← Analyst Upside
AU · rank #6 · 2026-09-11
ALR
GPW · PLN · $4.71B (USD)
SignalStrong Buy3.1strength 3.1 / 10
verdict · PROCEED
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | -0.109 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.42 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $146.89 | +9.1% |
| Momentum acceleration 3-month minus 12-month momentum. | -8.94% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | — |
| Gross margin TTM | +98.4% |
| 52w high | $143.70 |
| Market cap (USD) | $4.71B |
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 Polish universal bank specializing in retail and SME lending with a rapidly expanding loan and deposit book.
Rationale
Strong double-digit growth in core mortgage and leasing segments validates the 100% positive 30-day analyst EPS revisions and 9.1% target upside.
Material risks
- 1Regulatory and judicial interventions on interest income, such as the PLN 153 million CJEU-related one-off that cut Q2 2026 net profit by 43%.
- 2Elevated credit provisions and financial impacts from the settlement of series T bonds.
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