Alior Bank S.A. (WSE:ALR)

Total Valuation

Alior Bank has a market cap or net worth of PLN 15.35 billion.

Market Cap	15.35B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, August 6, 2025.

Earnings Date	Aug 6, 2025
Ex-Dividend Date	Jun 27, 2025

Share Statistics

Alior Bank has 130.55 million shares outstanding.

Current Share Class	130.55M
Shares Outstanding	130.55M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	51.42%
Float	88.90M

Valuation Ratios

The trailing PE ratio is 6.40 and the forward PE ratio is 6.77.

PE Ratio	6.40
Forward PE	6.77
PS Ratio	2.69
PB Ratio	1.34
P/TBV Ratio	1.37
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-4.71
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 22.46%.

Return on Equity (ROE)	22.46%
Return on Assets (ROA)	2.53%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	825,878
Profits Per Employee	347,166
Employee Count	7,076
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, Alior Bank has paid 710.22 million in taxes.

Income Tax	710.22M
Effective Tax Rate	22.85%

Stock Price Statistics

The stock price has increased by +27.76% in the last 52 weeks. The beta is 1.29, so Alior Bank's price volatility has been higher than the market average.

Beta (5Y)	1.29
52-Week Price Change	+27.76%
50-Day Moving Average	100.57
200-Day Moving Average	98.40
Relative Strength Index (RSI)	72.30
Average Volume (20 Days)	391,587

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Alior Bank had revenue of PLN 5.70 billion and earned 2.40 billion in profits. Earnings per share was 18.36.

Revenue	5.70B
Gross Profit	5.70B
Operating Income	3.11B
Pretax Income	3.11B
Net Income	2.40B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	18.36

Balance Sheet

The company has 4.36 billion in cash and 4.91 billion in debt, giving a net cash position of -543.29 million or -4.16 per share.

Cash & Cash Equivalents	4.36B
Total Debt	4.91B
Net Cash	-543.29M
Net Cash Per Share	-4.16
Equity (Book Value)	11.49B
Book Value Per Share	88.01
Working Capital	-75.03B

Cash Flow

In the last 12 months, operating cash flow was -968.97 million and capital expenditures -71.85 million, giving a free cash flow of -1.04 billion.

Operating Cash Flow	-968.97M
Capital Expenditures	-71.85M
Free Cash Flow	-1.04B
FCF Per Share	-7.97

Margins

Gross Margin	n/a
Operating Margin	54.51%
Pretax Margin	54.49%
Profit Margin	42.04%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 9.19, which amounts to a dividend yield of 7.82%.

Dividend Per Share	9.19
Dividend Yield	7.82%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	7.99%
Earnings Yield	15.62%
FCF Yield	-6.78%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2