ScoreWhy is Alior Bank SA ?
1
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 39.98%
2
Flat results in Mar 26
- NET SALES(Q) Lowest at PLN 1,633.44 MM
- NII(Q) Lowest at PLN 1,248.24 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 86.07%
3
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 42.52%, its profits have fallen by -3%
4
Market Beating performance in long term as well as near term
- Along with generating 42.52% returns in the last 1 year, the stock has outperformed Poland WIG in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow 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, High Return
Absolute
Risk Adjusted
Volatility
Alior Bank SA
37.42%
1.36
32.39%
Poland WIG
29.57%
1.74
17.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.70%
EBIT Growth (5y)
57.98%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
49.25%
Pledged Shares
0
Institutional Holding
0.19%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
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
NA
Dividend Yield
6.75%
ROCE (Latest)
20.61%
ROE (Latest)
18.02%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
GROSS NPA (%)
(Q
-9What is not working for the Company
NET SALES(Q)
Lowest at PLN 1,633.44 MM
NII(Q)
Lowest at PLN 1,248.24 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 86.07%
OPERATING PROFIT(Q)
Lowest at PLN 639.41 MM
PRE-TAX PROFIT(Q)
Lowest at PLN 643.15 MM
NET PROFIT(Q)
Lowest at PLN 404.71 MM
EPS(Q)
Lowest at PLN 3.09
Here's what is working for Alior Bank SA
Non Performing Loans (%)
Lowest at 4.99%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Here's what is not working for Alior Bank SA
Net Sales
Lowest at PLN 1,633.44 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (PLN MM)
NII
Lowest at PLN 1,248.24 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PLN MM)
Operating Profit
Lowest at PLN 639.41 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PLN MM)
Pre-Tax Profit
Lowest at PLN 643.15 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PLN MM)
Net Profit
Lowest at PLN 404.71 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (PLN MM)
EPS
Lowest at PLN 3.09
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (PLN)
Credit Deposit Ratio
Lowest at 86.07%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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