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Alior Bank S.A.

Alior Bank S.A.

ALR · WAR · Financial Services / Banks - Diversified

147.55PLN+0.05 (+0.03%)

Price History

Full chart

Market Stats

Previous Close147.50
Open147.15
Day Range145.75 – 148.00
52-Week Range92.03 – 143.70
Volume189.65K
Market Cap16.97B
P/E (TTM)8.40
Forward P/E6.78
EPS15.48
Dividend Yield6.87%
Beta0.85
50-Day Avg134.50
200-Day Avg125.18

About

Alior Bank S.A. provides various banking products and services for individuals, businesses, and enterprises in Poland. The company operates through three segments: Retail, Corporate, and Treasury Activities. It offers retail products, including cash loans, credit cards, current account overdraft facilities, and mortgage loans; term and savings deposits; brokerage products and investment funds; personal accounts; cash deposits, withdrawals, and transfers; and currency exchange transactions. The company also provides corporate products, such as overdraft limits in current accounts, working capital loans, investment loans, and credit cards; current and subsidiary accounts; term deposits; cash deposits and withdrawals and transfers; FX exchange transactions; derivative instruments; and leasing and factoring. In addition, it offers bills, trade finance, internet banking, and operating and financial leasing services, as well as issues commercial bonds. In addition, it offers retirement pension products and investments fund services, as well as operates currency trading platforms. Further, it provides stock broking, financial advisory, intermediation, and other financial services. The company was incorporated in 2008 and is headquartered in Warsaw, Poland.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Diversified
  • CEOMr. Piotr Krzysztof Zabski
  • Employees6.60K
  • Headquartersul. Chmielna 69, Warsaw, Poland, 00-801, Poland
  • Websitehttps://www.aliorbank.pl

Leadership

  • Mr. Piotr Krzysztof ZabskiChairman of Management Board & CEO
  • Mr. Jacek IljinVice President of the Management Board
  • Mr. Zdzislaw WojteraVice President of the Management Board
  • Mr. Wojciech PrzybylVice President of the Management Board
  • Mr. Marcin CiszewskiVice President of the Management Board
  • Ms. Beata StawiarskaVice President of the Management Board
  • Urszula Nowik-KrawczykDirector of the Accounting Department & Chief Accountant
  • Mr. Dominik ProkopHead of IR Department

Financials

Income Statement

Currency: PLN2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue351.66M855.68M1.00B1.29B1.55B1.87B2.17B2.70B3.76B4.10B4.12B3.77B3.79B4.51B5.84B6.22B8.34B
Growth (%)-+143.33%+17.17%+28.28%+20.57%+20.83%+15.71%+24.73%+39.07%+9.02%+0.57%-8.47%+0.37%+19.09%+29.44%+6.47%+34.22%
Cost of Revenue351.66M855.68M----17.00M-20.07M-21.44M-------2.05B2.48B
Gross Profit--1.00B1.29B1.55B1.89B2.19B2.73B3.76B4.10B4.12B3.77B3.79B4.51B5.84B6.22B5.87B
Gross Margin--100.00%100.00%100.00%100.91%100.93%100.79%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%70.29%
Operating Expense--650.82M913.57M863.75M939.76M1.15B1.55B2.14B2.05B2.20B2.12B1.98B3.42B2.35B2.50B2.93B
Operating Income-332.38M-122.31M351.79M372.56M686.93M951.00M1.04B1.18B1.62B2.05B1.92B1.65B1.80B1.09B3.49B3.72B2.94B
Operating Margin-94.52%-14.29%35.09%28.97%44.30%50.75%47.90%43.48%43.10%49.88%46.68%43.76%47.62%24.13%59.83%59.79%35.19%
EBITDA-299.96M-74.56M222.04M875.33M362.85M476.58M1.37B877.98M866.16M1.16B737.26M565.36M1.01B1.28B2.97B3.47B3.11B
EBITDA Margin-85.30%-8.71%22.15%68.06%23.40%25.43%63.24%32.47%23.03%28.36%17.88%14.98%26.72%28.33%50.79%55.79%37.32%
Net Income-271.34M-103.99M152.18M61.13M227.90M322.74M309.65M575.23M471.19M713.37M248.28M-311.23M481.93M683.11M2.03B2.45B2.37B
Net Income Margin-77.16%-12.15%15.18%4.75%14.70%17.22%14.28%21.27%12.53%17.40%6.02%-8.25%12.72%15.14%34.77%39.33%28.37%
Interest Expense14.30M12.48M356.31M573.01M519.61M497.32M898.21M697.83M744.99M871.85M877.85M484.15M238.41M1.83B2.62B2.05B1.78B
Interest Expense % of Total Revenue4.07%1.46%35.54%44.55%33.51%26.54%41.43%25.80%19.81%21.26%21.29%12.83%6.29%40.57%44.93%32.97%21.37%

