QM · rank #18 · 2026-10-23
ALR
GPW · PLN · $4.48B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +44.34% |
|---|---|
| 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). | $4.48B |
| Anchor (recent) Close on 2026-09-23 | $140.15 |
| Anchor (far) Close on 2025-09-23 | $97.10 |
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. (ALR@GPW) is a Polish universal bank focused on retail, microbusiness, SME, mortgages, leasing, and fee-based distribution.
Rationale
The signal fits a quality-momentum setup because the stock shows positive 12-1 momentum alongside strong profitability metrics (ROE 16.8%, profit margin 36.98%) and a recent Fitch upgrade to investment grade, which supports the market re-rating.
Material risks
- 1Ongoing CJEU and consumer-credit rulings could trigger further revenue adjustments, litigation costs, or retroactive changes to loan economics, directly pressuring the quality leg of the trade.
- 2Net interest income compression from lower rates and aggressive Polish banking competition could erode margins and weaken the momentum trend if H2 earnings disappoint.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.