← Quality Momentum
QM · rank #16 · 2026-10-22
ALR
GPW · PLN · $4.43B (USD)
SignalSell
verdict · CAUTION
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +47.03% |
|---|---|
| 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). | $4.43B |
| Anchor (recent) Close on 2026-09-22 | $140.85 |
| Anchor (far) Close on 2025-09-22 | $95.80 |
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 universal bank growing mortgages, leasing, deposits and fee-based distribution while pushing a digital micro/SME strategy.
Rationale
The screen is reinforced by strong quality and momentum signals—ROE of 16.8%, profit margin of 37.0%, positive 12-month momentum, improving asset quality, and Fitch’s upgrade to investment grade.
Material risks
- 1Further CJEU or consumer-credit rulings could force more revenue adjustments and litigation costs, directly pressuring earnings quality and reported profit.
- 2Lower rates and fierce pricing competition could compress net interest income and fade the recent momentum if credit costs rise again.
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