Alior Bank S.A. (ALR) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Alior Bank S.A. stock PLN 144, price PLN 138, upside +4.8%, quality 55 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Alior Bank S.A.
ALR · WARThe stock costs about what our calculation considers fair.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
60‑month range 18.67 PLN – 143.70 PLN · fair‑value band 107.86 PLN – 208.09 PLN · the 137.80 PLN price screens below the 144.43 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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Company profile
Alior Bank S.A. provides various banking products and services for individuals, businesses, and enterprises in Poland. The company operates through three segments: Retail, Corporate, and Treasury Activities.
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It offers retail products, including cash loans, credit cards, current account overdraft facilities, and mortgage loans; term and savings deposits; brokerage products and investment funds; personal accounts; cash deposits, withdrawals, and transfers; and currency exchange transactions.
The company also provides corporate products, such as overdraft limits in current accounts, working capital loans, investment loans, and credit cards; current and subsidiary accounts; term deposits; cash deposits and withdrawals and transfers; FX exchange transactions; derivative instruments; and leasing and factoring.
In addition, it offers bills, trade finance, internet banking, and operating and financial leasing services, as well as issues commercial bonds. In addition, it offers retirement pension products and investments fund services, as well as operates currency trading platforms.
Further, it provides stock broking, financial advisory, intermediation, and other financial services. The company was incorporated in 2008 and is headquartered in Warsaw, Poland.
Stock analysis
Alior Bank S.A. (ALR) currently trades at 137.80 PLN, while our model-based Fair Value estimate is 144.43 PLN, so the stock looks roughly fairly valued today (gap 4.6%).
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Valuation
Bull case: the Multiples group reads highest at a median of 169.46 PLN per share, and 2 of the 6 models we run sit above the 137.80 PLN price.
Bear case: the Asset-Based group reads lowest at 63.80 PLN, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 107.86 PLN (bear) to 208.09 PLN (bull), the price of 137.80 PLN sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Alior Bank S.A. reported revenue of 6.2B PLN in FY2025 versus 3.8B PLN in FY2021, a compound +13.1%/yr. Reported net income was 2.4B PLN in FY2025, compounding +48.9%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 18.0B PLN (≈ $4.6B) Mid · P/E ratio 9.3 · P/S ratio 3.27 · EPS (TTM) 14.79 PLN · Net margin 35.1% · Return on equity 15.6% · Return on assets (EBIT) 2.8% (5-year average) · Operating margin 51.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 74 out of 100 (medium confidence).
What moves the price
The share trades about 4% below its 52-week high and 49% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at 5%, ALR screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
Watch ALR, get fair value alerts →
Compare Alior Bank S.A. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Diversified · 46 stocks
Valuation Multiplesvs Banks - Diversified median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Revenue growth by industry
- PEG ratio by industry
- Piotroski F-Score screener with fair value
- Valuation of the Poland market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Agricultural Bank of China Limited 601288 | ¥7.28 | ¥9.14 | +26% | vs ALR |
| Industrial and Commercial Bank of China Limited 601398 | ¥8.44 | ¥10.52 | +25% | vs ALR |
| Bank of China Limited 601988 | ¥6.85 | ¥7.73 | +13% | vs ALR |
| China Construction Bank Corporation 601939 | ¥11.91 | ¥13.33 | +12% | vs ALR |
| Bank of America Corporation BAC | $49.42 | $42.16 | −15% | vs ALR |
| Citigroup Inc C | $119.05 | $96.55 | −19% | vs ALR |
| Wells Fargo & Company WFC | $83.94 | $66.59 | −21% | vs ALR |
| Mitsubishi UFJ Financial Group MUFG | $20.97 | $14.68 | −30% | vs ALR |
| Royal Bank of Canada RY | $201.16 | $132.82 | −34% | vs ALR |
| JPMorgan Chase & Co JPM | $334.49 | $187.04 | −44% | vs ALR |
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Frequently asked questions
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Key figures of Alior Bank S.A.
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