Alior Bank S.A. (ALR.WA) stock analysis

In our weekly check, Alior Bank S.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 1, red flags: 6.

About Alior Bank S.A.

Alior Bank S.A. is a Financial Services company (Banks - Diversified), listed on WSE as ALR.WA.

What our checks show for ALR.WA

Red flags

• The gross margin fell by 26 points, to 74%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 8% a year.
• The dividend takes 123% of profit: little cushion if profit falls.
• The stock has fallen as much as 87% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 3.3 years.

Warning signs

• Thinly traded (about 251 thousand shares a day): buying and selling can move the price.

Strengths

• The net margin rose by 11.6 points over 5 years, to 24.3%.
• Operating cash flow is 1.57x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 10.5 points from today's 24.3%.
• Revenue grew 20.7% a year over the last 3 years.
• Earnings per share grew 41.4% a year over the last 3 years.
• Net profit grew 41.4% a year over the last 3 years.

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Questions

What grade does Alior Bank S.A. (ALR.WA) have?

In our weekly check, Alior Bank S.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 1, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of ALR.WA stock?

This week's biggest flags for Alior Bank S.A.: Gross margin falling, Weak revenue forecast, Dividend stretched. In total 7 of 25 checks show a warning or a red flag.

What does Alior Bank S.A. do?

Alior Bank S.A. is a Financial Services company (Banks - Diversified), listed on WSE as ALR.WA.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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