Alior Bank S.A.

Alior Bank S.A.

ALORY
Alior Bank S.A.US flagOther OTC
14.74
USD
- -
- -
7.70BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
9.95
11.03
12.27
13.33
14.55
15.77
15.79
14.45
14.51
17.28
22.36
23.81
23.71
24.02
Basic EPS, GAAP
1.46
1.88
1.75
2.81
1.82
2.74
0.95
-1.19
1.85
2.62
7.78
9.36
9.07
9.18
Free Cash Flow per Basic Share
-0.63
-2.23
3.57
-13.2
-3.04
2.1
-1.74
4.71
0.05
-2.51
-17.45
-0.64
16.36
18.23
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
2.21
4.59
- -
Book Value per Share
3.78
6.02
5.84
9.1
6.46
3.37
4.21
3
4.83
7.43
12.83
14.57
14.39
9.59
Tangible Book Value per Share
12.81
16.33
17.69
27.6
23.76
22.74
23.58
23.49
21.04
22.13
33.85
41.11
47.61
42.14
Basic Weighted Avg Shares
156
171
177
204
259
260
261
261
261
261
261
261
261
261
Sales/Revenue/Turnover
1,551
1,891
2,168
2,726
3,761
4,100
4,124
3,774
3,788
4,512
5,840
6,217
6,191
6,272
Operating Margin (%)
18.55
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
75
75
86
105
177
175
248
288
233
242
259
270
255
272
Net Income, GAAP
228
323
310
575
471
713
248
-311
482
683
2,030
2,445
2,367
2,398
Effective Tax Rate (%)
20.78
19.71
19.96
11.31
31.57
27.82
49.3
- -
38.15
34.06
25.01
23.54
19.39
22.85
Profit Margin (%)
14.7
17.07
14.28
21.1
12.53
17.4
6.02
-8.25
12.72
15.14
34.77
39.33
38.23
38.23
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1,557
2,206
3,188
4,134
5,506
5,227
5,247
3,580
2,298
2,286
3,680
2,432
2,645
2,048
Total Equity
2,185
3,015
3,514
6,160
6,691
6,486
6,737
6,560
5,919
6,170
9,250
11,207
12,983
11,490
Return on Invested Capital (%)
6.62
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
41.06
39.79
29.98
39.76
26.68
56.02
25.13
-33.06
47.18
42.69
76.76
68.36
62.6
95.39

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
131
131
131
Market Capitalization
12,868
12,535
11,373

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,545
5,664
5,872
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.35%
16.28%
15.85%
Free Cash Flow
-883.79%
-1,503.06%
-2,643.45%
Net Income, GAAP
-17.01%
0.27%
-3.19%
Sales/Revenue/Turnover
11.98%
10.99%
-0.42%
Total Cash Common Dividend
- -
- -
107.92%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,525
1,497
1,594
1,602
6,217
2025
1,502
1,575
1,536
- -
6,191
2026
1,537
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.21
2.24
2.55
- -
9.36
2025
1.82
2.45
- -
- -
9.07
2026
1.54
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
2.21
2025
- -
- -
- -
- -
4.59
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Piotr Krzysztof Zabski
Full Time Employees
6,932
Sector
Financial Services
Industry
Banks - Diversified
Address
ul. Lopuszanska 38D Warsaw Poland 02-232
IPO Date
Apr 18, 2016
Business
Alior Bank S.A. is a Poland-based commercial banking and financial services company founded in 2008 and headquartered in Warsaw. It offers a comprehensive range of products and services including retail banking with consumer credit, mortgages, leasing, and private banking; investment banking; cash management; mobile and online banking solutions; insurance products; and asset management. The bank has developed proprietary technologies for mobile and contactless payments supporting BLIK, Apple Pay, Google Pay, Garmin Pay, Fitbit Pay, and SwatchPay. It also provides life insurance for mortgage borrowers and creditors and multi-currency Mastercard Debit Commercial cards. Alior Bank operates extensively across Poland serving individual, business, and corporate clients. In recent developments, Alior Bank has launched an upgraded electronic banking platform, including iKonto Biznes, enhancing business customer services with digital solutions. It has implemented new financing solutions in consumer finance such as consumer rental, deferred payments, micro leasing, and buy now pay later (BNPL) products. Strategic focus remains on digital transformation with new online acquisition processes and synchronization of remote services. Additionally, Alior Bank is involved in a major pending transaction where Bank Pekao SA is poised to acquire Alior Bank from insurer PZU, potentially leading to a merger that would create Poland’s second-largest lender by assets, loans, and deposits. This deal is expected to be finalized around mid-2025, with the banks exploring synergies in product offerings and distribution networks. Alior Bank’s business segments comprise retail banking, investment banking, and treasury activity, with managed deposits and loans totaling significant volumes as of the end of 2024. The bank emphasizes innovative and technology-driven banking services to strengthen its market position and customer experience. It has about 7,000 employees and continues to expand its product range for both individual and business customers with a strong digital focus. The company remains a prominent player in the Polish banking sector, targeting customers across Poland mainly through its digital channels and branch network. This description integrates Alior Bank’s core product offerings along with its latest strategic moves towards digital innovation and potential merger activity as of late 2024 and 2025.

Company News

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