← Analyst Upside
AU · rank #3 · 2026-07-24
ALR
GPW · PLN · $4.59B (USD)
SignalStrong Buy8.6strength 8.6 / 10
verdict · PROCEED
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 1.002 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.16 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $144.08 | +7.8% |
| Momentum acceleration 3-month minus 12-month momentum. | +9.95% |
| 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 S.A. is a diversified Polish retail and SME bank focused on high-margin consumer lending, leasing, and digital banking services.
Rationale
Positive EPS revisions with 100% consensus agreement are backed by Alior's Q1 2026 earnings beating expectations, strong mortgage origination growth of 84% y/y, and an S&P upgrade to investment-grade BBB-.
Material risks
- 1Legal risks from legacy CHF mortgage litigation and escalating Polish consumer-credit disputes ("sankcja kredytu darmowego") could force sharp, unexpected increases in provisions.
- 2Net interest margin compression and earnings pressure stemming from domestic interest rate cuts and elevated corporate income tax.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.
OpenAI
Proceed
Claude
Caution
Gemini
Proceed