ALORY (Alior Bank) Margin of Safety % (DCF FCF Based): -121.32% (As of Jun. 24, 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 Margin of Safety % (DCF FCF Based)?

Alior Bank ALORY 73 Margin of Safety % (DCF FCF Based) is -121.32% as of Jun. 24, 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.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), Alior Bank's Predictability Rank is 2.5-Stars. Alior Bank's intrinsic value calculated from the Discounted FCF model is $69.78 and current share price is $14.74. Consequently,

Alior Bank's Margin of Safety % (DCF FCF Based) using Discounted FCF model is -121.32%.

ALORY vs JPM, BAC, WFC: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Diversified subindustry, Alior Bank's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Alior Bank's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Alior Bank's Margin of Safety % (DCF FCF Based) falls into.


ALORY
73GF Score
Alior Bank SA ALORY
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Alior Bank Margin of Safety % (DCF FCF Based) Calculation

Alior Bank's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(6.66-14.74)/6.66
=-121.32 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of -121.32% mean?
Alior Bank (ALORY) has a Margin of Safety % (DCF FCF Based) of -121.32% as of Jun. 24, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Alior Bank.
Is Alior Bank's Margin of Safety % (DCF FCF Based) too high?
Alior Bank's current Margin of Safety % (DCF FCF Based) is -121.32%. 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 Margin of Safety % (DCF FCF Based) compare to JPM and BAC?
Alior Bank's Margin of Safety % (DCF FCF Based) of -121.32% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Alior Bank. Alior Bank's current Margin of Safety % (DCF FCF Based) is -121.32%. 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 Margin of Safety % (DCF FCF Based) of -121.32%. 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 Margin of Safety % (DCF FCF Based) is -121.32%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Alior Bank (ALORY), the current Margin of Safety % (DCF FCF Based) is -121.32% as of Jun. 24, 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:

  • Margin of Safety % (DCF FCF Based): -121.32%
  • 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

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Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.74
Price
$10.66
GF Value