AU · rank #7 · 2026-10-20
ALR
GPW · PLN · $4.47B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | -0.951 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.11 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $151.71 | +13.9% |
| Momentum acceleration 3-month minus 12-month momentum. | -11.78% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.00 |
| Gross margin TTM | +98.4% |
| 52w high | $143.70 |
| Market cap (USD) | $4.47B |
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
ALR@GPW (Alior Bank) is a Polish universal bank serving retail, SME and corporate clients with a growing digital distribution base and PZU as a major shareholder.
Rationale
The setup fits an analyst-upside trade because analyst estimates are moving up in lockstep (100% revision agreement, positive EPS revisions, 13.9% target upside) and Fitch’s upgrade to BBB-/F3 supports the re-rating.
Material risks
- 1The biggest thesis risk is the CJEU-related consumer-loan adjustment, which already hit H1 2026 net interest income and could force further earnings or capital charges.
- 2The October 27 Q3 print is the next key test, and any continued margin compression or credit-cost increase would undermine the current upgrade/revision story.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.