AU · rank #8 · 2026-10-26
ALR
GPW · PLN · $4.29B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | -1.187 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.11 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $149.86 | +16.3% |
| Momentum acceleration 3-month minus 12-month momentum. | -11.29% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.00 |
| Gross margin TTM | +98.4% |
| 52w high | $143.70 |
| Market cap (USD) | $4.29B |
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 (ALR@GPW) is a Polish diversified bank growing retail, mortgage, leasing and business lending, with H1 2026 profit helped by strong operating trends despite a CJEU-related one-off.
Rationale
The analyst_upside setup is reinforced here by 16.3% implied upside, unanimous upward revisions over 30/60/90 days, and constructive sell-side positioning with six analysts and a 100% revision agreement.
Material risks
- 1Repeat CJEU-related borrower litigation or regulatory charges could ફરી trigger one-offs and erase the earnings upside the revisions are betting on.
- 2Polish rate cuts or tighter deposit/loan competition could compress NIMs and keep NPLs above the 4.9% strategic target, limiting ROE expansion.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.