Alior Bank S.A (ALR) Fair Value & Analysis
Financial Services · PL · Market cap 16.3B PLN
Fair value as of: Jun 26, 2026
From 23 valuation models · updated 20 days ago
Share price −2.1% over the past month.
Price vs Fair Value (12 months)
12‑month range 89.57 PLN – 142.90 PLN · fair‑value band 176.78 PLN – 294.63 PLN · the 135.45 PLN price screens below the 235.70 PLN fair value. As of Jun 26, 2026.
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Alior Bank S.A (ALR) currently trades at 135.45 PLN, while our model-based Fair Value estimate is 235.70 PLN, implying the stock looks roughly 74.0% undervalued today. We read business quality at 69/100 (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, Alior Bank S.A 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
Our scenario range runs from 176.78 PLN (bear case) to 294.63 PLN (bull case); at 135.45 PLN, the current price sits below that range. The share trades near its 52-week high and 69% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 47% fair-value upside, at 74%, ALR screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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. 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 …
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
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Similar stocks
10 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 | 5,441 MXN | 2,718 MXN | -50% |
| Industrial and Commercial Bank of China Limited IDCBY | $17.83 | $35.66 | +100% |
| Bank of America Corporation BAC | $53.89 | $32.06 | -41% |
| China Construction Bank Corporation 601939 | ¥9.94 | ¥16.38 | +65% |
| HSBC Holdings 0005 | HK$141.80 | HK$208.73 | +47% |
| Agricultural Bank of China Limited 601288 | ¥6.36 | ¥12.72 | +100% |
| Royal Bank of Canada RY | C$288.41 | C$190.48 | -34% |
| Bank of China Limited 601988 | ¥5.94 | ¥11.88 | +100% |
| Wells Fargo & Company WFCO34 | R$108.03 | R$17.54 | -84% |
| Citigroup Inc C | 2,345 MXN | 2,177 MXN | -7% |
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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.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.