AU · rank #4 · 2026-09-07
ALR
GPW · PLN · $4.77B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.168 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.42 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $146.89 | +8.3% |
| Momentum acceleration 3-month minus 12-month momentum. | -4.17% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.00 |
| Gross margin TTM | +98.4% |
| 52w high | $143.70 |
| Market cap (USD) | $4.77B |
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 lender with a strong focus on retail, SME, and corporate banking segments, backed by robust mortgage and leasing franchises.
Rationale
The maximum net revision signal of 1.0000 and positive 30-day EPS adjustments are justified by strong core volume growth, with Q2 results in line with consensus proving that the market has digested the CJEU-related interest model drag.
Material risks
- 1Ongoing or future adverse CJEU and domestic regulatory rulings on interest recognition models that trigger additional unexpected provisioning charges and asset corrections.
- 2Compression of net interest margins and escalating domestic operating costs or banking taxes in Poland that degrade the bank's return on equity.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.