A

Alior Bank SA
WSE:ALR

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Alior Bank SA
WSE:ALR
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Price: 90.2 PLN 2.97% Market Closed
Market Cap: 11.8B PLN
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Intrinsic Value

The intrinsic value of one ALR stock under the Base Case scenario is 143.93 PLN. Compared to the current market price of 90.2 PLN, Alior Bank SA is Undervalued by 37%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

ALR Intrinsic Value
143.93 PLN
Undervaluation 37%
Intrinsic Value
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Alior Bank SA

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Alior Bank SA

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Financials
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Balance Sheet Decomposition
Alior Bank SA

Net Loans 62.9B
Investments 22.6B
PP&E 721.2m
Intangibles 439m
Other Assets 4.5B
Total Deposits 74.7B
Long Term Debt 3B
Other Liabilities 2.7B
Earnings Calls

In Q3 2024, Alior Bank reported a record net profit of PLN 666 million, boosting cumulative profit for the year to PLN 1.83 billion. The bank's Tier 1 capital ratio stood strong at 16.78%. Growth was notable in the mortgage portfolio, which reached PLN 12 billion and made up over 30% of credit offerings. Mobile app users increased 20% to 1.24 million, and the cost of risk dropped significantly to 72 basis points. Revenues surpassed PLN 4.5 billion, a PLN 415 million rise year-on-year. Guidance indicates continued focus on cost controls and a targeted cost-to-income ratio of 30%.

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Wall St
Price Targets

ALR Price Targets Summary
Alior Bank SA

Wall Street analysts forecast ALR stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for ALR is 110.44 PLN with a low forecast of 97.67 PLN and a high forecast of 124.95 PLN.

Lowest
Price Target
97.67 PLN
8% Upside
Average
Price Target
110.44 PLN
22% Upside
Highest
Price Target
124.95 PLN
39% Upside
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Dividends

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Shareholder Yield

Current shareholder yield for ALR is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Profile

Alior Bank SA

Country

Poland

Industry

Banking

Market Cap

11.8B PLN

Dividend Yield

4.9%

Description

Alior Bank SA engages in the provision of banking and financial services. The company is headquartered in Warsaw, Woj. Mazowieckie and currently employs 7,678 full-time employees. The company went IPO on 2012-12-14. The Bank divides its business into three segments: Individual Clients; Business Clients; and Treasury Activity. The operations of the Bank comprise accepting cash as demand deposits and keeping deposit accounts; maintaining other bank accounts; granting credits; giving and confirming bank guarantees and opening and confirming letters of credit; issuing banking securities; conducting banking settlements; granting cash loans; issuing payment cards; trading in securities; and pursuing brokerage services; among others. The company operates through Bank BPH.

Contact

WOJ. MAZOWIECKIE
Warsaw
ul. Lopuszanska 38D
+48123707000.0
www.aliorbank.pl

IPO

2012-12-14

Employees

7 678

Officers

Vice-President of the Management Board
Mr. Tomasz Miklas
Vice President of the Management Board
Mr. Wojciech Przybyl
Director of the Accounting Department & Chief Accountant
Urszula Nowik-Krawczyk
Head of IR Department
Dominik Prokop

See Also

Discover More
What is the Intrinsic Value of one ALR stock?

The intrinsic value of one ALR stock under the Base Case scenario is 143.93 PLN.

Is ALR stock undervalued or overvalued?

Compared to the current market price of 90.2 PLN, Alior Bank SA is Undervalued by 37%.

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