Alior Bank (ALR.WA) Stock Price
Alior Bank Price
Revenue has compounded at 23.5% per year over the past 16 years to 6.49 B PLN. Earnings per share have grown at 15.2% per year over the last 14 years. Alior Bank's net margin stands at 36.5%, up from 12.0% several years earlier. Alior Bank currently offers a dividend yield of about 6.93%. The payout ratio is around 51% of earnings. Analysts set a median price target of 127.50 PLN, implying 3.9% below the current price. Of 12 analysts, 11 rate the stock a buy — an overall Buy consensus. The stock trades about 33% above its 52-week low.
Alior Bank stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Alior Bank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Alior Bank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Alior Bank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Alior Bank Price |
|---|---|
| 8/31/2026 | 132.70 PLN |
| 8/28/2026 | 132.95 PLN |
| 8/27/2026 | 132.45 PLN |
| 8/26/2026 | 134.60 PLN |
| 8/25/2026 | 130.05 PLN |
| 8/24/2026 | 129.35 PLN |
| 8/21/2026 | 130.05 PLN |
| 8/20/2026 | 130.00 PLN |
| 8/19/2026 | 130.30 PLN |
| 8/18/2026 | 131.55 PLN |
| 8/17/2026 | 131.85 PLN |
| 8/14/2026 | 131.95 PLN |
| 8/13/2026 | 131.00 PLN |
| 8/12/2026 | 133.25 PLN |
| 8/11/2026 | 133.65 PLN |
| 8/10/2026 | 134.90 PLN |
| 8/7/2026 | 134.75 PLN |
| 8/6/2026 | 135.35 PLN |
| 8/5/2026 | 135.85 PLN |
| 8/4/2026 | 140.50 PLN |
| 7/31/2026 | 137.60 PLN |
| 7/30/2026 | 137.70 PLN |
| 7/29/2026 | 135.75 PLN |
| 7/28/2026 | 135.40 PLN |
| 7/27/2026 | 134.95 PLN |
| 7/24/2026 | 133.40 PLN |
| 7/23/2026 | 136.15 PLN |
| 7/22/2026 | 136.50 PLN |
| 7/21/2026 | 138.20 PLN |
| 7/20/2026 | 137.95 PLN |
Alior Bank Revenue, Pre-Provision Profit, Net Income
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Alior Bank Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB PLN |
|---|
| REVENUE GROWTH% |
| Net Interest IncomeB PLN |
| Non-Interest IncomeB PLN |
| Loan Loss ProvisionsB PLN |
| Pre-Provision Profit (PPOP)B PLN |
| NET INCOMEB PLN |
| NET INCOME GROWTH% |
| DIVIDENDDIV.PLN |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e | 2029e | 2030e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3.24 | 4.07 | 4.70 | 5.16 | 5.22 | 4.48 | 4.24 | 7.19 | 9.42 | 8.73 | 8.27 | 6.00 | 6.30 | 6.55 | 6.65 | 6.84 |
| 13.48 | 25.51 | 15.56 | 9.74 | 1.12 | -14.18 | -5.23 | 69.44 | 30.98 | -7.29 | -5.27 | -27.47 | 4.97 | 3.94 | 1.63 | 2.78 |
| 1.50 | 1.95 | 2.86 | 3.08 | 3.18 | 2.85 | 2.80 | 3.56 | 4.77 | 5.18 | 5.13 | – | – | – | – | – |
| 0.84 | 1.43 | 1.10 | 1.20 | 1.16 | 1.15 | 1.21 | 1.80 | 2.02 | 1.50 | 1.35 | – | – | – | – | – |
| 0.65 | 0.77 | 0.90 | 1.12 | 1.44 | 1.63 | 1.04 | 0.97 | 0.67 | 0.44 | 0.32 | – | – | – | – | – |
| 1.04 | 1.42 | 1.59 | 2.11 | 1.93 | 1.42 | 1.82 | 2.01 | 3.37 | 3.63 | 3.25 | – | – | – | – | – |
| 0.31 | 0.58 | 0.47 | 0.71 | 0.25 | -0.31 | 0.48 | 0.68 | 2.03 | 2.45 | 2.37 | 1.79 | 2.05 | 2.28 | 2.26 | 2.30 |
| -4.04 | 86.08 | -18.09 | 51.38 | -65.22 | -225.40 | -254.66 | 42.00 | 197.22 | 20.44 | -3.19 | -24.46 | 14.82 | 11.15 | -0.83 | 1.41 |
| – | – | – | – | – | – | – | – | – | 4.42 | 9.19 | 11.03 | 13.23 | 15.88 | – | – |
| – | – | – | – | – | – | – | – | – | – | 107.92 | 20.02 | 19.95 | 20.03 | – | – |
| 92.00 | 104.80 | 131.80 | 131.20 | 130.60 | 130.60 | 130.60 | 130.55 | 130.55 | 130.55 | 130.55 | 130.55 | 130.55 | 130.55 | 130.55 | 130.55 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Alior Bank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Alior Bank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Alior Bank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Alior Bank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Alior Bank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Alior Bank stock margins
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Alior Bank Revenue per Share, Earnings per Share
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Alior Bank business model & stock analysis
Alior Bank SWOT Analysis
Strengths
Alior Bank SA has consistently shown strong financial performance, with steady revenue growth and solid profitability. This is a key strength that provides a solid foundation for the bank.
