Alior Bank S.A.
Alior Bank S.A. Fundamental Analysis
Alior Bank S.A. (ALORY) shows strong financial fundamentals with a PE ratio of 6.02, profit margin of 31.76%, and ROE of 19.63%. The company generates $14.4B in annual revenue with moderate year-over-year growth of 6.47%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 71.8/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze ALORY's fundamental strength across five key dimensions:
Efficiency Score
WeakALORY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentALORY trades at attractive valuation levels.
Growth Score
ExcellentALORY delivers strong and consistent growth momentum.
Financial Health Score
ModerateALORY shows balanced financial health with some risks.
Profitability Score
ExcellentALORY achieves industry-leading margins.
Key Financial Metrics
Is ALORY Expensive or Cheap?
P/E Ratio
ALORY trades at 6.02 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, ALORY's PEG of -0.38 indicates potential undervaluation.
Price to Book
The market values Alior Bank S.A. at 1.13 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 15.54 times EBITDA. This signals the market has high growth expectations.
How Well Does ALORY Make Money?
Net Profit Margin
For every $100 in sales, Alior Bank S.A. keeps $31.76 as profit after all expenses.
Operating Margin
Core operations generate 47.14 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $19.63 in profit for every $100 of shareholder equity.
ROA
Alior Bank S.A. generates $2.34 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Alior Bank S.A. generates strong operating cash flow of $4.61B, reflecting robust business health.
Free Cash Flow
Alior Bank S.A. generates strong free cash flow of $4.31B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $8.26 in free cash annually.
FCF Yield
ALORY converts 7.82% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.02
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.38
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.13
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.82
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.17
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.20
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How ALORY Stacks Against Its Sector Peers
| Metric | ALORY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.02 | 18.86 | Better (Cheaper) |
| ROE | 19.63% | 847.00% | Weak |
| Net Margin | 31.76% | 4202.00% | Weak |
| Debt/Equity | 0.17 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 667.17 | Weak Liquidity |
| ROA | 2.34% | -21543.00% (disorted) | Weak |
ALORY outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Alior Bank S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
50.77%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
884.78%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-83.87%
Industry Style: Value, Dividend, Cyclical
Declining