ALORY (Alior Bank) E10: $1.19 (As of Mar. 2026)


ALORY Alior Bank SA ALORY
73 GF Score
Price $14.74
GF Value $10.66
! 7 Warning Signs
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What is Alior Bank E10?

Alior Bank ALORY 73 E10 is $1.19 as of Mar. 2026. GuruFocus rates ALORY with a GF Score™ of 73/100 and a GF Value™ of $10.66. The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Alior Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.420. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.19 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Alior Bank's average E10 Growth Rate was 15.70% per year. During the past 3 years, the average E10 Growth Rate was 25.60% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Alior Bank was 28.20% per year. The lowest was 25.60% per year. And the median was 26.90% per year.

As of today (2026-06-24), Alior Bank's current stock price is $14.74. Alior Bank's E10 for the quarter that ended in Mar. 2026 was $1.19. Alior Bank's Shiller PE Ratio of today is 12.39.

During the past 13 years, the highest Shiller PE Ratio of Alior Bank was 19.10. The lowest was 5.97. And the median was 12.66.


Alior Bank  (OTCPK:ALORY) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Alior Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=14.74/1.19
=12.39

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Alior Bank was 19.10. The lowest was 5.97. And the median was 12.66.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Alior Bank E10 Related Terms


Alior Bank E10 Historical Data

* Premium members only.

The historical data trend for Alior Bank's E10 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 E10 Chart

Alior Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.40 0.27 0.16 1.03 1.18

Alior Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.78 1.03 1.19 1.18 1.19

ALORY vs JPM, BAC, WFC: E10 Comparison

For the Banks - Diversified subindustry, Alior Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Alior Bank's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Alior Bank's Shiller PE Ratio falls into.


ALORY
73GF Score
Alior Bank SA ALORY
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Alior Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.42/158.3232*158.3232
=0.420

Current CPI (Mar. 2026) = 158.3232.

Alior Bank Quarterly Data

per share eps CPI Adj_EPS
201606 0.144 99.552 0.229
201609 0.090 99.064 0.144
201612 0.393 100.366 0.620
201703 0.086 101.018 0.135
201706 0.103 101.180 0.161
201709 0.184 101.343 0.287
201712 0.136 102.564 0.210
201803 0.163 102.564 0.252
201806 0.207 103.378 0.317
201809 0.182 103.378 0.279
201812 0.189 103.785 0.288
201903 0.107 104.274 0.162
201906 -0.010 105.983 -0.015
201909 0.147 105.983 0.220
201912 0.012 107.123 0.018
202003 0.075 109.076 0.109
202006 -0.607 109.402 -0.878
202009 0.084 109.320 0.122
202012 0.125 109.565 0.181
202103 0.113 112.658 0.159
202106 0.129 113.960 0.179
202109 0.156 115.588 0.214
202112 0.103 119.088 0.137
202203 0.177 125.031 0.224
202206 0.226 131.705 0.272
202209 -0.065 135.531 -0.076
202212 0.376 139.113 0.428
202303 0.381 145.950 0.413
202306 0.528 147.009 0.569
202309 0.596 146.113 0.646
202312 0.611 147.741 0.655
202403 0.603 149.044 0.641
202406 0.611 150.997 0.641
202409 0.694 153.439 0.716
202412 0.641 154.660 0.656
202503 0.497 157.021 0.501
202506 0.667 157.509 0.670
202509 0.586 157.998 0.587
202512 0.717 158.323 0.717
202603 0.420 158.323 0.420

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $1.19 mean?
Alior Bank (ALORY) has a E10 of $1.19 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Alior Bank and its competitors.
Is Alior Bank's E10 too high?
Alior Bank's current E10 is $1.19. 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 E10 compare to JPM and BAC?
Alior Bank's E10 of $1.19 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Alior Bank and its competitors. Alior Bank's current E10 is $1.19. 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 E10 of $1.19. The stock's GF Value™ is $10.66, compared to a current price of $14.74 — trading 38.3% above its estimated fair value. The current E10 is $1.19. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Alior Bank (ALORY), the current E10 is $1.19 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 38.3% above its estimated GF Value™ of $10.66.

Key valuation signals for ALORY:

  • E10: $1.19
  • GF Value™: $10.66 vs. price of $14.74 (38.3% above fair value)
  • GF Score™: 73/100 with 7 warning signs

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 Business Description

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.
73GF Score

Get the complete analysis for ALORY

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.74
Price
$10.66
GF Value