ALORY (Alior Bank) LT-Debt-to-Total-Asset: 0.03 (As of Mar. 2026)


ALORY Alior Bank SA ALORY
72 GF Score
Price $14.74
GF Value $10.66
! 7 Warning Signs
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What is Alior Bank LT-Debt-to-Total-Asset?

Alior Bank ALORY 72 LT-Debt-to-Total-Asset is 0.03 as of Mar. 2026. GuruFocus rates ALORY with a GF Score™ of 72/100 and a GF Value™ of $10.66. The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Alior Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.03.

Alior Bank's long-term debt to total assets ratio increased from Mar. 2025 (0.02) to Mar. 2026 (0.03). It may suggest that Alior Bank is progressively becoming more dependent on debt to grow their business.

Alior Bank  (OTCPK:ALORY) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Alior Bank LT-Debt-to-Total-Asset Related Terms

Alior Bank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Alior Bank's LT-Debt-to-Total-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.

Alior Bank LT-Debt-to-Total-Asset Chart

Alior Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.03 0.04 0.03 0.03

Alior Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset 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 0.02 0.02 0.02 0.03 0.03
ALORY
72GF Score
Alior Bank SA ALORY
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Alior Bank LT-Debt-to-Total-Asset Calculation

Alior Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=719.695/27696.743
=0.03

Alior Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=726.802/28497.695
=0.03

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.03 mean?
Alior Bank (ALORY) has a LT-Debt-to-Total-Asset of 0.03 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Alior Bank and its competitors.
Is Alior Bank's LT-Debt-to-Total-Asset too high?
Alior Bank's current LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset compare to JPM and BAC?
Alior Bank's LT-Debt-to-Total-Asset of 0.03 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Alior Bank and its competitors. Alior Bank's current LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset of 0.03. 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 LT-Debt-to-Total-Asset is 0.03. Alior Bank's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Alior Bank (ALORY), the current LT-Debt-to-Total-Asset is 0.03 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:

  • LT-Debt-to-Total-Asset: 0.03
  • GF Value™: $10.66 vs. price of $14.74 (38.3% above fair value)
  • GF Score™: 72/100 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.
72GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.74
Price
$10.66
GF Value