Alior Bank S.A.

$ 135.50 0.37 %

Alior Bank S.A. is a Polish financial institution that delivers a comprehensive suite of banking products and services to a diverse clientele, encompassing private individuals, corporate clients, and large enterprises throughout Poland. The bank's operations are strategically divided into three key segments: Retail, Business, and Treasury Activities. Its core offerings include a variety of accounts, such as personal, savings, and subsidiary accounts, alongside flexible term and savings deposit products. Alior Bank provides a range of lending options, including consumer cash loans, home mortgages, working capital facilities, and investment financing. Furthermore, it supplies credit cards, brokerage services, investment funds, and derivative instruments. Clients can also utilize currency exchange transactions, current account overdrafts, and standard cash management services like deposits, withdrawals, and transfers. Beyond traditional banking, the institution is involved in debt recovery and asset management. It also oversees collective security portfolios and manages various financial instruments. The bank functions as an insurance agent and broker, undertakes risk assessment activities, provides financing for fixed assets, and offers lease loans. Additionally, it delivers IT consulting and associated services. Established in 2008, Alior Bank S.A. maintains its headquarters in Warsaw, Poland.

CEO: Piotr Krzysztof Zabski - https://www.aliorbank.pl

Price objectif

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Recommandation

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DCF

$ 339.73

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ALR.WA vs S&P500

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Quick ratio

0.00

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

7.71

may indicate that the company is undervalued or has poor growth prospects.

EPS

17.58

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

18.44 %

reflects reasonable profitability, showing good use of equity.

ROIC

2.21 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

13.39

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.20

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

16.00

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

52.30 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
4 indicates moderate financial health
Altman score
0.33 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.00 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.03 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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