The bank offers a wide range of financial products and services, including retail banking, corporate banking, and investment banking. This diversification helps in catering to different customer segments and mitigating risks.
Alior Bank SA has invested in advanced digital banking technologies, providing customers with convenient and user-friendly online and mobile banking platforms. This positions the bank as a leader in the digital banking space.
Weaknesses
Alior Bank SA currently has a limited market presence compared to some larger competitors. This can pose challenges in terms of brand recognition and attracting new customers in a highly competitive banking industry.
The bank's asset base is comparatively smaller than some of its major competitors. This may limit its ability to undertake large-scale investments or pursue certain strategic initiatives.
Opportunities
Alior Bank SA can explore opportunities to expand its operations and enter new markets, both domestically and internationally. This can help diversify its revenue streams and increase its market share.
The increasing adoption of fintech solutions presents an opportunity for Alior Bank SA to collaborate with or acquire innovative startups to enhance its digital banking offerings and gain a competitive edge.
Threats
The banking industry is highly competitive, with numerous banks competing for market share. Alior Bank SA faces the threat of losing customers to competitors who offer more attractive products or better customer experiences.
Changes in banking regulations and compliance requirements can pose challenges for Alior Bank SA. Adapting to new regulations and ensuring compliance can increase operational costs and disrupt existing processes.
Alior Bank Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Alior Bank historical P/E ratio, EBIT multiple, and P/S ratio
Alior Bank annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Alior Bank shares outstanding
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Alior Bank Dividend History
2 years of dividend payments
Alior Bank dividend history and estimates
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Alior Bank dividend payout ratio
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Current Alior Bank forecasts and price targets in September 2026
Analyst Price Targets 2026Alior Bank Earnings Calls
Alior Bank Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 2/28/2023 | 1.76PLN | - | -PLN | - | 2022 Q4 |
| 11/3/2022 | 2.88PLN | - | 1.28 BPLN | - | 2022 Q3 |
| 8/3/2022 | 1.91PLN | - | 1.22 BPLN | - | 2022 Q2 |
| 8/3/2021 | -PLN | - | 902.33 MPLN | - | 2021 Q2 |
| 5/6/2020 | -PLN | - | 927.71 MPLN | - | 2020 Q1 |
| 2/28/2020 | -PLN | - | 943.19 MPLN | - | 2019 Q4 |
| 11/5/2019 | -PLN | - | 1.08 BPLN | - | 2019 Q3 |
| 5/7/2019 | -PLN | - | 1.01 BPLN | - | 2019 Q1 |
| 2/28/2019 | 1.40PLN | - | 1.03 BPLN | - | 2018 Q4 |
| 11/8/2018 | 1.68PLN | - | 1.02 BPLN | - | 2018 Q3 |
EESG©
Eulerpool ESG Scorecard© for the Alior Bank stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
Alior Bank shareholder structure
| % | Name |
|---|---|
31.90929% | |
9.64810% | |
8.82887% | |
5.06591% | |
2.15679% | |
1.47278% |
Alior Bank Beneficial Ownership Filings (SEC 13D/G)
Alior Bank Executives and Management Board
15 members · avg. age 61 · 13 % women
Management
Mr. Marcin Ciszewski
Vice President of the Management Board
Mr. Wojciech Przybyl
Vice President of the Management Board
Ms. Beata Stawiarska
Vice President of the Management Board
Mr. Piotr Zabski
Vice President of the Management Board
Board of Directors
Mr. Artur Kucharski (57)
Member of the Supervisory Board
Mr. Robert Pusz
Member of the Supervisory Board
Mr. Radoslaw Grabowski
Member of the Supervisory Board
Mr. Maciej Gutowski
Member of the Supervisory Board
Mr. Rafal Janczura
Member of the Supervisory Board
Mr. Wojciech Kostrzewa (65)
Member of the Supervisory Board
Frequently asked questions about Alior Bank
Alior Bank SA is primarily active in the financial services industry, offering a wide range of banking products and services. As one of the leading banks in Poland, Alior Bank SA caters to individual customers, businesses, and corporate clients, providing various financial solutions including banking accounts, loans, mortgages, investments, insurance, and more. With a strong focus on innovation and customer satisfaction, Alior Bank SA constantly adapts to market trends, contributing to the growth and stability of the financial sector.
The main competitors of Alior Bank SA in the market include other leading banks in Poland such as PKO Bank Polski, Bank Pekao SA, and mBank SA. These prominent financial institutions compete with Alior Bank SA to attract customers and provide similar banking services and products. Alior Bank SA's strong position in the market leads to intense competition among these key players, driving innovation and enhancing customer experiences in the banking sector.
