Alior Bank (WAR:ALR) Cyclically Adjusted FCF per Share: zł-4.84 (As of Mar. 2026)

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WAR:ALR Alior Bank SA WAR:ALR
71 GF Score
Price zł139.50
GF Value zł97.75
Valuation Significantly Overvalued
! 8 Warning Signs
View Full Analysis

What is Alior Bank Cyclically Adjusted FCF per Share?

Alior Bank WAR:ALR -1.20% 71 Cyclically Adjusted FCF per Share is zł-4.84 as of Mar. 2026. GuruFocus rates WAR:ALR with a GF Score™ of 71/100 and a GF Value™ of zł97.75 (Significantly Overvalued). The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Alior Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was zł-4.625. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is zł-4.84 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -12.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Alior Bank was -12.40% per year. The lowest was -23.10% per year. And the median was -17.75% per year.

As of today (2026-07-16), Alior Bank's current stock price is zł139.50. Alior Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was zł-4.84. Alior Bank's Cyclically Adjusted Price-to-FCF of today is .


Alior Bank  (WAR:ALR) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Alior Bank Cyclically Adjusted FCF per Share Related Terms


Alior Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Alior Bank's Cyclically Adjusted FCF per Share 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.

Alior Bank Cyclically Adjusted FCF per Share Chart

Alior Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only -4.32 -4.55 -8.15 -8.05 -6.46

Alior Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -4.68 -7.60 -7.95 -6.46 -4.84

WAR:ALR vs JPM, BAC, WFC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Diversified subindustry, Alior Bank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Alior Bank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Alior Bank's Cyclically Adjusted Price-to-FCF falls into.


WAR:ALR
71GF Score
Alior Bank SA WAR:ALR
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Alior Bank Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Alior Bank's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-4.625/163.0700*163.0700
=-4.625

Current CPI (Mar. 2026) = 163.0700.

Alior Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -30.652 99.552 -50.209
201609 17.541 99.064 28.874
201612 -10.461 100.366 -16.996
201703 3.030 101.018 4.891
201706 6.017 101.180 9.697
201709 -4.218 101.343 -6.787
201712 -10.768 102.564 -17.120
201803 3.872 102.564 6.156
201806 -0.391 103.378 -0.617
201809 6.202 103.378 9.783
201812 -5.523 103.785 -8.678
201903 -3.192 104.274 -4.992
201906 6.285 105.983 9.670
201909 -6.064 105.983 -9.330
201912 -0.477 107.123 -0.726
202003 4.703 109.076 7.031
202006 -5.941 109.402 -8.855
202009 4.134 109.320 6.167
202012 6.520 109.565 9.704
202103 -0.571 112.658 -0.827
202106 -3.728 113.960 -5.335
202109 0.795 115.588 1.122
202112 3.600 119.088 4.930
202203 9.981 125.031 13.018
202206 -2.882 131.705 -3.568
202209 -1.890 135.531 -2.274
202212 -10.220 139.113 -11.980
202303 -1.243 145.950 -1.389
202306 -12.108 147.009 -13.431
202309 -0.371 146.113 -0.414
202312 -21.181 147.741 -23.379
202403 -7.826 149.044 -8.563
202406 -8.434 150.997 -9.108
202409 16.173 153.439 17.188
202412 -1.199 154.660 -1.264
202503 23.525 157.021 24.431
202506 1.871 157.509 1.937
202509 -16.248 158.000 -16.769
202512 23.570 158.320 24.277
202603 -4.625 163.070 -4.625

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of zł-4.84 mean?
Alior Bank (WAR:ALR) has a Cyclically Adjusted FCF per Share of zł-4.84 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Alior Bank and its competitors.
Is Alior Bank's Cyclically Adjusted FCF per Share too high?
Alior Bank's current Cyclically Adjusted FCF per Share is zł-4.84. Overall, Alior Bank has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alior Bank's Cyclically Adjusted FCF per Share compare to JPM and BAC?
Alior Bank's Cyclically Adjusted FCF per Share of zł-4.84 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Alior Bank and its competitors. Alior Bank's current Cyclically Adjusted FCF per Share is zł-4.84. 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?
Based on GuruFocus' analysis, Alior Bank (WAR:ALR) is currently considered Significantly Overvalued. The stock's GF Value™ is zł97.75, compared to a current price of zł139.50 — trading 42.7% above its estimated fair value. The current Cyclically Adjusted FCF per Share is zł-4.84. Alior Bank's overall GF Score™ is 71/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Alior Bank (WAR:ALR), the current Cyclically Adjusted FCF per Share is zł-4.84 as of Mar. 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 (WAR:ALR) Overvalued in 2026?

Based on GuruFocus' analysis, Alior Bank stock appears to be overvalued. The current stock price of zł139.50 is trading 42.7% above its estimated GF Value™ of zł97.75. GuruFocus considers Alior Bank to be Significantly Overvalued.

Key valuation signals for WAR:ALR:

  • Cyclically Adjusted FCF per Share: zł-4.84
  • GF Value™: zł97.75 vs. price of zł139.50 (42.7% above fair value)
  • GF Score™: 71/100 with 8 warning signs

No single metric tells the full story. See the WAR:ALR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Alior Bank Business Description

Other Exchanges 0QBM:UKA6O:Germany
Address ul. Lopuszanska 38D, Warsaw, POL, 02-232
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.
71GF Score

Get the complete analysis for WAR:ALR

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł139.50
Price
zł97.75
GF Value