Reported Earnings • 14h
Second quarter 2026 earnings released: EPS: zł2.81 (vs zł4.90 in 2Q 2025) Second quarter 2026 results: EPS: zł2.81 (down from zł4.90 in 2Q 2025). Revenue: zł1.23b (down 17% from 2Q 2025). Net income: zł366.6m (down 43% from 2Q 2025). Profit margin: 30% (down from 43% in 2Q 2025). The decrease in margin was primarily driven by lower revenue. Revenue is forecast to grow 4.7% p.a. on average during the next 3 years, compared to a 6.8% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has increased by 35% per year, which means it is tracking significantly ahead of earnings growth. Announcement • Mar 25
Alior Bank S.A., Annual General Meeting, Apr 29, 2026 Alior Bank S.A., Annual General Meeting, Apr 29, 2026, at 10:00 Central European Standard Time. Announcement • Mar 24
Alior Bank S.A. announces Annual dividend, payable on May 27, 2026 Alior Bank S.A. announced Annual dividend of PLN 8.9300 per share payable on May 27, 2026, ex-date on May 12, 2026 and record date on May 13, 2026. Announcement • May 21
Alior Bank S.A., Annual General Meeting, Jun 16, 2025 Alior Bank S.A., Annual General Meeting, Jun 16, 2025. Reported Earnings • Oct 24
Third quarter 2024 earnings released: EPS: zł5.10 (vs zł4.38 in 3Q 2023) Third quarter 2024 results: EPS: zł5.10 (up from zł4.38 in 3Q 2023). Revenue: zł1.42b (up 13% from 3Q 2023). Net income: zł665.9m (up 17% from 3Q 2023). Profit margin: 47% (up from 45% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 3.0% p.a. on average during the next 3 years, compared to a 2.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 62% per year but the company’s share price has only increased by 17% per year, which means it is significantly lagging earnings growth. Valuation Update With 7 Day Price Move • Aug 19
Investor sentiment improves as stock rises 20% After last week's 20% share price gain to €24.14, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 191% over the past three years. Reported Earnings • Aug 04
Second quarter 2024 earnings released: EPS: zł4.49 (vs zł3.88 in 2Q 2023) Second quarter 2024 results: EPS: zł4.49 (up from zł3.88 in 2Q 2023). Revenue: zł1.40b (up 13% from 2Q 2023). Net income: zł585.9m (up 16% from 2Q 2023). Profit margin: 42% (in line with 2Q 2023). Revenue is forecast to grow 1.7% p.a. on average during the next 3 years, compared to a 2.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 64% per year but the company’s share price has only increased by 36% per year, which means it is significantly lagging earnings growth. Announcement • May 01
Alior Bank S.A., Annual General Meeting, May 24, 2024 Alior Bank S.A., Annual General Meeting, May 24, 2024, at 12:00 Central European Standard Time. Announcement • Apr 28
Alior Bank S.A. Declares First Dividend for 2023, Payable on May 24, 2024 Alior Bank S.A. at its ordinary general meeting has decided to allocate the amount of PLN 577.05 million (EUR 133.5 million) or PLN 4.42 (EUR 1.02) per share, from the profit generated in 2023 to dividends. This will be the first dividend in the bank's history. The dividend entitlement date is May 10, and the dividend will be paid on May 24, 2024. Reported Earnings • Apr 25
First quarter 2024 earnings released: EPS: zł4.43 (vs zł2.80 in 1Q 2023) First quarter 2024 results: EPS: zł4.43 (up from zł2.80 in 1Q 2023). Revenue: zł1.39b (up 28% from 1Q 2023). Net income: zł578.1m (up 58% from 1Q 2023). Profit margin: 42% (up from 34% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 2.9% p.a. on average during the next 3 years, compared to a 3.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 74% per year but the company’s share price has only increased by 59% per year, which means it is significantly lagging earnings growth. Announcement • Mar 08
Alior Bank S.A., Annual General Meeting, Apr 26, 2024 Alior Bank S.A., Annual General Meeting, Apr 26, 2024, at 12:00 Central European Standard Time. Location: office of Alior Bank S.A., ul. Lopuszanska 38C, 02-232 Warsaw Poland Agenda: To consider the Financial statements of Alior Bank SA for the year ended on 31 December 2023, the Consolidated financial statements of the Alior Bank SA Group for the year ended on 31 December 2023; presentation and review of the Report on the activities of the Supervisory Board of Alior Bank SA in the financial year ended on 31 December 2023; presentation to the Annual General Meeting of the list of amendments made to the Regulations of the Supervisory Board of Alior Bank SA; and to consider such other matters. Reported Earnings • Feb 29
Full year 2023 earnings released: EPS: zł15.55 (vs zł5.23 in FY 2022) Full year 2023 results: EPS: zł15.55 (up from zł5.23 in FY 2022). Revenue: zł5.01b (up 45% from FY 2022). Net income: zł2.03b (up 197% from FY 2022). Profit margin: 41% (up from 20% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 4.0% p.a. on average during the next 3 years, compared to a 2.8% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 81% per year but the company’s share price has only increased by 60% per year, which means it is significantly lagging earnings growth. Reported Earnings • Oct 27
