(ALR) Alior Bank S.A. - Ratings and Ratios
Loans, Credits, Accounts, Cards, Investments, Insurance
ALR EPS (Earnings per Share)
ALR Revenue
Description: ALR Alior Bank S.A.
Alior Bank S.A. is a Polish banking institution that offers a comprehensive range of financial products and services to individuals, businesses, and enterprises. The banks diverse portfolio includes personal and savings accounts, investment products, credits and loans, mortgage products, cards, and insurance services, as well as treasury products, deposits, and financial leasing services.
From a financial perspective, Alior Bank S.A. has demonstrated a strong performance, with a Return on Equity (RoE) of 21.46%, indicating a high level of profitability. The banks Price-to-Earnings (P/E) ratio is 5.40, suggesting that the stock may be undervalued. Additionally, the forward P/E ratio is 6.78, implying a potential increase in earnings in the future.
To further analyze the banks performance, we can examine other key performance indicators (KPIs) such as the Net Interest Margin (NIM), which measures the banks ability to generate income from its interest-earning assets. A higher NIM indicates a more profitable banking business. Other relevant KPIs include the banks Capital Adequacy Ratio (CAR), which measures its capital strength, and the Non-Performing Loans (NPL) ratio, which assesses the banks asset quality.
Considering the banks diversified business model and strong financial performance, it is essential to evaluate its competitive position within the Polish banking market. This involves analyzing its market share, customer base, and product offerings relative to its peers. By doing so, we can gain a deeper understanding of Alior Bank S.A.s growth prospects and potential investment opportunities.
ALR Stock Overview
| Market Cap in USD | 4,130m |
| Sub-Industry | Diversified Banks |
| IPO / Inception |
ALR Stock Ratings
| Growth Rating | 81.9% |
| Fundamental | 85.6% |
| Dividend Rating | 83.0% |
| Return 12m vs S&P 500 | -4.94% |
| Analyst Rating | - |
ALR Dividends
| Dividend Yield 12m | 9.53% |
| Yield on Cost 5y | 77.16% |
| Annual Growth 5y | 44.19% |
| Payout Consistency | 100.0% |
| Payout Ratio | 50.0% |
ALR Growth Ratios
| Growth Correlation 3m | 91.7% |
| Growth Correlation 12m | 74.4% |
| Growth Correlation 5y | 87.8% |
| CAGR 5y | 54.65% |
| CAGR/Max DD 5y | 0.84 |
| Sharpe Ratio 12m | 0.57 |
| Alpha | -3.16 |
| Beta | 0.910 |
| Volatility | 51.79% |
| Current Volume | 233.3k |
| Average Volume 20d | 272.9k |
| Stop Loss | 99.3 (-4.2%) |
| Signal | -2.18 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (2.40b TTM) > 0 and > 6% of Revenue (6% = 376.3m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA 9.65pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.05 (>3.0%) and CFO 4.86b > Net Income 2.40b (YES >=105%, WARN >=100%) |
| error: Net Debt/EBITDA cannot be calculated |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (130.6m) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin 100.0% (prev 100.0%; Δ 0.0pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.62% (prev 6.75%; Δ -0.13pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 2.23 (EBITDA TTM 4.34b / Interest Expense TTM 1.95b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 85.61
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 50.76% = 5.0 |
| 3. FCF Margin 74.83% = 7.50 |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda data missing |
| 6. ROIC - WACC 24.53% = 12.50 |
| 7. RoE 21.17% = 1.76 |
| 8. Rev. Trend 66.39% = 3.32 |
| 9. Rev. CAGR 28.10% = 2.50 |
| 10. EPS Trend 61.05% = 1.53 |
| 11. EPS CAGR 148.6% = 2.50 |
What is the price of ALR shares?
Over the past week, the price has changed by -3.08%, over one month by +0.68%, over three months by +9.12% and over the past year by +11.19%.
Is Alior Bank S.A. a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ALR is around 140.81 PLN . This means that ALR is currently undervalued and has a potential upside of +35.79% (Margin of Safety).
Is ALR a buy, sell or hold?
What are the forecasts/targets for the ALR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 128.5 | 23.9% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 158.2 | 52.6% |
ALR Fundamental Data Overview
Market Cap PLN = 15.12b (15.12b PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 5.87b PLN (Cash only, last quarter)
P/E Trailing = 6.3072
P/E Forward = 6.7843
P/S = 2.6507
P/B = 1.3158
Beta = 1.288
Revenue TTM = 6.27b PLN
EBIT TTM = 4.34b PLN
EBITDA TTM = 4.34b PLN
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 9.25b PLN (15.12b + (null Debt) - CCE 5.87b)
Interest Coverage Ratio = 2.23 (Ebit TTM 4.34b / Interest Expense TTM 1.95b)
FCF Yield = 50.76% (FCF TTM 4.69b / Enterprise Value 9.25b)
FCF Margin = 74.83% (FCF TTM 4.69b / Revenue TTM 6.27b)
Net Margin = 38.23% (Net Income TTM 2.40b / Revenue TTM 6.27b)
Gross Margin = unknown ((Revenue TTM 6.27b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 7.72 (Enterprise Value 9.25b / Book Value Of Equity 1.20b)
Interest Expense / Debt = unknown (Interest Expense 465.0m / Debt none)
Taxrate = 23.54% (from yearly Tax Provision: 752.9m / 3.20b)
NOPAT = 3.32b (EBIT 4.34b * (1 - 23.54%))
Current Ratio = unknown (Total Current Assets none / Total Current Liabilities none)
Debt / Equity = unknown Debt (none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 4.34b)
Debt / FCF = none (Debt none / FCF TTM 4.69b)
Total Stockholder Equity = 11.33b (last 4 quarters mean)
RoA = 2.41% (Net Income 2.40b, Total Assets 99.47b )
RoE = 21.17% (Net Income TTM 2.40b / Total Stockholder Equity 11.33b)
RoCE = unknown (Ebit 4.34b / (Equity 11.33b + L.T.Debt none))
RoIC = 24.53% (NOPAT 3.32b / Invested Capital 13.54b)
WACC = unknown (E(15.12b)/V(0.0) * Re(9.37%)) + (D(none)/V(0.0) * Rd(none%) * (1-Tc(0.24)))
Shares Correlation 5-Years: 70.70 | Cagr: 0.01%
Discount Rate = 9.37% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 64.70% ; FCFE base≈4.69b ; Y1≈3.08b ; Y5≈1.41b
Fair Price DCF = 172.4 (DCF Value 22.51b / Shares Outstanding 130.6m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 66.39 | Revenue CAGR: 28.10%
Rev Growth-of-Growth: -23.46
EPS Correlation: 61.05 | EPS CAGR: 148.6%
EPS Growth-of-Growth: -66.98