Balance Sheet

Currency: PLN2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets6.26B9.31B15.37B21.18B25.55B30.17B40.00B61.16B69.52B73.42B76.71B78.64B83.05B82.88B90.13B93.29B101.78B
Total Liabilities5.18B8.34B14.42B19.57B23.37B27.15B36.49B55.00B62.82B66.93B69.98B72.08B77.13B76.71B80.88B82.09B88.79B
Total Equity1.08B975.54M950.03M1.97B2.18B3.01B3.51B6.16B6.69B6.49B6.74B6.56B5.92B6.17B9.25B11.21B12.98B
Cash--1.55B1.43B1.35B1.58B2.22B1.92B1.79B2.31B1.56B2.55B4.06B2.83B2.75B2.54B3.41B
Total Debt891.25M289.70M44.40M1.07B348.82M2.21B3.19B4.13B5.46B5.23B5.25B3.58B2.30B2.29B3.68B2.43B2.64B
Net Debt891.25M289.70M-1.55B-284.72M-1.00B-1.58B964.14M-1.92B-1.79B-2.31B3.81B-2.67B-4.06B-2.83B933.12M-2.54B-765.71M

Cash Flow

Currency: PLN2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-38.37M392.79M25.14M-374.26M10.03M-302.95M742.71M-2.23B-576.22M757.54M-302.19M1.38B194.03M-504.44M-4.28B-555.63M4.51B
Investing Cash Flow-4.09B-2.52B-55.08M-108.74M-108.40M-78.91M-365.96M-643.45M-204.07M-203.47M-146.79M-138.43M1.70B-311.74M3.59B585.45M-1.60B
Financing Cash Flow4.01B2.53B104.32M1.05B-30.40M588.85M369.19M2.38B685.41M-89.79M-250.53M-156.78M-591.91M-363.07M647.38M-445.73M-968.49M
Capital Expenditure109.15M47.35M55.13M49.13M50.18M22.86M55.30M319.17M107.85M94.34M73.06M93.37M127.88M149.75M169.62M189.36M138.24M
Free Cash Flow-147.51M345.43M-29.99M-483.14M-98.37M-381.82M630.22M-2.70B-786.27M546.45M-453.55M1.23B12.65M-654.19M-4.45B-744.99M2.90B
Dividends Paid---------------577.05M1.20B
FCF to OCF384.50%87.94%-119.30%129.09%-980.67%126.03%84.85%121.29%136.45%72.13%150.09%89.29%6.52%129.69%103.96%134.08%64.27%
Dividend Paid to FCF----------------77.46%41.39%

Earnings

Report DateDec 31, 2012May 9, 2013Aug 8, 2013Nov 13, 2013Mar 6, 2014May 8, 2014Aug 7, 2014Nov 6, 2014Feb 27, 2015May 15, 2015Aug 20, 2015Nov 5, 2015Mar 3, 2016May 12, 2016Aug 11, 2016Nov 8, 2016Mar 9, 2017May 9, 2017Aug 10, 2017Nov 8, 2017Mar 7, 2018May 10, 2018Aug 8, 2018Nov 7, 2018Feb 27, 2019May 7, 2019Aug 5, 2019Nov 5, 2019Feb 28, 2020May 6, 2020Aug 19, 2020Nov 4, 2020Feb 26, 2021Apr 28, 2021Aug 3, 2021Oct 26, 2021Mar 2, 2022Apr 26, 2022Aug 2, 2022Nov 3, 2022Mar 2, 2023Apr 25, 2023Aug 1, 2023Oct 25, 2023Feb 26, 2024Apr 24, 2024Aug 1, 2024Oct 23, 2024Mar 4, 2025Apr 25, 2025Aug 6, 2025Oct 29, 2025Feb 24, 2026Apr 24, 2026Aug 4, 2026Oct 27, 2026
EPS Estimate-1.411.80-0.35-0.831.250.941.321.011.101.041.261.271.281.320.81--1.051.101.241.491.661.32---------0.981.05--1.893.293.51---4.423.51----------
EPS Actual-0.731.351.350.540.890.931.140.961.571.241.170.990.530.871.020.663.150.620.761.441.091.311.491.311.380.790.270.95-0.150.56-4.480.630.920.830.951.150.761.301.66-0.482.832.803.884.384.492.764.495.104.713.654.904.315.273.092.81-
Surprise--4.26%-25.00%254.29%-12.05%-8.80%2.13%18.94%22.77%6.36%-4.81%-57.94%-31.50%-20.31%-50.00%288.89%--37.14%-0.91%5.65%0.00%-21.08%4.55%----------3.06%9.52%---12.17%-114.59%-19.37%---1.58%-21.37%----------
Timing-After-hoursAfter-hoursAfter-hours-Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours--Pre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap16.97B
Enterprise Value18.20B
Trailing P/E8.40
Forward P/E6.78
Price / Sales3.11
Price / Book1.46
EPS15.48
Book Value95.85
Revenue (TTM)5.46B
Gross Profit (TTM)5.37B
Profit Margin36.98%
Operating Margin48.49%
Return on Equity16.83%
Return on Assets1.96%
Shares Outstanding130.55M
Shares Float88.89M
Beta0.85
Dividend Yield6.87%
Dividend Rate8.93
Payout Ratio57.71%

Dividends

20261×
8.93May 12, 2026
20251×
9.19Jun 27, 2025
20241×
4.42May 9, 2024

Stock Splits

  • May 20, 2016749:611