Alior Bank S.A./zł ALR
1D1W1MYTD1Y5YMAX
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
- 6,603
- Headquarters
- Warsaw, Poland
- Website
- www.aliorbank.pl
Alior Bank S.A. Metrics
BasicAdvanced
zł 17B
8.48
zł 15.48
0.86
zł 8.93
6.80%
Price and volume
Market cap
zł 17B
Beta
0.86
52-week high
zł 143.70
52-week low
zł 99.04
Average daily volume
205K
Dividend rate
zł 8.93
Financial strength
Dividend payout ratio (TTM)
57.71%
Profitability
Net profit margin (TTM)
36.98%
Operating margin (TTM)
49.77%
Effective tax rate (TTM)
25.31%
Revenue per employee (TTM)
zł 830,000
Management effectiveness
Return on assets (TTM)
1.96%
Return on equity (TTM)
16.83%
Valuation
Price to earnings (TTM)
8.485
Price to revenue (TTM)
3.138
Price to book
1.37
Price to tangible book (TTM)
1.4
Price to free cash flow (TTM)
-3.061
Free cash flow yield (TTM)
-32.67%
Free cash flow per share (TTM)
-42.893
Dividend yield (TTM)
6.80%
Forward dividend yield
6.80%
Growth
Revenue change (TTM)
-4.26%
Earnings per share change (TTM)
-15.73%
3-year revenue growth (CAGR)
12.35%
3-year earnings per share growth (CAGR)
19.99%
10-year earnings per share growth (CAGR)
14.94%
Bulls say / Bears say
The bank is still expanding its balance sheet: Q1 assets rose 8% year on year and mortgage sales jumped 84% to more than PLN 1.8 billion. Relational retail customers also increased by 103,000, supporting future cross-selling. (Alior Bank)
Digital adoption and fee income are broadening the revenue base. Mobile-initiated sales rose 21% year on year to 43% of total sales, while net fee and commission income increased 8% in H1 2026. (Quartr)
Alior combines a sizeable shareholder return with a strong capital and liquidity buffer. It paid a PLN 8.93 per share dividend, while its H1 capital ratio was 17.57% and its non-performing loan ratio improved to 5.16%. (Reuters, Bankier.pl)
H1 2026 net profit fell 31% year on year and ROE dropped to 11.5%. Lower net interest income and a weaker margin show that falling rates are already reducing earnings power. (Quartr)
An April CJEU ruling forced Alior to revise its consumer-loan cash-flow model, cutting Q2 net profit by PLN 96.5 million after tax. The bank says this estimate will be reviewed periodically, leaving scope for further adjustments. (Money.pl)
Alior says 2027 net profit could fall short of its PLN 2.6 billion strategic target. Fiercer lending competition, a higher effective tax rate and increased credit losses make the planned revenue and cost-efficiency targets harder to achieve. (Puls Biznesu)
Data summarised monthly by Lightyear AI. Last updated on 19 Sept 2026.
Upcoming events
No upcoming events
Funds containing Alior Bank S.A.
Fund name | Fund size | zł ALR weighting |
|---|---|---|
SPDR MSCI All Country World IM€SPYI | €7.5B | 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.