Third quarter 2023 earnings released Third quarter 2023 results: Revenue: zł1.30b (up 157% from 3Q 2022). Net income: zł571.6m (up zł634.1m from 3Q 2022). Profit margin: 44% (up from net loss in 3Q 2022). The move to profitability was driven by higher revenue. Revenue is forecast to grow 1.1% p.a. on average during the next 3 years, compared to a 3.5% growth forecast for the Banks industry in Europe. New Risk • Oct 23
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 5.1% per year for the foreseeable future. Minor Risk Share price has been volatile over the past 3 months (6.2% average weekly change). Valuation Update With 7 Day Price Move • Oct 10
Investor sentiment improves as stock rises 17% After last week's 17% share price gain to €12.45, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 169% over the past year. Reported Earnings • Aug 02
Second quarter 2023 earnings released: EPS: zł3.88 (vs zł1.66 in 2Q 2022) Second quarter 2023 results: EPS: zł3.88 (up from zł1.66 in 2Q 2022). Revenue: zł1.24b (up 28% from 2Q 2022). Net income: zł506.1m (up 134% from 2Q 2022). Profit margin: 41% (up from 22% in 2Q 2022). The increase in margin was primarily driven by higher revenue. Revenue is forecast to grow 4.0% p.a. on average during the next 3 years, compared to a 3.9% growth forecast for the Banks industry in Europe. Reported Earnings • Apr 27
First quarter 2023 earnings released: EPS: zł2.80 (vs zł1.30 in 1Q 2022) First quarter 2023 results: EPS: zł2.80 (up from zł1.30 in 1Q 2022). Revenue: zł1.08b (up 23% from 1Q 2022). Net income: zł365.8m (up 116% from 1Q 2022). Profit margin: 34% (up from 19% in 1Q 2022). Revenue is forecast to grow 1.1% p.a. on average during the next 3 years, compared to a 5.1% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 79% per year but the company’s share price has only increased by 40% per year, which means it is significantly lagging earnings growth. Valuation Update With 7 Day Price Move • Apr 17
Investor sentiment improves as stock rises 17% After last week's 17% share price gain to €9.50, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 187% over the past three years. Reported Earnings • Mar 06
Full year 2022 earnings released: EPS: zł5.23 (vs zł3.69 in FY 2021) Full year 2022 results: EPS: zł5.23 (up from zł3.69 in FY 2021). Revenue: zł3.43b (up 28% from FY 2021). Net income: zł683.1m (up 42% from FY 2021). Profit margin: 20% (up from 18% in FY 2021). The increase in margin was driven by higher revenue. Revenue is forecast to grow 14% p.a. on average during the next 3 years, compared to a 6.5% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 66% per year but the company’s share price has only increased by 25% per year, which means it is significantly lagging earnings growth. Valuation Update With 7 Day Price Move • Jan 05
Investor sentiment improved over the past week After last week's 16% share price gain to €7.98, the stock trades at a forward P/E ratio of 6x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 26% over the past three years. Reported Earnings • Nov 05
Third quarter 2022 earnings released: zł0.48 loss per share (vs zł1.15 profit in 3Q 2021) Third quarter 2022 results: zł0.48 loss per share (down from zł1.15 profit in 3Q 2021). Revenue: zł503.7m (down 24% from 3Q 2021). Net loss: zł62.6m (down 142% from profit in 3Q 2021). Revenue is forecast to grow 4.0% p.a. on average during the next 3 years, compared to a 5.1% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 45% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings. Announcement • Nov 05
Alior Bank Announces Executive Changes Alior Bank decided to appoint Szymon Kaminski as a new deputy CEO to replace Marek Majsak, who filed a resignation, Alior said in a market filing. Reported Earnings • Aug 04
Second quarter 2022 earnings released: EPS: zł1.66 (vs zł0.95 in 2Q 2021) Second quarter 2022 results: EPS: zł1.66 (up from zł0.95 in 2Q 2021). Revenue: zł969.9m (up 55% from 2Q 2021). Net income: zł216.2m (up 75% from 2Q 2021). Profit margin: 22% (up from 20% in 2Q 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is forecast to grow 39%, compared to a 15% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has fallen by 22% per year, which means it is significantly lagging earnings. Valuation Update With 7 Day Price Move • Jul 07
Investor sentiment deteriorated over the past week After last week's 16% share price decline to €4.94, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 8x in the Banks industry in Europe. Total loss to shareholders of 59% over the past three years. Valuation Update With 7 Day Price Move • Jun 15
Investor sentiment deteriorated over the past week After last week's 19% share price decline to €5.71, the stock trades at a forward P/E ratio of 4x. Average forward P/E is 9x in the Banks industry in Europe. Total loss to shareholders of 50% over the past three years. Valuation Update With 7 Day Price Move • May 20
Investor sentiment improved over the past week After last week's 17% share price gain to €6.89, the stock trades at a forward P/E ratio of 5x. Average forward P/E is 9x in the Banks industry in Europe. Total loss to shareholders of 41% over the past three years. Reported Earnings • Apr 28
