AU · rank #3 · 2026-09-08
ALR
GPW · PLN · $4.78B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.429 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/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. | -2.41% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | — |
| Gross margin TTM | +98.4% |
| 52w high | $143.70 |
| Market cap (USD) | $4.78B |
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 universal bank focusing on retail, SME, and corporate banking, with a strong emphasis on mortgages, leasing, and consumer finance.
Rationale
The positive 30-day EPS revisions and consensus buy rating are supported by robust underlying operational volume growth, including ~50% mortgage growth, which offsets a well-flagged, one-off CJEU regulatory impact that analysts have already digested.
Material risks
- 1Further adverse court or regulatory decisions regarding consumer credit interest recognition (such as CJEU rulings) that trigger unexpected, material one-off provisions.
- 2Lower net interest margins and rising operating expenses or regulatory taxes in a highly competitive Polish banking market.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.