Alior Bank (LTS:0QBM) E10: zł6.44 (As of Mar. 2026)


LTS:0QBM Alior Bank SA LTS:0QBM
74 GF Score
Price zł79.50
GF Value zł70.33
Valuation Modestly Overvalued
! 8 Warning Signs
View Full Analysis

What is Alior Bank E10?

Alior Bank LTS:0QBM 74 E10 is zł6.44 as of Mar. 2026. GuruFocus rates LTS:0QBM with a GF Score™ of 74/100 and a GF Value™ of zł70.33 (Modestly 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 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 zł3.090. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is zł6.44 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 (2026-07-03), Alior Bank's current stock price is zł79.50. Alior Bank's E10 for the quarter that ended in Mar. 2026 was zł6.44. Alior Bank's Shiller PE Ratio of today is 12.34.

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 12.67.


Alior Bank  (LTS:0QBM) 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
=79.50/6.44
=12.34

* 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 12.67.


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 5.13 10.32 6.04 6.87 6.34

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 5.15 6.78 6.45 6.34 6.44

LTS:0QBM 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.


LTS:0QBM
74GF Score
Alior Bank SA LTS:0QBM
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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)
=3.09/163.0700*163.0700
=3.090

Current CPI (Mar. 2026) = 163.0700.

Alior Bank Quarterly Data

per share eps CPI Adj_EPS
201606 1.060 99.552 1.736
201609 0.660 99.064 1.086
201612 2.890 100.366 4.696
201703 0.630 101.018 1.017
201706 0.760 101.180 1.225
201709 1.350 101.343 2.172
201712 1.000 102.564 1.590
201803 1.200 102.564 1.908
201806 1.520 103.378 2.398
201809 1.340 103.378 2.114
201812 1.390 103.785 2.184
201903 0.790 104.274 1.235
201906 -0.070 105.983 -0.108
201909 1.080 105.983 1.662
201912 0.090 107.123 0.137
202003 0.550 109.076 0.822
202006 -4.460 109.402 -6.648
202009 0.620 109.320 0.925
202012 0.920 109.565 1.369
202103 0.830 112.658 1.201
202106 0.950 113.960 1.359
202109 1.150 115.588 1.622
202112 0.760 119.088 1.041
202203 1.300 125.031 1.696
202206 1.660 131.705 2.055
202209 -0.480 135.531 -0.578
202212 2.760 139.113 3.235
202303 2.800 145.950 3.128
202306 3.880 147.009 4.304
202309 4.380 146.113 4.888
202312 4.490 147.741 4.956
202403 4.430 149.044 4.847
202406 4.490 150.997 4.849
202409 5.100 153.439 5.420
202412 4.710 154.660 4.966
202503 3.650 157.021 3.791
202506 4.900 157.509 5.073
202509 4.310 158.000 4.448
202512 5.270 158.320 5.428
202603 3.090 163.070 3.090

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 zł6.44 mean?
Alior Bank (LTS:0QBM) has a E10 of zł6.44 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 zł6.44. Overall, Alior Bank has a GF Score™ of 74/100 and is considered Modestly Overvalued, 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 zł6.44 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 zł6.44. 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 (LTS:0QBM) is currently considered Modestly Overvalued. The stock's GF Value™ is zł70.33, compared to a current price of zł79.50 — trading 13% above its estimated fair value. The current E10 is zł6.44. Alior Bank's overall GF Score™ is 74/100 with 8 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 (LTS:0QBM), the current E10 is zł6.44 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 (LTS:0QBM) Overvalued in 2026?

Based on GuruFocus' analysis, Alior Bank stock appears to be overvalued. The current stock price of zł79.50 is trading 13% above its estimated GF Value™ of zł70.33. GuruFocus considers Alior Bank to be Modestly Overvalued.

Key valuation signals for LTS:0QBM:

  • E10: zł6.44
  • GF Value™: zł70.33 vs. price of zł79.50 (13% above fair value)
  • GF Score™: 74/100 with 8 warning signs

No single metric tells the full story. See the LTS:0QBM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Alior Bank Business Description

Other Exchanges ALR:PolandA6O: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.
74GF Score

Get the complete analysis for LTS:0QBM

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

zł79.50
Price
zł70.33
GF Value