Alior Bank S.A.

LSE:0QBM Stock Report

Market Cap: zł12.7b

Alior Bank Valuation

Is 0QBM undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0QBM when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
zł251.23
Fair Value
61.4% undervalued intrinsic discount
8
Number of Analysts

Below Fair Value: 0QBM (PLN96.96) is trading below our estimate of fair value (PLN251.23)

Significantly Below Fair Value: 0QBM is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0QBM?

Key metric: As 0QBM is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0QBM. This is calculated by dividing 0QBM's market cap by their current earnings.
What is 0QBM's PE Ratio?
PE Ratio5.3x
Earningszł2.42b
Market Capzł12.69b

Price to Earnings Ratio vs Peers

How does 0QBM's PE Ratio compare to its peers?

The above table shows the PE ratio for 0QBM vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average4.5x
BGEO Lion Finance Group
3.4x-5.1%UK£2.2b
TBCG TBC Bank Group
6.1x16.5%UK£2.2b
HSBK Halyk Bank of Kazakhstan
3.5xn/aUS$5.5b
CBG Close Brothers Group
5.2x6.5%UK£460.4m
0QBM Alior Bank
5.3x-9.7%zł12.7b

Price-To-Earnings vs Peers: 0QBM is expensive based on its Price-To-Earnings Ratio (5.3x) compared to the peer average (4.5x).

Price to Earnings Ratio vs Industry

How does 0QBM's PE Ratio compare vs other companies in the European Banks Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
0QBM 5.3xIndustry Avg. 8.4xNo. of Companies44PE0612182430+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0QBM is good value based on its Price-To-Earnings Ratio (5.3x) compared to the European Banks industry average (8.4x).

Price to Earnings Ratio vs Fair Ratio

What is 0QBM's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0QBM PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.3x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 0QBM's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0QBM forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentzł96.96
zł111.65
+15.2%
9.2%zł125.00zł96.70n/a8
Feb ’26n/a
zł109.74
0%
8.7%zł125.00zł96.70n/a7
Jan ’26n/a
zł109.79
0%
8.7%zł125.00zł96.70n/a7
Dec ’25zł91.20
zł110.17
+20.8%
9.4%zł125.00zł96.70n/a7
Nov ’25n/a
zł108.36
0%
7.8%zł124.00zł96.70n/a8
Oct ’25n/a
zł108.74
0%
7.9%zł124.00zł96.70n/a8
Sep ’25zł102.71
zł106.89
+4.1%
11.2%zł124.00zł81.90n/a8
Aug ’25zł97.21
zł102.89
+5.8%
10.2%zł115.00zł81.90n/a8
Jul ’25zł103.29
zł97.30
-5.8%
20.2%zł115.00zł52.91n/a8
Jun ’25n/a
zł97.41
0%
20.1%zł115.00zł52.91n/a8
May ’25n/a
zł90.04
0%
27.7%zł115.00zł50.00n/a8
Apr ’25n/a
zł81.66
0%
25.3%zł111.10zł50.00n/a8
Mar ’25n/a
zł73.13
0%
20.4%zł94.00zł50.00n/a9
Feb ’25n/a
zł70.25
0%
18.6%zł87.00zł50.00n/a9
Jan ’25n/a
zł66.33
0%
20.6%zł87.00zł43.00n/a9
Dec ’24n/a
zł64.45
0%
25.0%zł87.00zł32.00zł91.209
Nov ’24n/a
zł60.69
0%
22.0%zł81.00zł32.00n/a8
Oct ’24n/a
zł54.90
0%
21.0%zł70.00zł30.80n/a8
Sep ’24n/a
zł55.20
0%
20.7%zł70.00zł30.80zł102.718
Aug ’24n/a
zł50.43
0%
22.6%zł64.00zł26.50zł97.218
Jul ’24n/a
zł48.40
0%
22.7%zł64.00zł26.50zł103.298
Jun ’24n/a
zł46.65
0%
20.1%zł63.00zł26.50n/a8
May ’24n/a
zł46.68
0%
17.4%zł63.00zł29.50n/a9
Apr ’24n/a
zł41.99
0%
13.2%zł50.00zł29.50n/a9
Mar ’24n/a
zł40.15
0%
12.8%zł48.20zł29.80n/a9
Feb ’24n/a
zł40.15
0%
12.8%zł48.20zł29.80n/a9
Analyst Price Target
Consensus Narrative from 8 Analysts
zł111.35
Fair Value
12.9% undervalued intrinsic discount
8
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/19 03:13
End of Day Share Price 2025/02/19 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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 19 analysts. 5 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
Kamil KliszczBiuro maklerskie mBanku