AU · rank #3 · 2026-07-20
ALR
GPW · PLN · $4.59B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.981 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.16 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $144.08 | +8.1% |
| Momentum acceleration 3-month minus 12-month momentum. | +2.45% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.63 |
| Gross margin TTM | +98.4% |
| 52w high | $143.60 |
| Market cap (USD) | $4.59B |
The AI research card
Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.
Summary
Alior Bank is a Polish diversified lender focused on retail, SME, and corporate banking, with a growing digital franchise and expanding deposit and mortgage book as of Q1 2026.
Rationale
Unanimous upside revisions across all timeframes (100% revision agreement, EPS revised up over 30/60/90 days) combined with a strong analyst consensus rating of 4.63/5 and 8% price target upside suggest a credible, broad-based re-rating catalyst in a bank delivering above-consensus Q1 profits.
Material risks
- 1Net profit fell 15% y/y in Q1 2026 despite beating consensus, signaling underlying earnings pressure that could stall or reverse the revision cycle if margin compression or credit costs accelerate—directly undermining the EPS upgrade thesis.
- 2High analyst target dispersion of 24.6% across only 7 covering analysts means the consensus target is fragile and a single downgrade or target cut could materially shift the signal that drives this screen.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.