AU · rank #4 · 2026-07-22
ALR
GPW · PLN · $4.76B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.905 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.16 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $144.08 | +4.3% |
| Momentum acceleration 3-month minus 12-month momentum. | +7.81% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.63 |
| Gross margin TTM | +98.4% |
| 52w high | $143.60 |
| Market cap (USD) | $4.76B |
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 focusing on high-margin consumer lending, leasing, and digital banking [RECENT_DEVELOPMENTS, COMPETITIVE_POSITION].
Rationale
Strong Q1 2026 earnings beating consensus, steadily declining NPLs, and an S&P investment-grade upgrade support the model's 100% analyst revision agreement and upward momentum [RECENT_DEVELOPMENTS, BUSINESS_STATUS].
Material risks
- 1Margin compression and net interest income sensitivity to falling Polish interest rates [TOP_RISKS].
- 2Legal and regulatory exposure to CHF mortgage litigation and "sankcja kredytu darmowego" consumer-credit disputes driving potential provisioning hikes [TOP_RISKS].
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.