ScoreWhy is Alior Bank SA ?
1
Strong Long Term Fundamental Strength with a 58.00% CAGR growth in Net Profits
- Bank has controlled its costs efficiently with a low Cost to Income ratio of 39.98%
2
Negative results in Sep 25
- OPERATING CASH FLOW(Y) Lowest at PLN 1,081.58 MM
- NET SALES(Q) Lowest at PLN 1,743.37 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 88%
3
With ROA of 1.55%, it has a fair valuation with a 1.17 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 -8.08%, its profits have risen by 20% ; the PEG ratio of the company is 0.3
4
Underperformed the market in the last 1 year
- Even though the market (Poland WIG) has generated returns of 27.62% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -8.08% returns
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, Low Return
Absolute
Risk Adjusted
Volatility
Alior Bank SA
-8.08%
0.55
35.22%
Poland WIG
27.62%
1.38
19.95%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.20%
EBIT Growth (5y)
64.88%
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
49.07%
Pledged Shares
0
Institutional Holding
0.19%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
1.17
EV to EBIT
4.56
EV to EBITDA
4.18
EV to Capital Employed
1.17
EV to Sales
1.88
PEG Ratio
0.27
Dividend Yield
8.88%
ROCE (Latest)
25.74%
ROE (Latest)
21.28%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
NO KEY POSITIVE TRIGGERS
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PLN 1,081.58 MM
NET SALES(Q)
Lowest at PLN 1,743.37 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 88%
Here's what is not working for Alior Bank SA
Operating Cash Flow
Lowest at PLN 1,081.58 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PLN MM)
Net Sales
Lowest at PLN 1,743.37 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (PLN MM)
Credit Deposit Ratio
Lowest at 88%
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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