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Alior BankALORY 71 Debt-to-Equity is 0.20 as of Mar. 2026, which is 57% below its 10-year median of 0.47. GuruFocus rates ALORY with a GF Score™ of 71/100 and a GF Value™ of $10.18. The stock has 8 warning signs investors should review. Among 1,423 Banks companies, Alior Bank ranks better than 76.53% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Alior Bank's Debt-to-Equity or its related term are showing as below:
ALORY'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.17 Med: 0.47 Max: 0.89
Current: 0.2
During the past 13 years, the highest Debt-to-Equity Ratio of Alior Bank was 0.89. The lowest was 0.17. And the median was 0.47.
ALORY's Debt-to-Equity is ranked better than 76.53% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs ALORY: 0.20
Alior Bank (OTCPK:ALORY) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Alior Bank Debt-to-Equity Related Terms
Alior Bank Debt-to-Equity Historical Data
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The historical data trend for Alior Bank's Debt-to-Equity 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.
For the Banks - Diversified subindustry, Alior Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Alior Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Alior Bank's Debt-to-Equity 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 Debt-to-Equity of 0.20 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Alior Bank and its competitors. This is 57% below median its historical median of 0.47. Over the past decade, Alior Bank's Debt-to-Equity has ranged from 0.17 to 0.89. According to the industry distribution chart, Alior Bank ranks #334 out of 1423 companies in the Banks industry, placing it in the top 23.5%.
Is Alior Bank's Debt-to-Equity too high?
Alior Bank's current Debt-to-Equity of 0.20 is 57% below median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.89. The Banks industry median Debt-to-Equity is 0.56. Alior Bank's value of 0.20 is 64.3% below this industry median. Based on the distribution chart, Alior Bank ranks #334 out of 1423 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Alior Bank has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Alior Bank's Debt-to-Equity compare to JPM and BAC?
According to the Banks industry distribution chart, Alior Bank ranks #334 out of 1423 companies for Debt-to-Equity. This places Alior Bank in the top 24% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Alior Bank's value of 0.20 is 64.3% below this benchmark. Historically, Alior Bank's own Debt-to-Equity has ranged from 0.17 to 0.89 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 0.56, Alior Bank has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alior Bank's current Debt-to-Equity of 0.20 is 64.3% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Alior Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alior Bank's current Debt-to-Equity is 0.20, which is 57% below median its own 10-year median of 0.47. 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 Debt-to-Equity of 0.20. The stock's GF Value™ is $10.18, compared to a current price of $14.74 — trading 44.8% above its estimated fair value. The current Debt-to-Equity is 0.20, which is 57% below median its 10-year median of 0.47 and 64.3% below the Banks industry median of 0.56. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Alior Bank (ALORY), the current Debt-to-Equity is 0.20 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 (ALORY) Overvalued in 2026?
Based on GuruFocus' analysis, Alior Bank stock appears to be overvalued.
The current stock price of $14.74 is trading 44.8% above its estimated GF Value™ of $10.18.
Key valuation signals for ALORY:
Debt-to-Equity: 0.20 (57% below median its 10-year median of 0.47)
GF Value™: $10.18 vs. price of $14.74 (44.8% above fair value)
Industry Position: 64.3% below the Banks median (#334 of 1423)
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.
71GF Score
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