QM · rank #11 · 2026-07-21
ALR
GPW · PLN · $4.59B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +63.08% |
|---|---|
| ROE TTM Return on equity, trailing 12 months. | +18.9% |
| Profit margin Net profit margin, trailing 12 months. | +40.0% |
| Market cap (USD) Size filter: > $300M required (USD-equivalent). | $4.59B |
| Anchor (recent) Close on 2026-06-19 | $135.50 |
| Anchor (far) Close on 2025-06-20 | $83.09 |
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) is a Polish universal lender with ~PLN 105bn in assets, growing deposits and mortgage volumes, and strong capital ratios operating in a rate-sensitive retail and SME banking market.
Rationale
The quality-momentum signal is reinforced by a 63% trailing price return, an ROE near 19%, and a 40% profit margin that together confirm the market is rewarding genuine earnings quality rather than mere sector rotation.
Material risks
- 1Net interest margin compression (588bp → 519bp in one quarter) is the single most thesis-breaking risk, as further rate cuts could erode the NII base that underpins both the ROE and margin signals the model is rewarding.
- 2Elevated corporate income tax and Bank Guarantee Fund levies already drove a 15% YoY net profit decline despite flat gross profit, creating a structural wedge between operating performance and reported earnings that can persistently disappoint momentum followers.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.