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Alior Bank S.A. (ALR.WA)
Warsaw, PL
Alior Bank S.A. is a Polish financial institution that delivers a comprehensive suite of banking products and services to a diverse clientele, encompassing private individuals, corporate clients, and large enterprises throughout Poland. The bank's operations are strategically divided into three key segments: Retail, Business, and Treasury Activities. Its core offerings include a variety of accounts, such as personal, savings, and subsidiary accounts, alongside flexible term and savings deposit products. Alior Bank provides a range of lending options, including consumer cash loans, home mortgages, working capital facilities, and investment financing. Furthermore, it supplies credit cards, brokerage services, investment funds, and derivative instruments. Clients can also utilize currency exchange transactions, current account overdrafts, and standard cash management services like deposits, withdrawals, and transfers. Beyond traditional banking, the institution is involved in debt recovery and asset management. It also oversees collective security portfolios and manages various financial instruments. The bank functions as an insurance agent and broker, undertakes risk assessment activities, provides financing for fixed assets, and offers lease loans. Additionally, it delivers IT consulting and associated services. Established in 2008, Alior Bank S.A. maintains its headquarters in Warsaw, Poland.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.08% | +0.96% | +1.74% | +5.31% | +21.70% | +10.34% | +21.12% | +196.79% | +273.15% | +135.90% | +153.42% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 6 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+34.2% Q1'26: +34.9% (vs Q1'25)
-
EPS growth-3.2% Q1'26: -15.3% (vs Q1'25)
-
FCF margin— Q1'26: +19.8% (vs Q1'25)
-
EBIT margin— Q1'26: +31.6% (vs Q1'25)
-
ROIC— Q1'26: +11.1% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 0.98× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 4 Rev. Ana. 3 EPS Ana. |
Dec 2027 8 Rev. Ana. 7 EPS Ana. |
Dec 2028 8 Rev. Ana. 6 EPS Ana. |
Dec 2029 7 Rev. Ana. 4 EPS Ana. |
Dec 2030 7 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.17B
est: 2.12B (+2.4%)
|
2.70B
est: 2.54B (+6.6%)
|
3.76B
est: 3.71B (+1.5%)
|
4.10B
est: 3.96B (+3.7%)
|
4.12B
est: 3.96B (+4.2%)
|
3.77B
est: 3.53B (+6.8%)
|
3.79B
est: 3.69B (+2.5%)
|
4.51B
est: 4.65B (-3.0%)
|
5.84B
est: 5.50B (+6.1%)
|
6.22B
est: 6.12B (+1.7%)
|
8.34B
est: 6.02B (+38.6%)
|
5.95B
5.91B – 5.99B
-1.2% YoY
|
6.19B
5.90B – 6.43B
+4.1% YoY
|
6.35B
6.29B – 6.40B
+2.5% YoY
|
6.46B
6.29B – 6.61B
+1.8% YoY
|
6.48B
6.30B – 6.63B
+0.3% YoY
|
| EBITDA |
—
est: 233.13M (-100.0%)
|
877.98M
est: 279.33M (+214.3%)
|
866.16M
est: 408.09M (+112.2%)
|
1.16B
est: 435.46M (+167.0%)
|
737.26M
est: 435.76M (+69.2%)
|
—
est: 389.07M (-100.0%)
|
1.01B
est: 406.75M (+148.9%)
|
1.28B
est: 511.96M (+149.6%)
|
—
est: 1.02B (-100.0%)
|
—
est: 1.13B (-100.0%)
|
3.11B
est: 1.11B (+180.1%)
|
1.10B
1.09B – 1.11B
-1.2% YoY
|
1.14B
1.09B – 1.19B
+4.1% YoY
|
1.17B
1.16B – 1.18B
+2.5% YoY
|
1.19B
1.16B – 1.22B
+1.8% YoY
|
1.20B
1.16B – 1.22B
+0.3% YoY
|
| EBIT |
-86.36M
est: 114.90M (-175.2%)
|
772.50M
est: 137.67M (+461.1%)
|
689.12M
est: 201.12M (+242.6%)
|
988.29M
est: 214.61M (+360.5%)
|
489.67M
est: 214.76M (+128.0%)
|
-287.66M
est: 191.75M (-250.0%)
|
779.21M
est: 200.46M (+288.7%)
|
1.04B
est: 252.31M (+310.6%)
|
-258.78M
est: 769.95M (-133.6%)
|
-270.45M
est: 855.40M (-131.6%)
|
2.94B
est: 841.88M (+248.8%)
|
831.91M
826.74M – 837.36M
-1.2% YoY
|
865.72M
825.29M – 899.52M
+4.1% YoY
|
887.74M
880.10M – 895.39M
+2.5% YoY
|
903.51M
879.24M – 924.40M
+1.8% YoY
|
906.03M
881.69M – 926.97M
+0.3% YoY
|
| Net Income |
309.65M
est: 488.82M (-36.7%)
|
575.23M
est: 454.32M (+26.6%)
|
471.19M
est: 525.89M (-10.4%)
|
713.37M
est: 724.66M (-1.6%)
|
248.28M
est: 417.58M (-40.5%)
|
-311.23M
est: -373.15M (+16.6%)
|
481.93M
est: 546.49M (-11.8%)
|
683.11M
est: 961.76M (-29.0%)
|
2.03B
est: 2.32B (-12.6%)
|
2.45B
est: 2.40B (+2.0%)
|
2.37B
est: 2.29B (+3.2%)
|
1.78B
1.75B – 1.80B
-22.2% YoY
|
1.98B
1.83B – 2.16B
+10.8% YoY
|
2.12B
1.89B – 2.64B
+7.2% YoY
|
2.04B
1.97B – 2.10B
-3.8% YoY
|
2.03B
1.96B – 2.09B
-0.6% YoY
|
| SGA |
199.57M
est: 185.22M (+7.7%)
|
289.65M
est: 221.93M (+30.5%)
|
418.14M
est: 324.23M (+29.0%)
|
355.93M
