QM · rank #12 · 2026-07-22
ALR
GPW · PLN · $4.74B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +61.09% |
|---|---|
| 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). | $4.74B |
| Anchor (recent) Close on 2026-06-22 | $133.85 |
| 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 retail deposits and mortgage volumes, and strong capital ratios operating in a rate-sensitive domestic banking market.
Rationale
The combination of 61% trailing momentum, 18.9% ROE, and 40% profit margins confirms the quality-momentum screen is capturing a genuinely profitable, re-rating Polish bank whose Q1 2026 beat on net interest income and costs validates the earnings quality signal.
Material risks
- 1Net interest margin compression from 588bp to 519bp year-on-year is already materializing and, if Polish rate cuts accelerate, could erode the NII base that underpins the ROE and profit-margin signals driving this screen.
- 2The 15% year-on-year net profit decline driven by higher corporate income tax and Bank Guarantee Fund levies represents a structural tax drag that could persistently cap the ROE improvement the momentum thesis requires.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.