Alior Bank SA (ALR) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

ING Bank Slaski SA

Bank Millennium SA

Bank Ochrony Srodowiska SA

Alior Bank SA

Santander Bank Polska SA

BANK POLSKA KASA OPIEKI SA

Bank Handlowy w Warszawie SA

BNP Paribas Bank Polska SA

Getin Holding SA

mPay SA

Why is Alior Bank SA ?

Strong Long Term Fundamental Strength with a 57.20% CAGR growth in Net Profits

Bank has controlled its costs efficiently with a low Cost to Income ratio of 42.56%

Negative results in Jun 26

OPERATING CASH FLOW(Y) Lowest at PLN 1,988.6 MM
NET SALES(Q) Lowest at PLN 1,537.56 MM
NII(Q) Lowest at PLN 1,162.83 MM

With ROA of 1.42%, it has a fair valuation with a 1.31 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 13.74%, its profits have fallen by -3%

Underperformed the market in the last 1 year

The stock has generated a return of 13.74% in the last 1 year, much lower than market (Poland WIG) returns of 37.09%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Alior Bank SA should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Alior Bank SA for you?

Medium Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Alior Bank SA

-100.0%

1.43

31.24%

Poland WIG

37.09%

2.22

16.73%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

15.70%

EBIT Growth (5y)

57.98%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

49.25%

Pledged Shares

Institutional Holding

0.19%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.31

EV to EBIT

6.35

EV to EBITDA

5.81

EV to Capital Employed

1.31

EV to Sales

2.54

PEG Ratio

Dividend Yield

6.75%

ROCE (Latest)

20.61%

ROE (Latest)

18.02%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

Bullish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

4What is working for the Company

GROSS NPA (%)

-26What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at PLN 1,988.6 MM

NET SALES(Q)

Lowest at PLN 1,537.56 MM

NII(Q)

Lowest at PLN 1,162.83 MM

CASH AND EQV(HY)

Lowest at PLN 1,320.69 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 84.1%

OPERATING PROFIT(Q)

Lowest at PLN 622.67 MM

PRE-TAX PROFIT(Q)

Lowest at PLN 631.62 MM

NET PROFIT(Q)

Lowest at PLN 387.23 MM

EPS(Q)

Lowest at PLN 2.81

Here's what is working for Alior Bank SA

Non Performing Loans (%)

Lowest at 4.65%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Here's what is not working for Alior Bank SA

Pre-Tax Profit

At PLN 0 MM has Fallen at -100%

over average net sales of the previous four periods of PLN 753.45 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (PLN MM)

Operating Cash Flow

Lowest at PLN 1,988.6 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (PLN MM)

Net Sales

Lowest at PLN 1,537.56 MM and Fallen

In each period in the last five periods

MOJO Watch

Near term sales trend is very negative

Net Sales (PLN MM)

NII

Lowest at PLN 1,162.83 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (PLN MM)

Operating Cash Flow

Lowest at PLN 2,141.94 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (PLN MM)

Operating Profit

Lowest at PLN 622.67 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (PLN MM)

Pre-Tax Profit

Lowest at PLN 631.62 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (PLN MM)

Net Profit

Lowest at PLN 387.23 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (PLN MM)

EPS

Lowest at PLN 2.81

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (PLN)

Cash and Eqv

Lowest at PLN 1,320.69 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Credit Deposit Ratio

Lowest at 84.1%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)