est: 345.97M (+2.9%)
|
354.85M
est: 346.21M (+2.5%)
|
299.28M
est: 309.12M (-3.2%)
|
299.78M
est: 323.16M (-7.2%)
|
623.87M
est: 406.75M (+53.4%)
|
399.89M
est: 573.33M (-30.3%)
|
448.61M
est: 636.96M (-29.6%)
|
1.36B
est: 626.89M (+116.6%)
|
619.47M
615.62M – 623.53M
-1.2% YoY
|
644.65M
614.54M – 669.82M
+4.1% YoY
|
661.05M
655.35M – 666.74M
+2.5% YoY
|
672.79M
654.71M – 688.34M
+1.8% YoY
|
674.66M
656.53M – 690.26M
+0.3% YoY
|
| EPS |
3.50
est: 3.74 (-6.5%)
|
5.63
est: 3.48 (+61.8%)
|
3.65
est: 4.03 (-9.4%)
|
5.49
est: 5.55 (-1.1%)
|
1.90
est: 3.20 (-40.6%)
|
-2.38
est: -2.86 (+16.7%)
|
3.69
est: 4.19 (-11.8%)
|
5.23
est: 7.37 (-29.0%)
|
15.55
est: 17.79 (-12.6%)
|
18.73
est: 18.58 (+0.8%)
|
18.13
est: 17.75 (+2.1%)
|
13.62
13.43 – 13.76
-23.3% YoY
|
15.39
14.04 – 16.58
+13.0% YoY
|
16.20
14.44 – 20.25
+5.3% YoY
|
15.62
15.07 – 16.09
-3.6% YoY
|
15.52
14.98 – 15.99
-0.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 1/5 | 5/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-28 | B+ | 3/5 | 1/5 | 5/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-27 | B+ | 3/5 | 1/5 | 5/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-26 | B+ | 3/5 | 1/5 | 5/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-25 | B+ | 3/5 | 1/5 | 5/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-22 | B+ | 3/5 | 1/5 | 5/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-21 | B+ | 3/5 | 1/5 | 5/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-20 | B+ | 3/5 | 1/5 | 5/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-19 | A- | 4/5 | 1/5 | 5/5 | 4/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-18 | A- | 4/5 | 1/5 | 5/5 | 4/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-15 | A- | 4/5 | 1/5 | 5/5 | 4/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-14 | A- | 4/5 | 1/5 | 5/5 | 4/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-13 | A- | 4/5 | 1/5 | 5/5 | 4/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-12 | A- | 4/5 | 1/5 | 5/5 | 4/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-11 | A- | 4/5 | 1/5 | 5/5 | 4/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-08 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-07 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-06 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-05 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-04 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-30 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-29 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-28 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-27 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-24 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-23 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-22 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 1/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Poland ETF EPOL | 2.02% | 13.47M | 0.59% |
| 2 | Cambria Emerging Shareholder Yield ETF EYLD | 1.12% | 9.50M | 0.65% |
| 3 | Cambria Global Value ETF GVAL | 0.84% | 4.50M | 0.66% |
| 4 | Fidelity Emerging Markets Limited FEMI.L | 0.74% | 1.58M | 0.50% |
| 5 | Fidelity Emerging Markets Quality Income UCITS ETF INC-USD FEME.L | 0.74% | 1.58M | 0.50% |
| 6 | WisdomTree Emerging Markets SmallCap Dividend Fund DGS | 0.66% | 11.73M | 0.58% |
| 7 | State Street SPDR MSCI Emerging Markets Small Cap UCITS ETF EMSD.L | 0.20% | 1.20M | 0.55% |
| 8 | iShares MSCI EM Small Cap UCITS ETF IEMS.L | 0.19% | 670.8K | 0.74% |
| 9 | iShares MSCI Emerging Markets Small-Cap ETF EEMS | 0.19% | 706.7K | 0.72% |
| 10 | Avantis Emerging Markets Value ETF AVES | 0.15% | 2.23M | 0.36% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Beata Stawiarska | Vice-President of the Management Board | 2M | female |
| Marcin Ciszewski | Vice-President of the Management Board | 2M | male |
| Wojciech Przybyl | Vice-President of the Management Board | 2M | male |
| Zdzislaw Wojtera | Vice-President of the Management Board | 2M | male |
| Jacek Iljin | Vice-President of the Management Board | 2M | male |
| Piotr Krzysztof Zabski | Chairman of Management Board & CEO | 2M | male |
| Dominik Prokop | Head of IR Department | — | male |
| Urszula Nowik-Krawczyk | Director of the Accounting Department & Chief Accountant | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for ALR.WA
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
