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XWAR
ALR
Market cap3.53bUSD
Apr 30, Last price  
102.25PLN
1D
-3.63%
1Q
9.29%
Jan 2017
88.69%
IPO
105.82%
Name

Alior Bank SA

Chart & Performance

D1W1MN
P/E
5.46
P/S
2.15
EPS
18.73
Div Yield, %
4.32%
Shrs. gr., 5y
-0.08%
Rev. gr., 5y
8.50%
Revenues
6.22b
-1.91%
1,002,602,0001,445,673,0001,550,678,0001,873,761,0002,188,260,0002,704,348,0003,813,991,0004,100,176,0004,135,254,0003,774,055,0003,795,933,0004,511,512,0006,338,039,0006,217,156,000
Net income
2.45b
+20.44%
152,181,000174,063,000227,902,000322,744,000309,648,000618,278,000515,241,000713,373,000252,832,000-311,233,000481,925,000683,111,0002,030,125,0002,445,022,000
CFO
-556m
L-87.02%
25,141,000-374,256,00048,791,000-302,953,000742,707,000-2,225,587,000-576,220,000757,539,000-302,192,0001,375,989,0002,066,599,000-504,441,000-4,280,276,000-555,631,000
Dividend
May 09, 20244.42 PLN/sh
Earnings
Jul 31, 2025

Profile

Alior Bank S.A. provides banking products and services to individuals, businesses, and enterprises in Poland. The company operates through three segments: Retail, Business, and Treasury Activities. The company offers personal, savings, and subsidiary accounts; term and savings deposit products; cash, mortgage, working capital, and investment loans; credit cards; brokerage products and investment funds; and derivative instruments, as well as currency exchange transaction and current account overdraft services, and cash deposit, withdrawal, and transfer services. It also engages in the debt collection and asset management activities; management of collective security portfolios and financial instruments; activities of insurance agents and broker; activities related to risk assessment; finance of fixed assets and lease loans; and provision IT consulting and related services. Alior Bank S.A. was founded in 2008 and is based in Warsaw, Poland.
URL
https://www.aliorbank.pl/
IPO date
Dec 14, 2012
Employees
7,041
Domiciled in
PL
Incorporated in
PL

Valuation

Title
PLN in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
6,217,156
-1.91%
6,338,039
40.49%
4,511,512
18.85%
Cost of revenue
448,612
399,893
623,874
Unusual Expense (Income)
NOPBT
5,768,544
5,938,146
3,887,638
NOPBT Margin
92.78%
93.69%
86.17%
Operating Taxes
752,855
676,930
352,913
Tax Rate
13.05%
11.40%
9.08%
NOPAT
5,015,689
5,261,216
3,534,725
Net income
2,445,022
20.44%
2,030,125
197.19%
683,111
41.75%
Dividends
Dividend yield
Proceeds from repurchase of equity
BB yield
Debt
Debt current
49,720
Long-term debt
3,933,168
2,519,998
Deferred revenue
55,763
Other long-term liabilities
(300,219)
(2,337,118)
Net debt
(26,422,573)
(17,970,293)
(17,340,136)
Cash flow
Cash from operating activities
(555,631)
(4,280,276)
(504,441)
CAPEX
(90,456)
(94,863)
(149,751)
Cash from investing activities
585,449
3,588,014
(311,738)
Cash from financing activities
(445,726)
647,378
(363,069)
FCF
4,718,982
5,740,211
3,796,718
Balance
Cash
2,544,977
2,746,907
2,716,615
Long term investments
23,877,596
19,156,554
17,193,239
Excess cash
26,111,715
21,586,559
19,684,278
Stockholders' equity
3,803,730
3,060,246
1,940,122
Invested Capital
89,489,757
86,279,504
80,682,773
ROIC
5.71%
6.30%
4.35%
ROCE
6.18%
6.65%
4.71%
EV
Common stock shares outstanding
130,554
130,554
130,554
Price
85.98
12.63%
76.34
122.76%
34.27
-37.35%
Market cap
11,225,032
12.63%
9,966,492
122.76%
4,474,085
-37.35%
EV
(15,197,541)
(8,003,801)
(11,688,693)
EBITDA
6,038,993
6,196,922
4,129,653
EV/EBITDA
Interest
2,050,006
2,623,599
1,830,295
Interest/NOPBT
35.54%
44.18%
47.08%