Alior Bank (ALR) Stock Price, Fundamentals & Analysis

What ALR does

Alior Bank (ALR) is a stock listed on the Warsaw Stock Exchange in the Financial Services sector, specifically within the Banks - Diversified industry. Headquartered in Warsaw, Poland, the company employs 6,603 people and provides a wide range of banking products and services for individuals, businesses, and enterprises. It operates through three segments: Retail, Corporate, and Treasury Activities.

Retail offerings include cash loans, credit cards, overdraft facilities, mortgage loans, term and savings deposits, brokerage products, investment funds, personal accounts, and currency exchange. On the corporate side, Alior Bank provides overdraft limits, working capital and investment loans, leasing and factoring, trade finance, derivative instruments, and commercial bond issuance. It also offers retirement pension products, stock broking, financial advisory, and operates currency trading platforms.

At a price of 139.05 PLN, Alior Bank carries a market capitalisation of 18.15B PLN. It is part of the WIG20 index, placing it among the largest companies on the Warsaw Stock Exchange alongside peers such as PKO Bank Polski (PKO) and mBank (MBK).

Key numbers explained

• P/E ratio of 9 (trailing) and 7.9 (forward): The trailing P/E ratio shows how much investors pay per unit of earnings based on the last 12 months; a lower figure can suggest a more modest valuation relative to peers. The forward P/E ratio uses expected earnings instead.
• Dividend yield of 6.42%: The dividend yield tells you what percentage of the current share price the company distributes to shareholders annually. Alior Bank pays out 58% of its earnings as dividends, with the next ex-dividend date on May 12, 2026.
• Earnings per share of 15.48 PLN (trailing 12 months): EPS measures how much profit is attributed to each outstanding share.
• Beta of 0.85: Beta indicates how volatile a stock is compared with the overall market; a value below 1 suggests smaller price swings than average.
• 52-week range of 99.04 – 143.7 PLN, with a 33.8% price change over the last year: This shows where the share price has traded and how much it has moved in a year.
• Profit margin of 37% and operating margin of 48.5%: These margins express profitability as a percentage of revenue — how much of each złoty in sales translates into profit or operating income.
• Return on equity of 16.8%: ROE measures how effectively a company generates profit from shareholders' equity.
• Price-to-book of 1.45: The P/B ratio compares the market price to the company's book value per share.

What to watch

When following Alior Bank, several general factors tend to influence this kind of stock. Revenue trends matter: trailing 12-month revenue of 5.46B PLN represents a -17.2% year-over-year change, so monitoring whether revenue stabilises or recovers is relevant. Interest rate movements across the banking sector can affect lending margins and deposit costs for diversified banks. Regulatory changes within the European banking framework may also shape capital and lending requirements. Earnings catalysts, such as the next report on Oct 27, 2026, often bring updated guidance. Finally, dividend policy decisions — given the current 6.42% yield and 58% payout — are worth tracking for income-focused investors. For broader context, you can compare Alior Bank with other Warsaw-listed names like Kruk S.A. (KRU) or Bank Pekao (PEO).