← Quality Momentum
QM · rank #14 · 2026-10-26
ALR
GPW · PLN · $4.37B (USD)
SignalSell
verdict · CAUTION
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +44.73% |
|---|---|
| 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). | $4.37B |
| Anchor (recent) Close on 2026-09-25 | $139.05 |
| Anchor (far) Close on 2025-09-26 | $96.08 |
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 diversified retail and corporate bank with strong H1 2026 lending growth, solid capital/liquidity, and high profitability.
Rationale
The signal fits a quality-momentum setup: 12-1 momentum is positive, ROE is high at 16.8%, profit margin is robust, and the bank is still delivering operating growth ahead of Q3 results.
Material risks
- 1CJEU-related consumer-loan rulings and any further legal/regulatory adjustments could cut revenue and impair the bank’s high-margin lending engine.
- 2Lower Polish interest rates and tougher bank competition could compress net interest margin, slowing earnings momentum and weakening the quality signal.
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