Alior Bank S.A. provides banking products and services to individuals, businesses, and enterprises in Poland.
Very undervalued with reasonable growth potential.
Share Price & News
How has Alior Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: A6O's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: A6O underperformed the German Banks industry which returned -33.2% over the past year.
Return vs Market: A6O underperformed the German Market which returned -17.7% over the past year.
Price Volatility Vs. Market
How volatile is Alior Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Alior Bank undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: A6O (€2.75) is trading below our estimate of fair value (€10.05)
Significantly Below Fair Value: A6O is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: A6O is good value based on its PE Ratio (6.7x) compared to the Banks industry average (15.1x).
PE vs Market: A6O is good value based on its PE Ratio (6.7x) compared to the German market (16.4x).
Price to Earnings Growth Ratio
PEG Ratio: A6O is good value based on its PEG Ratio (0.3x)
Price to Book Ratio
PB vs Industry: A6O is good value based on its PB Ratio (0.2x) compared to the DE Banks industry average (0.7x).
How is Alior Bank forecast to perform in the next 1 to 3 years based on estimates from 9 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: A6O's forecast earnings growth (23.8% per year) is above the savings rate (-0.4%).
Earnings vs Market: A6O's earnings (23.8% per year) are forecast to grow faster than the German market (14.3% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: A6O's revenue (13.6% per year) is forecast to grow faster than the German market (4.1% per year).
High Growth Revenue: A6O's revenue (13.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: A6O's Return on Equity is forecast to be low in 3 years time (8.2%).
How has Alior Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: A6O has a high level of non-cash earnings.
Growing Profit Margin: A6O's current net profit margins (9.8%) are lower than last year (24.5%).
Past Earnings Growth Analysis
Earnings Trend: A6O's earnings have grown by 11.2% per year over the past 5 years.
Accelerating Growth: A6O's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: A6O had negative earnings growth (-64.6%) over the past year, making it difficult to compare to the Banks industry average (0.7%).
Return on Equity
High ROE: A6O's Return on Equity (3.7%) is considered low.
How is Alior Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: A6O has a low level of unsold assets or inventory.
Debt Coverage by Assets: A6O's debt is covered by short term assets (assets are 2.4x debt).
Financial Institutions Analysis
Asset Level: A6O's level of assets compared to its equity is moderate.
Allowance for Bad Loans: A6O has a low allowance for bad loans.
Low Risk Liabilities: A6O's liabilities are made up of primarily low risk sources of funding.
Loan Level: A6O has an acceptable proportion of non-loan assets held.
Low Risk Deposits: A6O's loans are broadly funded by customer deposits.
Level of Bad Loans: A6O has a high level of bad loans (12.61%)
What is Alior Bank's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate A6O's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate A6O's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if A6O's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if A6O's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of A6O's dividend in 3 years as they are not forecast to pay a notable one for the German market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Krzysztof Bachta serves as President of the Management Board at Alior Bank SA since February 26, 2019. He served as an Acting Chief Executive Officer of Alior Bank SA since October 2018 until February ...
CEO Compensation Analysis
Compensation vs Market: Krzysztof's total compensation ($USD197.42K) is below average for companies of similar size in the German market ($USD1.03M).
Compensation vs Earnings: Insufficient data to compare Krzysztof's compensation with company performance.
|CEO & President of the Management Board||1.42yrs||zł814.12k||0.0038% PLN14.2k|
|Deputy President of the Management Board||2yrs||zł846.52k||no data|
|Deputy President of the Management Board||1.92yrs||zł807.07k||no data|
|Vice President of Management Board||1.17yrs||zł799.45k||no data|
|Vice President of Management Board||1.17yrs||zł790.34k||no data|
|Vice Chairman of Management Board & Deputy CEO||no data||no data||no data|
|Deputy CEO & Member of Management Board||1yr||no data||no data|
|Investor Relations Expert||no data||no data||no data|
Experienced Management: A6O's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.
|Member of the Supervisory Board||2.42yrs||zł178.00k||no data|
|Member of the Supervisory Board||2.42yrs||zł190.00k||no data|
|Member of the Supervisory Board||4.17yrs||no data||no data|
|Member of the Supervisory Board||4.17yrs||zł198.00k||no data|
|Chairman of the Supervisory Board||2.5yrs||no data||no data|
|Member of the Supervisory Board||1.75yrs||zł94.00k||no data|
|Deputy Chairman of Supervisory Board||0.92yr||zł89.00k||no data|
Experienced Board: A6O's board of directors are not considered experienced ( 2.4 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Alior Bank S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Alior Bank S.A.
- Ticker: A6O
- Exchange: DB
- Founded: 2008
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: zł1.685b
- Listing Market Cap: zł370.458m
- Shares outstanding: 130.55m
- Website: https://www.aliorbank.pl
Number of Employees
- Alior Bank S.A.
- ul. Lopuszanska 38D
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ALR||WSE (Warsaw Stock Exchange)||Yes||Registered Shares||PL||PLN||Dec 2012|
|0QBM||LSE (London Stock Exchange)||Yes||Registered Shares||GB||PLN||Dec 2012|
|A6O||DB (Deutsche Boerse AG)||Yes||Registered Shares||DE||EUR||Dec 2012|
|A6O||BRSE (Berne Stock Exchange)||Yes||Registered Shares||CH||CHF||Dec 2012|
Alior Bank S.A. provides banking products and services to individuals, businesses, and enterprises in Poland. The company offers personal accounts and savings products; credits and loans; mortgages; cards; investment and insurance products; bills, leasing, and remote services; financing trade platforms; treasury products; and services for agribusiness. It also provides private banking, finance management, and Internet banking services, as well as issues commercial bonds. The company was founded in 2008 and is headquartered in Warsaw, Poland.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/03/30 22:17|
|End of Day Share Price||2020/03/30 00:00|
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 here.