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Alior BankALORY 73 Cash-to-Debt is 1.42 as of Jun. 2026, which is 100% above its 10-year median of 0.71. GuruFocus rates ALORY with a GF Score™ of 73/100 and a GF Value™ of $10.79. The stock has 7 warning signs investors should review. Among 1,491 Banks companies, Alior Bank ranks better than 50.64% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Alior Bank's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.42.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Alior Bankcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Alior Bank's Cash-to-Debt or its related term are showing as below:
ALORY'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.26 Med: 0.71 Max: 2.87
Current: 1.42
During the past 13 years, Alior Bank's highest Cash to Debt Ratio was 2.87. The lowest was 0.26. And the median was 0.71.
ALORY's Cash-to-Debt is ranked better than 50.64% of 1491
companies
in the Banks industry
Industry Median: 1.38
vs ALORY: 1.42
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Alior Bank Cash-to-Debt Related Terms
Alior Bank Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Alior Bank's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Diversified subindustry, Alior Bank's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Alior Bank Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Alior Bank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Alior Bank's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Alior Bank (ALORY) has a Cash-to-Debt of 1.42 as of Jun. 2026. This is 100% above median its historical median of 0.71. Over the past decade, Alior Bank's Cash-to-Debt has ranged from 0.26 to 2.87. According to the industry distribution chart, Alior Bank ranks #736 out of 1491 companies in the Banks industry, placing it in the top 49.4%.
Is Alior Bank's Cash-to-Debt too high?
Alior Bank's current Cash-to-Debt of 1.42 is 100% above median its 10-year median of 0.71. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 2.87. The Banks industry median Cash-to-Debt is 1.38. Alior Bank's value of 1.42 is 2.9% above this industry median. Based on the distribution chart, Alior Bank ranks #736 out of 1491 companies in the Banks industry, which is above the industry midpoint. Overall, Alior Bank has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Alior Bank's Cash-to-Debt compare to JPM and BAC?
According to the Banks industry distribution chart, Alior Bank ranks #736 out of 1491 companies for Cash-to-Debt. This puts Alior Bank in the upper half of its industry. The industry median Cash-to-Debt is 1.38. Alior Bank's value of 1.42 is 2.9% above this benchmark. Historically, Alior Bank's own Cash-to-Debt has ranged from 0.26 to 2.87 over the past decade. While the company's 10-year median is 0.71 vs. the industry median of 1.38, Alior Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alior Bank's current Cash-to-Debt of 1.42 is 2.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alior Bank's current Cash-to-Debt is 1.42, which is 100% above median its own 10-year median of 0.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alior Bank stock overvalued right now?
Alior Bank (ALORY) has a current Cash-to-Debt of 1.42. The stock's GF Value™ is $10.79, compared to a current price of $14.74 — trading 36.6% above its estimated fair value. The current Cash-to-Debt is 1.42, which is 100% above median its 10-year median of 0.71 and 2.9% above the Banks industry median of 1.38. Alior Bank's overall GF Score™ is 73/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Alior Bank (ALORY), the current Cash-to-Debt is 1.42 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Alior Bank (ALORY) Overvalued in 2026?
Based on GuruFocus' analysis, Alior Bank stock appears to be overvalued.
The current stock price of $14.74 is trading 36.6% above its estimated GF Value™ of $10.79.
Key valuation signals for ALORY:
Cash-to-Debt: 1.42 (100% above median its 10-year median of 0.71)
GF Value™: $10.79 vs. price of $14.74 (36.6% above fair value)
Industry Position: 2.9% above the Banks median (#736 of 1491)
No single metric tells the full story. See the ALORY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Alior Bank SA is a universal lending and deposit-taking bank that provides services to a Polish customer base. Its core activities include maintaining bank accounts, granting loans and advances, issuing banking securities, and buying and selling foreign currencies. Its subsidiary group company conducts brokerage activities, consulting, financial agency services, and other financial services. Its loan and advances book is diversified across various categories, notably retail cash loans and overdrafts, housing loans and other mortgages, working capital, and investment loans. The group's operations are financed from the funds of non-financial-sector customers deposited with the bank.
73GF Score
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