibility Will Support Bullish View
Analysts have adjusted their price target on Alior Bank slightly higher, from PLN 138.97 to PLN 140.33, reflecting updated assumptions on the discount rate, revenue growth, profit margin and future P/E, even as some recent Street research has become more cautious on the stock. What's in the News Alior Bank S.A. announced an annual dividend of PLN 8.93 per share, with an ex dividend date set for May 12, 2026, a record date on May 13, 2026, and payment expected on May 27, 2026 (Key Developments).Narrative Update • May 25
ALR: Higher P/E Assumptions And Dividend Outlook Will Support Bullish View
Alior Bank's analyst price target has shifted to around PLN 139 from about PLN 137, as analysts adjust fair value assumptions and P/E expectations while factoring in recent downgrades and updated views on revenue and profitability. Analyst Commentary Bullish Takeaways Bullish analysts still see enough earnings power to support price targets around PLN 138 to PLN 139, which signals that, even after adjustments, they view the stock as reasonably aligned with their fair value work.Narrative Update • Apr 28
ALR: Higher Margin Assumptions Will Support Bullish Outlook Despite Recent Downgrades
Analysts have raised their fair value estimate for Alior Bank from about PLN 126.43 to roughly PLN 136.96, citing updated assumptions around discount rates, revenue growth, profit margins and future P/E, alongside recent rating downgrades and a PLN 138.30 price target from the Street. Analyst Commentary Bullish Takeaways Bullish analysts still see enough support in Alior Bank's fundamentals to justify a fair value estimate close to the PLN 138.30 price target, even after incorporating updated assumptions on discount rates and margins.Narrative Update • Feb 21
ALR: Steady Discount Rate And Margins Will Support Fair Value Outlook
Analysts have kept their PLN 126.43 price target for Alior Bank unchanged, citing stable assumptions for the discount rate, revenue growth, profit margin and forward P/E as the reason for maintaining this level. Valuation Changes Fair Value: PLN 126.43 remains unchanged, indicating no revision to the headline valuation level.Narrative Update • Feb 07
ALR: Adjusted Growth Assumptions Will Support Fairly Valued Future Returns
Analysts have trimmed their price target for Alior Bank slightly to €126.43 from €126.68, reflecting updated assumptions around revenue growth, profit margins and a modestly higher future P/E multiple. Valuation Changes Fair Value: Trimmed slightly to €126.43 from €126.68.Narrative Update • Jan 23
ALR: Lending Strength And Improved Profitability Will Support Fairly Valued Future Returns
Analysts have nudged their price target on Alior Bank slightly higher to €126.68, reflecting tweaks to their models that now use a discount rate of 10.63%, revenue growth of 5.34%, a profit margin of 31.70% and a forward P/E of 10.57x. Valuation Changes Fair Value Estimate: Unchanged at €126.68, suggesting the updated model inputs offset each other overall.Narrative Update • Jan 08
ALR: Lending Portfolio Strength Will Support Future Returns As Upside Moderates
Analysts have trimmed their stance on Alior Bank, as reflected in a reduced price target to PLN 125.30, with only marginal tweaks to inputs like the discount rate, revenue growth, profit margin and future P/E shaping this narrative update. Analyst Commentary The recent move to lower the rating to Accumulate, while keeping the price target at PLN 125.30, signals that analysts still see room for upside but are more cautious about the balance between risk and reward at current levels.Narrative Update • Dec 16
ALR: Lending Portfolio Strength Will Support Future Earnings And Capital Returns
Analysts have nudged their price target on Alior Bank slightly higher to PLN 126.68 from PLN 126.34, reflecting modest adjustments to the discount rate and earnings expectations, while incorporating a more conservative growth outlook following recent research downgrades. Analyst Commentary Analysts highlight a more balanced risk reward profile for Alior Bank following the latest downgrade.Narrative Update • Dec 01
ALR: Lending Portfolio Strength Will Drive Future Earnings Expansion
Alior Bank's analyst price target was slightly reduced from PLN 126.60 to PLN 126.34 as analysts cite a minor decrease in revenue growth forecasts and profit margins, resulting in a more cautious outlook. Analyst Commentary Analyst assessments of Alior Bank's prospects show a mix of optimism for the company's strategic execution and caution regarding certain market pressures.Narrative Update • Oct 13
Mobile Solutions Will Grow Market In Poland Despite Margin Risks
Analysts have revised their price target for Alior Bank to PLN 126.60 from PLN 129.46, citing updated assessments of revenue growth, profit margins, and discount rates as the main factors for the slight decrease. Valuation Changes Fair Value Estimate: Decreased slightly from PLN 129.46 to PLN 126.60.Narrative Update • Sep 05
Mobile Solutions Will Grow Market In Poland Despite Margin Risks
With both the discount rate and future P/E remaining virtually unchanged, analysts maintained their consensus fair value for Alior Bank at PLN129.46. Valuation Changes Summary of Valuation Changes for Alior Bank The Consensus Analyst Price Target remained effectively unchanged, at PLN129.46.
New Narrative • Feb 09
Banking Digitization Will Boost Customer Engagement But Legal Risks May Impact Profitability
Improved risk management and digital engagement position Alior Bank for increased profitability and customer retention through better credit quality and transaction volume.Shareholder Returns
| ALR | PL Banks | PL Market | |
|---|---|---|---|
| 7D | 8.0% | 4.4% | 1.2% |
| 1Y | 39.7% | 46.0% | 30.7% |
Return vs Industry: ALR underperformed the Polish Banks industry which returned 46% over the past year.
Return vs Market: ALR exceeded the Polish Market which returned 30.7% over the past year.
Price Volatility
| ALR volatility | |
|---|---|
| ALR Average Weekly Movement | 4.9% |
| Banks Industry Average Movement | 4.8% |
| Market Average Movement | 5.4% |
| 10% most volatile stocks in PL Market | 10.8% |
| 10% least volatile stocks in PL Market | 3.1% |
Stable Share Price: ALR has not had significant price volatility in the past 3 months compared to the Polish market.
Volatility Over Time: ALR's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2008 | 6,650 | Piotr Zabski | www.aliorbank.pl |
Alior Bank S.A. provides various banking products and services for individuals, businesses, and enterprises in Poland. The company operates through three segments: Retail, Corporate, and Treasury Activities. It offers retail products, including cash loans, credit cards, current account overdraft facilities, and mortgage loans; term and savings deposits; brokerage products and investment funds; personal accounts; cash deposits, withdrawals, and transfers; and currency exchange transactions.
Alior Bank S.A. Fundamentals Summary
| ALR fundamental statistics | |
|---|---|
| Market cap | zł18.07b |
| Earnings (TTM) | zł2.29b |
| Revenue (TTM) | zł5.73b |
7.9x
P/E Ratio1.4x
P/B RatioIs ALR overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ALR income statement (TTM) | |
|---|---|
| Revenue | zł5.73b |
| Cost of Revenue | zł92.26m |
| Gross Profit | zł5.64b |
| Other Expenses | zł3.35b |
| Earnings | zł2.29b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Aug 04, 2026
| Earnings per share (EPS) | 17.57 |
| Gross Margin | 98.39% |
| Net Profit Margin | 40.01% |
| Debt/Equity Ratio | 20.2% |
How did ALR perform over the long term?
See historical performance and comparisonDividends
6.6%
Current Dividend Yield52%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/16 22:57 |
| End of Day Share Price | 2026/06/16 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Alior Bank S.A. is covered by 17 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Dariusz Gorski | Banco Santander |
| Ivan Bokhmat | Barclays |
| Mikolaj Lemanczyk | Biuro maklerskie mBanku |