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Alior Bank S.A.WSE:ALR Stock Report

Market Cap zł15.0b
Share Price
zł115.00
zł126.43
9.0% undervalued intrinsic discount
1Y-6.2%
7D5.2%
Portfolio Value
View

Alior Bank S.A.

WSE:ALR Stock Report

Market Cap: zł15.0b

Alior Bank (ALR) Stock Overview

Provides various banking products and services for individuals, businesses, and enterprises in Poland. More details

ALR fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance2/6
Financial Health4/6
Dividends4/6

ALR Community Fair Values

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zł126.43
FV
9.0% undervalued intrinsic discount
4.34%
Revenue growth p.a.
43
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Alior Bank S.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Alior Bank
Historical stock prices
Current Share Pricezł115.00
52 Week Highzł129.60
52 Week Lowzł91.50
Beta0.98
1 Month Change-1.03%
3 Month Change4.12%
1 Year Change-6.24%
3 Year Change195.33%
5 Year Change383.40%
Change since IPO88.83%

Recent News & Updates

Recent updates

User avatar

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.

If EPS Growth Is Important To You, Alior Bank (WSE:ALR) Presents An Opportunity

Apr 05
If EPS Growth Is Important To You, Alior Bank (WSE:ALR) Presents An Opportunity

Is Now The Time To Put Alior Bank (WSE:ALR) On Your Watchlist?

May 23
Is Now The Time To Put Alior Bank (WSE:ALR) On Your Watchlist?

Should You Be Adding Alior Bank (WSE:ALR) To Your Watchlist Today?

Oct 31
Should You Be Adding Alior Bank (WSE:ALR) To Your Watchlist Today?

Shareholder Returns

ALRPL BanksPL Market
7D5.2%4.5%2.6%
1Y-6.2%17.5%21.1%

Return vs Industry: ALR underperformed the Polish Banks industry which returned 14.4% over the past year.

Return vs Market: ALR underperformed the Polish Market which returned 19.6% over the past year.

Price Volatility

Is ALR's price volatile compared to industry and market?
ALR volatility
ALR Average Weekly Movement4.5%
Banks Industry Average Movement4.2%
Market Average Movement5.1%
10% most volatile stocks in PL Market10.8%
10% least volatile stocks in PL Market3.3%

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

FoundedEmployeesCEOWebsite
20086,650Piotr Zabskiwww.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

How do Alior Bank's earnings and revenue compare to its market cap?
ALR fundamental statistics
Market capzł15.01b
Earnings (TTM)zł2.37b
Revenue (TTM)zł5.69b
6.3x
P/E Ratio
1.2x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ALR income statement (TTM)
Revenuezł5.69b
Cost of Revenuezł94.66m
Gross Profitzł5.59b
Other Expenseszł3.22b
Earningszł2.37b

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

Apr 28, 2026

Earnings per share (EPS)18.13
Gross Margin98.33%
Net Profit Margin41.64%
Debt/Equity Ratio26.3%

How did ALR perform over the long term?

See historical performance and comparison

Dividends

8.0%
Current Dividend Yield
52%
Payout Ratio

Does ALR pay a reliable dividends?

See ALR dividend history and benchmarks
When do you need to buy ALR by to receive an upcoming dividend?
Alior Bank dividend dates
Ex Dividend DateMay 12 2026
Dividend Pay DateMay 27 2026
Days until Ex dividend40 days
Days until Dividend pay date55 days

Does ALR pay a reliable dividends?

See ALR dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/04/01 06:26
End of Day Share Price 2026/04/01 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 16 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.

AnalystInstitution
Dariusz GorskiBanco Santander
Ivan BokhmatBarclays
Mikolaj LemanczykBiuro maklerskie mBanku