AU · rank #6 · 2026-10-22
ALR
GPW · PLN · $4.48B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | -0.920 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.11 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $151.71 | +14.1% |
| Momentum acceleration 3-month minus 12-month momentum. | -8.25% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.00 |
| Gross margin TTM | +98.4% |
| 52w high | $143.70 |
| Market cap (USD) | $4.48B |
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. (ALR@GPW) is a Polish universal bank with retail, SME and corporate franchises, a growing digital channel mix, and a meaningful PZU shareholder anchor.
Rationale
The screen is reinforced by broad-based analyst revision momentum (100% agreement, net upgrades, 14.1% upside, 6 analysts) alongside the Fitch upgrade to BBB-/F3, suggesting improving credit perception and room for re-rating if Q3 normalizes after the CJEU hit.
Material risks
- 1The CJEU-related consumer-loan accounting burden can keep net interest income and reported earnings suppressed, risking further downward revisions if the Q3 update shows more legal or margin drag.
- 2Margin compression and higher credit costs could offset loan, leasing and deposit growth, while October governance changes add execution noise ahead of the next earnings test.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.