ALORY

Alior Bank S.A.

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Price alert · ALORY

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19.21 USD 0.00 0.00%
As of Oct 29, 2026
19.21 Day range 19.21
14.74 52-week range 19.21
YTD
+30.33%
1 year
+30.33%
Open
19.21
Prev close
19.21
Mkt cap
5.02B
Vol
100
Avg vol
18
EPS
2.01
P/E
9.56
More statistics
Low
19.21
High
19.21

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Financial health

Altman Z-Score

-0.53 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 1
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 6.1×
FY 2016: 10.4×FY 2017: 13.4×FY 2018: 9.5×FY 2019: 28.1×FY 2020: -3.0×FY 2021: 13.7×FY 2022: 3.5×FY 2023: 1.0×FY 2024: 5.3×FY 2025: 6.1×
FY 2016 5y median 5.3× FY 2025
P/S 1.7×
FY 2016: 2.3×FY 2017: 1.7×FY 2018: 1.7×FY 2019: 1.7×FY 2020: 0.2×FY 2021: 1.7×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 2.1×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
P/B 1.1×
FY 2016: 1.0×FY 2017: 0.9×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 0.1×FY 2021: 1.1×FY 2022: 0.4×FY 2023: 0.2×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 5.0×
FY 2016: -2.3×FY 2017: -8.2×FY 2018: 12.6×FY 2019: -15.4×FY 2020: 0.8×FY 2021: 3.5×FY 2022: -3.6×FY 2023: -0.5×FY 2024: -17.2×FY 2025: 5.0×
FY 2016 5y median -0.5× FY 2025
EV/EBITDA 4.3×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 4.3×
FY 2016 5y median 0.0× FY 2025
EV/Sales 1.6×
FY 2016: 3.2×FY 2017: 2.7×FY 2018: 2.4×FY 2019: 2.6×FY 2020: 0.5×FY 2021: 1.3×FY 2022: 0.4×FY 2023: 0.6×FY 2024: 2.0×FY 2025: 1.6×
FY 2016 5y median 1.3× FY 2025
FCF Yield 20.1%
FY 2016: -43.9%FY 2017: -12.2%FY 2018: 8.0%FY 2019: -6.5%FY 2020: 131.4%FY 2021: 28.6%FY 2022: -27.6%FY 2023: -209.7%FY 2024: -5.8%FY 2025: 20.1%
FY 2016 5y median -5.8% FY 2025

Profitability

Gross Margin 70.3%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 116.6%FY 2024: 100.0%FY 2025: 70.3%
FY 2016 5y median 100.0% FY 2025
Operating Margin 35.2%
FY 2016: 25.6%FY 2017: 19.3%FY 2018: 24.1%FY 2019: 12.0%FY 2020: -5.5%FY 2021: 20.5%FY 2022: 23.0%FY 2023: 60.5%FY 2024: 59.8%FY 2025: 35.2%
FY 2016 5y median 35.2% FY 2025
Net Margin 28.4%
FY 2016: 21.3%FY 2017: 12.4%FY 2018: 17.4%FY 2019: 6.0%FY 2020: -8.2%FY 2021: 12.7%FY 2022: 15.1%FY 2023: 40.5%FY 2024: 39.3%FY 2025: 28.4%
FY 2016 5y median 28.4% FY 2025
ROE 17.5%
FY 2016: 9.3%FY 2017: 7.0%FY 2018: 11.0%FY 2019: 3.7%FY 2020: -4.7%FY 2021: 8.1%FY 2022: 11.1%FY 2023: 21.9%FY 2024: 21.8%FY 2025: 17.5%
FY 2016 5y median 17.5% FY 2025
ROIC 12.5%
FY 2016: 4.6%FY 2017: 3.1%FY 2018: 4.1%FY 2019: 1.3%FY 2020: -1.0%FY 2021: 2.2%FY 2022: 3.2%FY 2023: 2.0%FY 2024: 17.4%FY 2025: 12.5%
FY 2016 5y median 3.2% FY 2025
ROA 2.2%
FY 2016: 0.9%FY 2017: 0.7%FY 2018: 1.0%FY 2019: 0.3%FY 2020: -0.4%FY 2021: 0.6%FY 2022: 0.8%FY 2023: 2.3%FY 2024: 2.6%FY 2025: 2.2%
FY 2016 5y median 2.2% FY 2025

Growth (YoY)

Revenue 28.3%
FY 2016: 23.6%FY 2017: 41.0%FY 2018: 7.5%FY 2019: 0.9%FY 2020: -8.7%FY 2021: 0.6%FY 2022: 18.9%FY 2023: 11.0%FY 2024: 24.2%FY 2025: 28.3%
FY 2016 FY 2025
Operating Income -24.5%
FY 2016: 78.9%FY 2017: 6.5%FY 2018: 34.2%FY 2019: -49.9%FY 2020: -141.7%FY 2021: 477.4%FY 2022: 33.0%FY 2023: 192.4%FY 2024: 22.7%FY 2025: -24.5%
FY 2016 FY 2025
EPS (diluted) -7.6%
FY 2016: 62.4%FY 2017: -34.8%FY 2018: 52.0%FY 2019: -65.3%FY 2020: -225.9%FY 2021: 255.0%FY 2022: 41.7%FY 2023: 197.3%FY 2024: 20.5%FY 2025: -7.6%
FY 2016 FY 2025
Free Cash Flow 471.9%
FY 2016: -528.3%FY 2017: 70.9%FY 2018: 169.5%FY 2019: -183.0%FY 2020: 370.9%FY 2021: 53.4%FY 2022: -134.7%FY 2023: -580.2%FY 2024: 83.3%FY 2025: 471.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 40.5×FY 2017: 14.2×FY 2018: 22.2×FY 2019: 39.2×FY 2020: 150×FY 2021: 398×FY 2022: 436×FY 2023: -11.8×FY 2024: 0.0×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 77.0×FY 2017: 29.5×FY 2018: 51.5×FY 2019: 39.2×FY 2020: 150×FY 2021: 398×FY 2022: 436×FY 2023: -11.8×FY 2024: 0.0×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2016: 0.7×FY 2017: 0.8×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA -0.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: -0.2×
FY 2016 5y median 0.0× FY 2025
Interest Coverage 1.6×
FY 2016: 0.7×FY 2017: 1.0×FY 2018: 1.1×FY 2019: 0.6×FY 2020: -0.4×FY 2021: 3.3×FY 2022: 0.6×FY 2023: 1.2×FY 2024: 1.8×FY 2025: 1.6×
FY 2016 5y median 1.6× FY 2025

Dividends

Dividend Yield 8.3%
FY 2016: 19.9%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 4.7%FY 2025: 8.3%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 50.7%
FY 2016: 212.3%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 24.7%FY 2025: 50.7%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31