QM · rank #11 · 2026-07-27
ALR
GPW · PLN · $4.59B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +53.79% |
|---|---|
| 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 2026-06-26 | $132.55 |
| Anchor (far) Close on 2025-06-27 | $86.19 |
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. is a Polish universal bank providing retail, business, and treasury financial services supported by a strong relationship-based distribution network and PZU Group backing.
Rationale
A high TTM ROE of 18.85% and 40% profit margins validate the quality score, while 53.8% price momentum is supported by robust Q1 2026 mortgage sales growth (+84% y/y) and an S&P investment-grade rating upgrade.
Material risks
- 1Accelerating net interest margin compression and a scheduled PLN 96.5 million negative interest-income adjustment in Q2 2026 present immediate headwinds to profitability.
- 2Legal exposure and provisioning pressure from legacy foreign-currency mortgage disputes totaling PLN 253 million across 321 outstanding court cases.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.