1. Poland Stocks

  2. •

    Financial Services

  3. •

    Banks - Diversified
Alior Bank S.A.

Alior Bank S.A.

ALORY
Alior Bank S.A.US flagOther OTC
19.21
USD
- -
- -
10.03BMarket Cap
Alior Bank S.A.
ALORY
(Other OTC)

Recent

price

19.21

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
8.18
10.26
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
17.3
Revenue per Share
1.24
0.49
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
5.58
Basic EPS, GAAP
-0.24
-3.85
-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
8.37
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
2.21
4.59
- -
Dividend per Share
12.19
25.29
- -
35.13
39.41
47.65
51.75
49.68
51.61
50.24
45.34
47.26
70.85
85.84
99.45
95.85
Book Value per Share
10.61
23.26
- -
32.61
35.07
43.65
47.51
45.3
47.16
46.99
42.07
44.26
67.69
82.23
95.22
91.45
Tangible Book Value per Share
123
125
156
171
177
204
259
260
261
261
261
261
261
261
261
261
Basic Weighted Avg Shares
1,003
1,286
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
4,517
Sales/Revenue/Turnover
- -
- -
18.55
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
56
73
75
75
86
105
177
175
248
288
233
242
259
270
255
191
Depreciation Expense
152
61
228
323
310
575
471
713
248
-311
482
683
2,030
2,445
2,367
1,458
Net Income, GAAP
8.23
32.33
20.78
19.71
19.96
11.31
31.57
27.82
49.3
- -
38.15
34.06
25.01
23.54
19.39
26.32
Effective Tax Rate (%)
15.18
4.75
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
32.27
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
44
1,068
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
3,005
LT Debt
950
1,971
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
12,514
Total Equity
- -
- -
6.62
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
4.19
10.97
12.42
9.49
11.9
7.33
10.83
3.76
-4.68
7.72
11.3
26.33
23.9
19.57
12.14
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
131
131
131
Market Capitalization
6,917
7,146
7,239

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4,494
1,923
4,265
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
1,443
- -
- -
- -

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
1.4
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

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

Company News APIChatGPT

  • defenseworld.net

    Alior Bank S.A. (OTCMKTS:ALORY) Shares Shorted: Short Interest Up 2,180.0% in September

  • seekingalpha.com

    Alior Bank S.A. (ALORY) Q2 2026 Earnings Call Transcript

  • prnewswire.com

    Alior Bank Targets 60% Reduction in Virtualization Costs and Streamlined Operations with Hitachi Vantara and Red Hat OpenShift

  • seekingalpha.com

    Alior Bank S.A. (ALORY) Shareholder/Analyst Call Prepared Remarks Transcript

  • seekingalpha.com

    Alior Bank S.A. (ALORY) Q1 2026 Earnings Call Transcript

  • seekingalpha.com

    Alior Bank S.A. (ALORY) Q4 2025 Earnings Call Transcript

  • seekingalpha.com

    Alior Bank S.A. (ALORY) Q3 2025 Earnings Call Transcript