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Alior BankALORY 72 Equity-to-Asset is 0.13 as of Mar. 2026, which is 44% above its 10-year median of 0.09. GuruFocus rates ALORY with a GF Score™ of 72/100 and a GF Value™ of $10.79. The stock has 8 warning signs investors should review. Among 1,525 Banks companies, Alior Bank ranks better than 78.56% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Alior Bank's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $3,510 Mil. Alior Bank's Total Assets for the quarter that ended in Mar. 2026 was $27,991 Mil.
Therefore, Alior Bank's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.13.
The historical rank and industry rank for Alior Bank's Equity-to-Asset or its related term are showing as below:
ALORY'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.09 Max: 0.13
Current: 0.13
During the past 13 years, the highest Equity to Asset Ratio of Alior Bank was 0.13. The lowest was 0.06. And the median was 0.09.
ALORY's Equity-to-Asset is ranked better than 78.56% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs ALORY: 0.13
Alior Bank (OTCPK:ALORY) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Alior Bank Equity-to-Asset Related Terms
Alior Bank Equity-to-Asset Historical Data
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The historical data trend for Alior Bank's Equity-to-Asset 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.
ALORY vs JPM, BAC, WFC: Equity-to-Asset Comparison
For the Banks - Diversified subindustry, Alior Bank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Alior Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Alior Bank's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Alior Bank's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.13 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Alior Bank and its competitors. This is 44% above median its historical median of 0.09. Over the past decade, Alior Bank's Equity-to-Asset has ranged from 0.06 to 0.13. According to the industry distribution chart, Alior Bank ranks #327 out of 1525 companies in the Banks industry, placing it in the top 21.4%.
Is Alior Bank's Equity-to-Asset too high?
Alior Bank's current Equity-to-Asset of 0.13 is 44% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. Alior Bank's value of 0.13 is 30% above this industry median. Based on the distribution chart, Alior Bank ranks #327 out of 1525 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 72/100, reflecting its overall financial health beyond just this single metric.
How does Alior Bank's Equity-to-Asset compare to JPM and BAC?
According to the Banks industry distribution chart, Alior Bank ranks #327 out of 1525 companies for Equity-to-Asset. This places Alior Bank in the top 21% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Alior Bank's value of 0.13 is 30% above this benchmark. Historically, Alior Bank's own Equity-to-Asset has ranged from 0.06 to 0.13 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alior Bank's current Equity-to-Asset of 0.13 is 30% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Alior Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alior Bank's current Equity-to-Asset is 0.13, which is 44% above median its own 10-year median of 0.09. 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 Equity-to-Asset of 0.13. 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 Equity-to-Asset is 0.13, which is 44% above median its 10-year median of 0.09 and 30% above the Banks industry median of 0.10. Alior Bank's overall GF Score™ is 72/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Alior Bank (ALORY), the current Equity-to-Asset is 0.13 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 36.6% above its estimated GF Value™ of $10.79.
Key valuation signals for ALORY:
Equity-to-Asset: 0.13 (44% above median its 10-year median of 0.09)
GF Value™: $10.79 vs. price of $14.74 (36.6% above fair value)
Industry Position: 30% above the Banks median (#327 of 1525)
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.
72GF Score
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