Alior Bank SA is a universal lending and deposit-taking bank that provides services primarily to a Polish customer base. Its core activities include maintaining bank accounts, granting loans and advances, issuing banking securities, and buying and selling foreign currencies. Its subsidiary group company conducts brokerage activities, consulting, financial agency services, and other financial services. Its loan and advances book is diversified across various categories, notably retail cash loans and overdrafts, housing loans and other mortgages, working capital, and investment loans. About a quarter of the amounts due from customers originate from the Mazovia province. The group's operations are financed from the funds of non-financial-sector customers deposited with the bank.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.77
Equity-to-Asset	0.11
Debt-to-Equity	0.31
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.82	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	15.7
	3-Year Book Growth Rate	12.1
	Future 3-5Y Total Revenue Growth Rate	-2.4

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	55.98
	9-Day RSI	56.08
	14-Day RSI	57.57
	6-1 Month Momentum %	48.88
	12-1 Month Momentum %	129.98

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Forward Dividend Yield %	4.25
	Shareholder Yield %	-7.66

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	37.31
	FCF Margin %	-88.64
	ROE %	26.54
	ROA %	2.57
	Years of Profitability over Past 10-Year	9

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	6.05
	Forward PE Ratio	6.78
	PE Ratio without NRI	5.85
	Shiller PE Ratio	16.94
	PEG Ratio	1.43
	PS Ratio	2.25
	PB Ratio	1.38
	Price-to-Tangible-Book	1.44
	EV-to-Forward-EBIT	3.61
	EV-to-Revenue	2.37
	EV-to-Forward-Revenue	2.26
	EV-to-FCF	-2.68
	Price-to-DCF (Earnings Based)	0.55
	Price-to-Median-PS-Value	1.22
	Price-to-Graham-Number	0.61
	FCF Yield %	-39.27
	Forward Rate of Return (Yacktman) %	-3.27

Financials (Next Earnings Date:2024-08-02 Est.)

Annual Quarterly TTM

WAR:ALR's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Alior Bank SA Executives

Details

GF Value: zł62.34

WAR:ALR

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with ALR. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil zł)	6,010.018
	EPS (TTM) (zł)	17.18
	Beta	1.92
	Volatility %	45.64
	14-Day RSI	57.57
	14-Day ATR (zł)	3.255659
	20-Day SMA (zł)	103.2035
	12-1 Month Momentum %	129.98
	52-Week Range (zł)	40.1 - 108.35
	Shares Outstanding (Mil)	130.55

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Alior Bank SA Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Alior Bank SA Stock Events

Financials Calendars

	Event	Date	Price(zł)
No Event Data

Alior Bank SA Frequently Asked Questions

What is Alior Bank SA(WAR:ALR)'s stock price today?

The current price of WAR:ALR is zł103.90. The 52 week high of WAR:ALR is zł108.35 and 52 week low is zł40.10.

When is next earnings date of Alior Bank SA(WAR:ALR)?

The next earnings date of Alior Bank SA(WAR:ALR) is 2024-08-02 Est..

Does Alior Bank SA(WAR:ALR) pay dividends? If so, how much?

Alior Bank SA(WAR:ALR) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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