QM · rank #19 · 2026-10-21

ALR

GPW · PLN · $4.47B (USD)

SignalSell

verdict · CAUTION

The exact numbers the algorithm saw.

Factor scores and the inputs behind this pick.
Momentum 12-1 Return from 12 months ago to 1 month ago.	+43.24%
ROE TTM Return on equity, trailing 12 months.	+16.8%
Profit margin Net profit margin, trailing 12 months.	+37.0%
Market cap (USD) Size filter: > $300M required (USD-equivalent).	$4.47B
Anchor (recent) Close on 2026-09-21	$139.75
Anchor (far) Close on 2025-09-19	$97.56

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 with growing mortgages, leasing, deposits, and digital retail/SME distribution, backed by strong capital and improving asset quality.

Rationale

The signal is supported by a solid quality profile (ROE 16.8%, high margin) plus positive 12-month momentum, and Fitch’s investment-grade upgrade reinforces the market’s improving view.

Material risks

1Further CJEU or consumer-credit rulings could force additional revenue adjustments or litigation costs and erode the earnings base.
2Lower rates and aggressive pricing competition could compress net interest income and weaken the quality/momentum setup before the next earnings release.

AI verdict council

Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.

OpenAI

Proceed

Claude

Caution

Gemini

Caution