← Analyst Upside
AU · rank #5 · 2026-09-10
ALR
GPW · PLN · $4.81B (USD)
SignalHold
verdict · CAUTION
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.124 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.42 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $146.89 | +7.6% |
| Momentum acceleration 3-month minus 12-month momentum. | -9.10% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | — |
| Gross margin TTM | +98.4% |
| 52w high | $143.70 |
| Market cap (USD) | $4.81B |
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 universal bank focusing on retail and SME segments with expanding mortgage and leasing portfolios.
Rationale
Perfect 30-day net revisions (1.00) and positive rating momentum (-0.2857) are supported by robust core retail growth and Q2 profitability that met consensus despite a known CJEU interest-model correction.
Material risks
- 1Additional negative court or regulatory rulings on Polish consumer credit interest recognition that trigger further material one-off losses.
- 2Severe net interest margin compression and rising tax or operational costs in a highly competitive Polish banking landscape.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.
OpenAI
Caution
Gemini
Proceed
Claude
Caution