First quarter 2022 earnings released: EPS: zł12.96 (vs zł0.83 in 1Q 2021) First quarter 2022 results: EPS: zł12.96 (up from zł0.83 in 1Q 2021). Revenue: zł8.14b (up zł7.49b from 1Q 2021). Net income: zł1.69b (up zł1.58b from 1Q 2021). Profit margin: 21% (up from 17% in 1Q 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is expected to shrink by 54% compared to a 8.7% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has fallen by 13% per year, which means it is significantly lagging earnings. Valuation Update With 7 Day Price Move • Mar 15
Investor sentiment improved over the past week After last week's 16% share price gain to €8.45, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 10x in the Banks industry in Europe. Total loss to shareholders of 41% over the past three years. Reported Earnings • Mar 06
Full year 2021 earnings: EPS in line with expectations, revenues disappoint Full year 2021 results: EPS: zł3.69 (up from zł2.38 loss in FY 2020). Revenue: zł2.63b (up 35% from FY 2020). Net income: zł481.9m (up zł793.1m from FY 2020). Profit margin: 18% (up from net loss in FY 2020). The move to profitability was primarily driven by higher revenue. Revenue missed analyst estimates by 2.8%. Over the next year, revenue is forecast to grow 62%, compared to a 8.9% growth forecast for the banks industry in Germany. Over the last 3 years on average, earnings per share has fallen by 32% per year but the company’s share price has only fallen by 17% per year, which means it has not declined as severely as earnings. Valuation Update With 7 Day Price Move • Feb 25
Investor sentiment deteriorated over the past week After last week's 15% share price decline to €10.27, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 10x in the Banks industry in Europe. Total loss to shareholders of 23% over the past three years. Reported Earnings • Oct 28
Third quarter 2021 earnings released: EPS zł1.15 (vs zł0.69 in 3Q 2020) The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: zł666.5m (up 11% from 3Q 2020). Net income: zł150.4m (up 66% from 3Q 2020). Profit margin: 23% (up from 15% in 3Q 2020). Over the last 3 years on average, earnings per share has fallen by 54% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings. Executive Departure • Aug 12
Independent Member of the Supervisory Board Wojciech Myslecki has left the company On the 9th of August, Wojciech Myslecki's tenure as Independent Member of the Supervisory Board ended after 3.1 years in the role. We don't have any record of a personal shareholding under Wojciech's name. A total of 2 executives have left over the last 12 months. The current median tenure of the management team is 1.42 years, which is considered inexperienced in the Simply Wall St Risk Model. Announcement • Aug 06
Alior Bank S.A. Announces Impairment Charges for the Second Quarter of 2021 Alior Bank S.A. announced impairment charges for the second quarter of 2021. For the quarter, the company reported impairments of PLN 266.4 million. Reported Earnings • Aug 05
Second quarter 2021 earnings released: EPS zł0.95 (vs zł4.46 loss in 2Q 2020) The company reported a soft second quarter result with weaker revenues and profit margins, although earnings were improved. Second quarter 2021 results: Revenue: zł627.7m (down 606% from 2Q 2020). Net income: zł123.8m (up zł706.3m from 2Q 2020). Profit margin: 20% (down from 470% in 2Q 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 53 percentage points per year, which is a significant difference in performance. Announcement • Apr 29
Alior Bank S.A. Announces Impairment for the First Quarter 2021 Alior Bank announced impairment charges for the first quarter of 2021. For the quarter, the company also reported impairment of negative PLN 244.0 million. Reported Earnings • Apr 24
Full year 2020 earnings released: zł2.38 loss per share (vs zł1.90 profit in FY 2019) The company reported a poor full year result with weaker earnings, revenues and control over costs. Full year 2020 results: Revenue: zł1.95b (down 25% from FY 2019). Net loss: zł311.2m (down 225% from profit in FY 2019). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 43 percentage points per year, which is a significant difference in performance. Announcement • Mar 05
Alior Bank Wins Regulator Nod to Appoint Iwona Duda New CEO - KNF Alior Bank secured financial market regulator KNF nod to appoint acting CEO Iwona Duda full-on CEO, KNF said in a statement. Alior Bank had picked Duda for the acting CEO position mid-May 2020 following the resignation of then CEO Krzysztof Bachta. Is New 90 Day High Low • Feb 18
New 90-day high: €4.16 The company is up 13% from its price of €3.70 on 20 November 2020. The German market is up 10.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 7.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €6.26 per share. Announcement • Dec 31
Alior Bank S.A. to Report Fiscal Year 2020 Results on Feb 26, 2021 Alior Bank S.A. announced that they will report fiscal year 2020 results on Feb 26, 2021 Reported Earnings • Nov 06
Third quarter 2020 earnings released: EPS zł0.69 The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2020 results: Revenue: zł603.3m (down 4.5% from 3Q 2019). Net income: zł90.7m (down 27% from 3Q 2019). Profit margin: 15% (down from 20% in 3Q 2019). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 61% per year but the company’s share price has only fallen by 44% per year, which means it has not declined as severely as earnings. 
