AU · rank #4 · 2026-07-21
ALR
GPW · PLN · $4.74B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.810 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.16 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $144.08 | +4.4% |
| Momentum acceleration 3-month minus 12-month momentum. | +6.24% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.63 |
| Gross margin TTM | +98.4% |
| 52w high | $143.60 |
| Market cap (USD) | $4.74B |
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 S.A. operates as a diversified Polish retail and SME bank focused on high-margin consumer lending, mortgages, and digital banking platforms.
Rationale
The 100% positive analyst revision agreement is validated by Alior's Q1 2026 net profit beating market consensus, robust mortgage origination growth (+84% y/y), and its recent rating upgrade to investment-grade BBB- [RECENT_DEVELOPMENTS, BUSINESS_STATUS].
Material risks
- 1Legal and regulatory litigation stemming from CHF mortgages and a rising volume of "sankcja kredytu darmowego" consumer-credit disputes, which could force substantial provisioning [TOP_RISKS].
- 2Net interest margin compression and earnings pressure from further Polish interest-rate declines and elevated corporate income tax rates [TOP_RISKS].
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.