Full history for every metric is available with a Kvantra account
Key financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | PLN m | 3,290 | 3,550 | 2,681 | 3,216 | 4,167 | 6,562 | 6,451 | - |
| Operating profit | PLN m | 2,936 | 2,705 | ||||||
| Net profit | PLN m | -311 | 482 | 683 | 2,030 | 2,445 | 2,367 | 2,020 | 1,797 |
| EPS reported | PLN | 18.13 | 15.48 | ||||||
| Operating cashflow per share | PLN | 23.26 | 24.64 | ||||||
| Capex per share | PLN | 1.06 | 0.85 | ||||||
| FCF per share | PLN | 22.20 | 23.79 | ||||||
| Free cash flow | PLN m | 2,899 | 3,106 | ||||||
| Net debt | PLN m | -2,414 | 138 | ||||||
| Book value equity | PLN m | 12,983 | 12,514 | ||||||
| Book value per share | PLN | 99.45 | 95.85 | ||||||
| Number of shares | m | 130.55 | 130.55 | ||||||
| DPS (TTM paid) | PLN | 8.93 | 8.93 |
Financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 6.09 | 8.44 | ||||||
| P/B LTM | x | 1.11 | 1.36 | ||||||
| P/S LTM | x | 2.20 | 2.64 | ||||||
| P/FCF LTM | x | 4.97 | 5.49 | ||||||
| EV/EBITDA LTM | x | 4.38 | 6.11 | ||||||
| EV/Sales LTM | x | 1.64 | 2.66 | ||||||
| Earnings Yield LTM | % | 16.42% | 11.85% | ||||||
| FCF Yield | % | 20.10% | 18.21% | ||||||
| Quality | |||||||||
| ROE | % | 18.23% | 15.91% | ||||||
| ROIC | % | 12.96% | 1.89% | ||||||
| Operating margin | % | 35.19% | 33.63% | ||||||
| Gross margin | % | 70.29% | 70.83% | ||||||
| FCF/Sales | % | 34.74% | 38.61% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -3.20% | -15.69% | ||||||
| Sales Growth YoY | % | +57.46% | +52.09% | ||||||
| Net Income Growth YoY | % | -3.19% | -15.73% | ||||||
| FCF Growth | % | - | +266.54% | ||||||
| Operating Profit Growth | % | -21.01% | -24.37% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 8.32% | 6.84% | ||||||
| Dividend Growth | % | -2.83% | -2.83% | ||||||
| Payout Ratio | % | 50.69% | 117.05% | ||||||
| FCF/Debt | x | 1.10 | 0.71 | ||||||
| Net Debt/EBITDA | x | -0.25 | 0.27 | ||||||
| EBIT/Net interest | x | 1.65 | 1.70 | ||||||
| Net debt/market cap | % | -16.74% | 0.81% | ||||||
| Net debt/Equity | x | -0.19 | 0.01 | ||||||
| Gross debt/equity | x | 0.20 | 0.35 | ||||||
ETFs that hold Alior Bank
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| WisdomTree Emerging Markets SmallCap Dividend Fund | DGS | 9 | 0.74% |
Funds with Alior Bank among their ten largest holdings, largest fund first.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Alior Bank S.A. (ALR.WA)
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| WisdomTree Emerging Markets SmallCap Dividend Fund | DGS | 9 | 0.74% |
Funds with Alior Bank among their ten largest holdings, largest fund first.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
Unlock all fundamental data
Sign up for FreeUnlock all fundamental data
Sign up for Free