Alior Bank S.A./zł ALR
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Alior Bank S.A.
Alior Bank S.A. is a financial institution based in Poland, primarily engaged in providing a wide range of banking products and services. The bank operates across various segments including retail and corporate banking, offering services such as loans, deposits, and payment solutions. Founded in 2008, Alior Bank has swiftly expanded its presence within Poland and is headquartered in Warsaw. Its competitive strengths include its focus on digital banking innovations and customer-centric services. Alior Bank has differentiated itself by integrating advanced technologies to enhance customer experience and operational efficiency.
- Ticker
- zł ALR
- Sector
- Finance
- Primary listing
- WSE
- Employees
- 6,650
- Headquarters
- Warsaw, Poland
- Website
- www.aliorbank.pl
Alior Bank S.A. Metrics
BasicAdvanced
zł 18B
9.30
zł 14.79
0.84
zł 8.93
6.49%
Price and volume
Market cap
zł 18B
Beta
0.84
52-week high
zł 143.70
52-week low
zł 99.04
Average daily volume
304K
Dividend rate
zł 8.93
Financial strength
Dividend payout ratio (TTM)
60.38%
Profitability
Net profit margin (TTM)
35.11%
Operating margin (TTM)
49.66%
Effective tax rate (TTM)
28.94%
Revenue per employee (TTM)
zł 830,000
Management effectiveness
Return on assets (TTM)
1.87%
Return on equity (TTM)
15.57%
Valuation
Price to earnings (TTM)
9.301
Price to revenue (TTM)
3.265
Price to book
1.42
Price to tangible book (TTM)
1.46
Price to free cash flow (TTM)
-3.716
Free cash flow yield (TTM)
-26.91%
Free cash flow per share (TTM)
-37.015
Dividend yield (TTM)
6.49%
Forward dividend yield
6.49%
Growth
Revenue change (TTM)
-3.37%
Earnings per share change (TTM)
-15.85%
3-year revenue growth (CAGR)
6.08%
3-year earnings per share growth (CAGR)
2.29%
10-year earnings per share growth (CAGR)
16.57%
What the Analysts think about Alior Bank S.A.
Analyst ratings (Buy, Hold, Sell) for Alior Bank S.A. stock.
Analyst projections of the future price of Alior Bank S.A. stock.
Bulls say / Bears say
Fitch upgraded Alior’s long-term rating to investment grade at BBB−, citing a more balanced business mix, improving asset quality and adequate capital. It said stronger internal capital generation should also support future growth. (Alior Bank)
The bank is gaining business: second-quarter mortgage sales rose 48% year on year, deposits grew 9% and active mobile-app users increased 21%. These trends point to stronger customer engagement and expanding lending and funding volumes. (Alior Bank)
Fee income is becoming a stronger earnings stream: second-quarter net fee and commission income rose 8% year on year, helping offset pressure on interest income. That gives Alior a broader base of revenue than lending margins alone. (Alior Bank)
Earnings face pressure from lower interest income and higher taxes: second-quarter net profit fell 43% year on year, while net interest income dropped 13%. (Parkiet)
A CJEU ruling forced a PLN 153 million adjustment to interest income from consumer loans, cutting second-quarter net profit by an estimated PLN 96.5 million. The bank says the estimate will be reviewed periodically, leaving room for further earnings adjustments. (Bankier.pl)
Credit costs rose sharply: second-quarter expected credit losses were PLN 132 million, up from PLN 34 million a year earlier, following a default by a large business client. The cost of risk rose to 0.74%, while business-customer non-performing loans remained elevated. (Parkiet, StockAnalysis)
Data summarised monthly by Lightyear AI. Last updated on 17 Oct 2026.
Alior Bank S.A. Financial Performance
Revenues and expenses
Alior Bank S.A. Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing Alior Bank S.A.
Fund name | Fund size | zł ALR weighting |
|---|---|---|
SPDR MSCI Emerging Markets Small Cap£EMSM | $647M | 0.21% |
SPDR MSCI All Country World IM€SPYI | $7.7B | 0.00% |
Latest price is delayed by 15 minutes. Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.