The business model of Alior Bank SA revolves around being a universal bank that provides a comprehensive range of financial products and services to individual and business customers. Alior Bank SA operates both traditional branch banking as well as digital banking solutions, allowing customers to access their accounts and conduct transactions through various channels. The bank offers services such as retail and private banking, corporate and investment banking, as well as leasing and factoring. Through its diversified business activities, Alior Bank SA aims to deliver innovative banking solutions and meet the diverse financial needs of its customers in Poland and internationally.
Alior Bank SA is a renowned Polish financial institution that has a rich history and background. Established in 2008, the bank has rapidly grown to become one of the largest banks in Poland. As a universal bank, Alior Bank SA offers a wide range of financial products and services to both individual and business customers. With a strong focus on providing innovative and convenient banking solutions, Alior Bank SA has gained a solid reputation for its customer-centric approach. The bank continuously strives to adapt to the evolving needs of its clients and has been successful in maintaining a strong presence in the Polish banking sector.
Over the years, Alior Bank SA has achieved significant milestones that have reinforced its position in the financial market. The company successfully completed its IPO in 2012 and became listed on the Warsaw Stock Exchange, marking a significant step in its growth and expansion. Alior Bank SA has also demonstrated impressive financial performance, consistently delivering robust earnings and demonstrating resilience in a challenging economic environment. Moreover, the bank's commitment to innovation is evident through the introduction of various digital banking solutions and the establishment of strategic partnerships. These milestones collectively highlight Alior Bank SA's success and its continuous efforts to provide excellent banking services to its customers.
Alior Bank SA is primarily present in Poland.
Alior Bank SA represents values of innovation, transparency, and customer-centricity. With a strong focus on technological advancements, Alior Bank SA aims to provide innovative banking solutions and services to its customers. The bank is committed to maintaining transparent relationships with its clients and stakeholders, fostering trust and reliability. Alior Bank SA prioritizes customer satisfaction and strives to meet their evolving needs and expectations by offering personalized and user-friendly products. Through its corporate philosophy, the bank aims to build long-term relationships based on mutual respect, professionalism, and ethical practices. Alior Bank SA consistently works towards enhancing customer experience and financial well-being.
Analysts currently set an average price target of 129.48 PLN for the Alior Bank stock (median: 127.50 PLN), implying -2.3 % versus the latest price. The consensus is based on 12 analyst ratings.
12 analysts currently rate the Alior Bank stock: 11 recommend buying, 1 holding and 0 selling. For 2026, analysts expect Alior Bank to generate revenue of 6.00 B PLN and earnings per share of 13.70 PLN.
Converted at the current exchange rate, the Alior Bank share trades at 30.63 EUR (132.70 PLN).
The Alior Bank share (ALR.WA) is listed on 5 stock exchanges, including: Frankfurt (A6O.F), München (A6O.MU), London (0QBM.L).
Alior Bank SA is a Polish financial company that offers a wide range of financial services. With over 130 branches and 1.8 million customers, the company is one of the main players in the Polish financial market. Its business model consists of several divisions that offer different products and services. These include credit services, deposit services, securities services, insurance services, and asset management. The bank also provides online banking services through a mobile app. The company aims to serve customers in all areas of the financial market and strives to create a seamless and user-friendly experience through innovative technologies and digital solutions.
The expected revenue of Alior Bank is 6.00 B PLN. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Alior Bank is 1.79 B PLN. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Alior Bank is currently 9.68. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Alior Bank stock.
The price-to-sales ratio (P/S) of Alior Bank is currently 2.89. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Alior Bank stock.
The Eulerpool Quality Score for Alior Bank is 3/10.
The ISIN of Alior Bank is PLALIOR00045. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Alior Bank is A1J9PZ. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Alior Bank is ALR.WA. The ticker symbol is used to trade Alior Bank shares on the stock exchange.
Over the past 12 months, Alior Bank paid a dividend of 9.19 PLN . This corresponds to a dividend yield of about 6.93 %. For the coming 12 months, Alior Bank is expected to pay a dividend of 13.23 PLN.
The current dividend yield of Alior Bank is 6.93 %.
Alior Bank paid dividends every year for the past 2 years.
For the upcoming 12 months, dividends amounting to 13.23 PLN are expected. This corresponds to a dividend yield of 9.97 %.
Alior Bank is assigned to the 'Finance' sector.
To receive the latest dividend of Alior Bank from amounting to 9.19 PLN, you needed to have the stock in your portfolio before the ex-date on .
The last dividend was paid out on .
In the year 2025, Alior Bank distributed 4.42 PLN as dividends.
The dividends of Alior Bank are distributed in PLN.
Alior Bank stock
Alior Bank Peer Group
Alior Bank Ticker
Alior Bank FIGI
All fundamentals and in-depth analysis of Alior Bank
Our stock analysis for Alior Bank stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Alior Bank. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.