Stock ALR ALIOR BANK S.A.
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Financials Alior Bank S.A.

Equities

ALR

PLALIOR00045

Banks

Delayed Warsaw S.E.
Other stock markets
 11:55:41 2024-05-02 am EDT 		5-day change 1st Jan Change
103.9 PLN +0.10% Intraday chart for Alior Bank S.A. +1.02% +36.10%
Apr. 26 Alior Bank S.A. Declares First Dividend for 2023, Payable on May 24, 2024 CI
Apr. 26 Transcript : Alior Bank S.A. - Shareholder/Analyst Call

Valuation

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Capitalization 1 3,744 2,216 7,141 4,474 13,565 - -
Enterprise Value (EV) 1 3,744 2,216 7,141 4,474 13,565 13,565 13,565
P/E ratio 14.9 x -7.13 x 14.8 x 6.55 x 7.14 x 7.73 x 8.17 x
Yield - - - - 4.02% 6.07% 6%
Capitalization / Revenue 0.97 x 0.64 x 1.96 x 1.02 x 2.23 x 2.27 x 2.22 x
EV / Revenue 0.97 x 0.64 x 1.96 x 1.02 x 2.23 x 2.27 x 2.22 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 0.55 x 0.34 x 1.21 x 0.73 x 1.24 x 1.13 x 1.08 x
Nbr of stocks (in thousands) 130,554 130,554 130,554 130,554 130,554 - -
Reference price 2 28.68 16.97 54.70 34.27 103.9 103.9 103.9
Announcement Date 2/28/20 2/26/21 3/1/22 3/2/23 - - -
1PLN in Million2PLN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net sales 1 3,848 3,485 3,637 4,382 6,084 5,986 6,108
EBITDA - - - - - - -
EBIT 1 2,218 1,820 2,055 2,384 3,806 3,564 3,513
Operating Margin 57.64% 52.22% 56.49% 54.41% 62.55% 59.55% 57.52%
Earnings before Tax (EBT) 1 495.3 -206.5 779.2 1,036 3,053 2,741 2,585
Net income 1 252.8 -311.2 481.9 683.1 2,158 1,819 1,720
Net margin 6.57% -8.93% 13.25% 15.59% 35.48% 30.39% 28.15%
EPS 2 1.930 -2.380 3.690 5.230 14.55 13.45 12.71
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - - - - 4.182 6.308 6.235
Announcement Date 2/28/20 2/26/21 3/1/22 3/2/23 - - -
1PLN in Million2PLN
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2024 Q1
Net sales 1 1,046 1,093 1,200 2,651 788.3 1,322 1,330 1,385 2,715 1,392 1,498
EBITDA - - - - - - - - - - -
EBIT 1 654.7 600.2 608.3 1,567 525.5 865.4 822.8 895.5 1,718 1,237 953.1
Operating Margin 62.58% 54.9% 50.7% 59.09% 66.66% 65.46% 61.88% 64.65% 63.29% 88.89% 63.61%
Earnings before Tax (EBT) 1 205.7 273.4 301.9 - -35.7 496.5 508.9 677.5 1,186 740.3 768.8
Net income 1 99.64 169.2 216.2 385.4 -62.56 360.3 365.8 506.1 871.9 571.6 578.1
Net margin 9.52% 15.48% 18.02% 14.54% -7.94% 27.25% 27.51% 36.54% 32.12% 41.07% 38.58%
EPS - - 1.660 - -0.4800 2.760 - - - - -
Dividend per Share - - - - - - - - - - -
Announcement Date 3/1/22 4/26/22 8/2/22 8/2/22 11/3/22 3/2/23 4/25/23 8/1/23 8/1/23 10/25/23 4/24/24
1PLN in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 3.8% -4.68% 7.72% 11.3% 21.6% 16.3% 14%
ROA (Net income/ Total Assets) 0.34% -0.4% 0.6% 0.82% 2.11% 1.81% 1.6%
Assets 1 75,069 77,683 80,846 82,961 102,299 100,646 107,304
Book Value Per Share 2 51.80 50.20 45.30 47.30 83.80 91.80 96.10
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 2/28/20 2/26/21 3/1/22 3/2/23 - - -
1PLN in Million2PLN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Alior Bank S.A.

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
8
Last Close Price
103.9 PLN
Average target price
90.04 PLN
Spread / Average Target
-13.34%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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