Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ALR.WA
HOLDREMOVEAlior Bank S.A. · Financial Services · Poland · $4.5B · Avg Vol: $11M/d
Alior Bank is a Polish financial institution exposed to regional macroeconomic volatility and regulatory interventions, lacking a structural global moat.
COMPANY DESCRIPTION
Alior Bank S.A. provides retail and corporate banking services in Poland, with a strong emphasis on consumer finance and digital channels. The bank is known for its advanced technological infrastructure and agile product development, allowing it to compete effectively with larger peers. It is a mid-sized, innovation-focused universal bank, with PZU SA as a major strategic shareholder.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | 1.2B | 1.6B | 1.7B | 1.7B | 11.1% |
| EPS | 1.44 | 4.29 | 5.16 | 5.00 | 51.3% |
| Shares | 131M | 131M | 131M | 131M | 0.0% |
| Debt | 630M | 1.0B | 671M | 729M | 5.0% |
| Equity | 1.7B | 2.6B | 3.1B | 3.6B | 28.1% |
| Op CF | -139M | -1.2B | 6M | 1.2B | 20958.7% |
| Inv CF | -86M | 1.0B | 161M | -442M | — |
| Fin CF | -100M | 179M | -282M | -267M | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ALR.WA are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ALR.WA | Alior Bank S.A.(you) | $4.5B | 57 | HOLD |
| BHW.WA | Bank Handlowy w Warszawie S.A. | $4.5B | 63 | HOLD |
| MIL.WA | Bank Millennium S.A. | $6.6B | 54 | HOLD |
| BNP.WA | BNP Paribas Bank Polska S.A. | $5.9B | 74 | BUY |
| KRU.WA | KRUK Spólka Akcyjna | $2.2B | 48 | HOLD |
| ING.WA | ING Bank Slaski S.A. | $15.7B | 55 | HOLD |
| MBK.WA | mBank S.A. | $15.0B | 62 | HOLD |
| EBP.WA | Erste Bank Polska S.A. | $17.3B | 68 | BUY |
| PEO.WA | Bank Polska Kasa Opieki S.A. | $17.5B | 71 | BUY |
| PZU.WA | Powszechny Zaklad Ubezpieczen SA | $15.3B | 76 | BUY |
Peer medians: ROE 15.8% · P/E 9.5x · Gross margin 5.6%