ALR (ALR) Fair Value & Analysis
Financial Services · Market cap 16.3B PLN
Fair value as of: Jun 26, 2026
From 23 valuation models · updated 6 days ago
Share price +4.9% over the past month.
Price vs Fair Value (12 months)
12‑month range 86.16 PLN – 139.85 PLN · fair‑value band 176.78 PLN – 294.63 PLN · the 133.85 PLN price screens below the 235.70 PLN fair value. As of Jun 26, 2026.
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ALR (ALR) currently trades at 133.85 PLN, while our model-based Fair Value estimate is 235.70 PLN — implying the stock looks roughly 76.1% undervalued today. We read business quality at 71/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, ALR generated revenue of 5.7B PLN at a net margin of 40.0%. Revenue grew 3.6% year over year. It earns a return on equity of 18.9%. The balance sheet holds a net cash position of 2.5B PLN. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
ALR 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.
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Similar stocks
6 more Banks - Diversified stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| JPMorgan Chase & Co JPM | C$42.65 | C$18.12 | -58% |
| Industrial and Commercial Bank of China Limited IDCBY | $17.83 | $35.66 | +100% |
| Bank of America Corporation BOFA | C$28.67 | C$15.23 | -47% |
| China Construction Bank Corporation 601939 | ¥9.94 | ¥16.38 | +65% |
| Agricultural Bank of China Limited 601288 | ¥6.40 | ¥12.80 | +100% |
| HSBC Holdings HSBC | $95.21 | $90.33 | -5% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.