OTC · Banks - Diversified

Alior Bank S.A. (ALORY) Stock

$14.74 +0.00% OTC: ALORY Financial Services

Alior Bank S.A. offers a comprehensive suite of banking and financial services to individuals, businesses, and large enterprises across Poland.

Valuation

MetricValue
Price$14.74
Market Cap$7.70B
P/E Ratio7.77
P/B Ratio1.36
P/S Ratio2.33
EPS (TTM)$1.90
52-Week High$17.11
52-Week Low$12.07
Dividend Yield8.28%

Financials & Margins

MetricValue
ROE18.44%
ROA2.19%
ROCE2.83%
Gross Margin77.94%
Operating Margin38.73%
Net Margin30.00%
Debt/Equity0.20
Current Ratio0.06

Annual Financials (USD)

Metric20212022202320242025
Revenue$3.8B$4.5B$5.0B$6.2B$8.0B
Operating Profit$779.0M$1.0B$3.0B$3.7B$2.8B
Net Profit$482.0M$683.0M$2.0B$2.4B$2.3B
EPS$1.85$2.62$7.78$9.37$8.65
Op Margin20.5%23.0%60.5%59.8%35.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$83.0B$82.9B$90.1B$93.3B$101.6B
Total Liabilities$77.1B$76.7B$80.9B$82.1B$88.7B
Cash$3.8B$2.7B$2.7B$2.5B$3.4B
Borrowings$2.3B$2.3B$3.7B$2.0B$2.6B

Latest News

Alior Bank SA (FRA:A6O) Q1 2026 Earnings Call Highlights: Navigating Profit Decline Amid Strong ... GuruFocus.com · Apr 28, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$2.1B$-504.0M$-4.4B$-556.0M$2.9B
Investing Cash Flow$-353.0M$-461.0M$3.4B$399.0M$-1.7B
Financing Cash Flow$-58.0M$-82.0M$-204.0M$-254.0M$-40.0M
Net Cash Flow$1.3B$-1.2B$-45.0M$-416.0M$1.9B
Free Cash Flow$1.9B$-654.0M$-4.5B$-745.0M$2.8B

Valuation & Return Ratios

MetricValue
PEG Ratio-3.67
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y33.16%
Return 3Y1089.27%
Return 5Y

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ALBKFAlpha Services and Holdings S.A. $3.60 +0.00% 14.84 $8.32B 4.17%
BGKKFBangkok Bank Public Company Limited $4.99 +0.00% 8.49 $9.53B 9.82%
BKAYYBank of Ayudhya Public Company Limited $22.17 -14.75% 9.02 $163.04B 3.83%
BMEXFBanco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México $0.62 +0.00% $7.12B 0.00%
BRPHFGalaxy Digital Holdings Ltd. $21.74 +0.00% 35.06 $7.52B 0.00%

About Alior Bank S.A.

Alior Bank S.A. offers a comprehensive suite of banking and financial services to individuals, businesses, and large enterprises across Poland. The institution's operations are divided into three core segments: Retail Banking, Business Banking, and Treasury Activities. Its extensive product range includes various personal, savings, and subsidiary accounts; a selection of term and savings deposit products; and diverse lending options such as consumer, mortgage, working capital, and investment loans. Alior Bank also provides credit cards, brokerage and investment fund access, derivative instruments, foreign exchange transactions, current account overdrafts, and standard cash management services like deposits, withdrawals, and transfers. Beyond these, the bank is involved in debt collection, asset management, the oversight of collective security portfolios and financial instruments, insurance agency and brokerage, risk assessment, fixed asset and lease financing, and IT consulting. Established in 2008, Alior Bank S.A. is headquartered in Warsaw, Poland.

Alior Bank S.A. is headquartered in PL.

Alior Bank S.A. (ALORY) stock trades at $14.74 with a market capitalization of $7.70B. The stock is valued at a price-to-earnings (P/E) ratio of 7.77, price-to-book of 1.36, price-to-sales of 2.33. Over the past 52 weeks the stock has ranged between $12.07 and $17.11, and currently trades 13.9% below its 52-week high. It pays a dividend yielding 8.28%.

On profitability, Alior Bank S.A. generates a return on equity (ROE) of 18.44%, above the typical market average, return on capital employed of 2.83%, an operating margin of 38.73%, a net profit margin of 30.00%.

Official website: www.aliorbank.pl

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