1. Poland Stocks

  2. •

    Finance

  3. •

    Regional banks
Alior Bank SA

Alior Bank SA

19.21
USD
+0.71
(+3.84%)
Oct 27Next Earn
Alior Bank SA
OTC:ALORY
(OTC Markets)

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
PLN
8.17
10.25
9.94
11.02
12.26
13.33
14.54
15.76
15.78
14.45
14.5
17.27
22.35
23.8
23.7
- -
Revenue per Share
1.24
0.49
1.46
1.88
1.75
2.81
1.82
2.74
0.95
-1.19
1.84
2.61
7.77
9.36
9.06
- -
Basic EPS, GAAP
-0.24
-3.85
-0.63
-2.23
3.56
-13.2
-3.04
2.1
-1.74
4.7
0.05
-2.5
-17.44
-0.64
16.35
8.37
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
2.21
4.59
- -
Dividend per Share
6.09
12.64
14.01
17.55
19.7
23.81
25.86
24.83
25.79
25.11
22.66
23.62
35.4
42.9
49.7
47.9
Book Value per Share
5.3
11.62
12.81
16.3
17.53
21.81
23.74
22.64
23.57
23.48
21.02
22.12
33.83
41.09
47.59
45.7
Tangible Book Value per Share
123
125
156
172
177
205
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
- -
Sales/Revenue/Turnover
- -
- -
18.55
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
56
73
75
75
86
105
177
175
248
288
233
242
259
270
255
- -
Depreciation Expense
152
61
228
323
310
575
471
713
248
-311
482
683
2,030
2,445
2,367
- -
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
- -
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
- -
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
2,287
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
- -
- -
6.19
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
3.03
6.72
7.22
5.21
6.77
4.19
5.97
2.1
- -
5.25
8.19
18.99
18.41
16.18
- -
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
- -
Return on Common Equity (%)

Capital Structure

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
261
261
261
Market Capitalization
14,043
- -
- -

Working Capital

PLN

•

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

PLN

•

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

PLN

•

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

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.21
2.24
2.55
2.36
9.36
2025
1.82
2.45
- -
2.63
9.06
2026
1.54
1.4
- -
- -
- -

Quarterly Dividends Per Share

PLN

•

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. (ALR.WA) operates as a universal bank in Poland, providing a comprehensive range of retail, corporate, and investment banking products and services to individual customers, small and medium-sized enterprises, and large corporations. The bank offers term and savings deposits, current and subsidiary accounts, cash deposits and withdrawals, transfers, personal and savings accounts; cash loans, working capital loans, investment loans, mortgage loans, credit cards, and current account overdraft facilities; brokerage products, investment funds, retirement pension products; bills, trade finance, treasury products, internet banking, operating and financial leasing services; insurance services; and currency trading platforms, with additional offerings including energy efficiency financing loans for companies and housing associations. Alior Bank S.A., founded in 2008 and headquartered at ul. Lopuszanska 38D in Warsaw, Poland, primarily serves the domestic Polish market through an extensive network of branches and digital channels, serving over 4 million individual customers and 180 thousand companies; it maintains a strategic alliance with T-Mobile since 2013 for mobile banking services and operates as a subsidiary of PZU SA since 2015. In recent developments, the bank expanded its loan portfolio in the SME segment by 8% year-over-year to PLN 5.6 billion as of third-quarter 2025, with gross mortgage loans to retail customers surpassing PLN 1 billion in a quarter, reflecting a 32% sequential rise adjusted for government support; mobile app users grew by 16%, underscoring digital transformation efforts alongside strategic partnerships with tech companies to enhance fee-based digital services; additionally, Alior Leasing securitized a PLN 500 million receivables portfolio, and the Management Board intends to recommend allocating approximately 50% of 2024 net profit to dividends.