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Alior Bank

WSE:ALR · PLALIOR00045
BanksSmall

360

80
Profit price77
Cash yield85
Price/Sales67
EV / Gross Profit72
Price/Book51
Returns on capital93
Profit margins—
Cash Conversion52
Accruals17
Owner Earnings Margin67
Sales growth18
Profit Growth20
Owner Earnings Growth23
Reinvestment20
Price momentum68
Debt load66
Debt serviceability32
Liquidity67
Analyst ratings79
Opinion Changes50
Price Target Upside52
Market mood76
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Alior Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryPoland
IndustryBanks
SizeSmall
TypePublic Company
ExchangeWSE
Founded2008
Employees3,856
Websitealiorbank.pl
ISINPLALIOR00045
Last UpdateApr 2, 2026
Indices
Sound Pay Practices (Europe)WIG 20 (Poland)
Themes
Banking

Description

Alior Bank S.A. a financial institution that offers a range of banking services and products. Business Segments The company operates through Corporate, Treasury Activity, Business Customer, and Consumer Finance segments. Corporate The Corporate…

Analysis

Quality compounder

Alior Bank S.A. is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 7.4× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is tepid and the balance sheet is stretched. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
55
2023202420252026

All-time high

90

Nov 2024

All-time low

13

Jan 2023

Average rank

62

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
67
57
45
59
Price/Earnings
43
75
33
40
Price/Book
51
30
22
28
Dividend Yield
85
96
79
1
Value (overall)
66
81
61
26

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →