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
Flat results in Jun 25
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 21.40%, its profits have risen by 20% ; the PEG ratio of the company is 0.3
4
Underperformed the market in the last 1 year
- The stock has generated a return of 21.40% in the last 1 year, much lower than market (Poland WIG) returns of 37.76%
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
21.35%
0.48
36.85%
Poland WIG
39.24%
1.84
20.48%
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
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
GROSS NPA (%)
(Q
OPERATING PROFIT MARGIN(Q)
Highest at 48.88 %
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Alior Bank SA
Non Performing Loans (%)
Lowest at 5.61%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit Margin
Highest at 48.88 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
