ALOR.Y Stock Overview

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

ALOR.Y fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	2/6

Rewards

Trading at 68.6% below our estimate of its fair value

Earnings grew by 34% over the past year

Risk Analysis

Shares are highly illiquid

Earnings are forecast to decline by an average of 6.3% per year for the next 3 years

My Notes

Capture your thoughts, links and company narrative

Alior Bank S.A. Competitors

Inter & Co

NasdaqGS:INTR

US$1.9b

Bank of N.T. Butterfield & Son

NYSE:NTB

US$1.6b

Comerica

NYSE:CMA

US$8.0b

Credicorp

NYSE:BAP

US$14.5b

Price History & Performance

Summary of share price highs, lows and changes for Alior Bank
Historical stock prices
Current Share Price	zł11.91
52 Week High	zł14.32
52 Week Low	zł11.91
Beta	1.54
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	90.59%
5 Year Change	n/a
Change since IPO	15.65%

Recent updates

Shareholder Returns

	ALOR.Y	US Banks	US Market
7D	0%	-3.5%	-2.7%
1Y	n/a	29.1%	23.4%

Return vs Industry: Insufficient data to determine how ALOR.Y performed against the US Banks industry.

Return vs Market: Insufficient data to determine how ALOR.Y performed against the US Market.

Price Volatility

Is ALOR.Y's price volatile compared to industry and market?
ALOR.Y volatility
ALOR.Y Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: ALOR.Y's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine ALOR.Y's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2008	7,247	n/a	www.aliorbank.pl

Alior Bank S.A. provides banking products and services for individuals, businesses, and enterprises in Poland. The company offers personal and savings accounts; personal banking; investment products; credits and loans; mortgage products; cards; and insurance services. It also provides bills and cards, trade finance, deposits, treasury products, deposits and investment services, internet banking, and operating and financial leasing services, as well as issues commercial bonds.

Alior Bank S.A. Fundamentals Summary

How do Alior Bank's earnings and revenue compare to its market cap?
ALOR.Y fundamental statistics
Market cap	US$2.77b
Earnings (TTM)	US$591.57m
Revenue (TTM)	US$1.39b

4.7x

P/E Ratio

1.1x

P/B Ratio

Is ALOR.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ALOR.Y income statement (TTM)
Revenue	zł5.67b
Cost of Revenue	zł0
Gross Profit	zł5.67b
Other Expenses	zł3.25b
Earnings	zł2.42b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Mar 04, 2025

Earnings per share (EPS)	18.51
Gross Margin	100.00%
Net Profit Margin	42.64%
Debt/Equity Ratio	32.2%

How did ALOR.Y perform over the long term?

See historical performance and comparison

Dividends

3.4%

Current Dividend Yield

n/a

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 07:52
End of Day Share Price	2024/10/10 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 here.

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 .

Analyst Sources

Alior Bank S.A. is covered by 19 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Dariusz Gorski	Banco Santander
Ivan Bokhmat	Barclays
Kamil Kliszcz	Biuro maklerskie mBanku