Alior Bank (WAR:ALR) Moat Score: 0/10 (As of Jul. 03, 2026)


WAR:ALR Alior Bank SA WAR:ALR
72 GF Score
Price zł133.90
GF Value zł97.89
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Alior Bank Moat Score?

Alior Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Alior Bank has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Alior Bank might have No Moat - No discernible moat.

Alior Bank  (WAR:ALR) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Alior Bank Moat Score Related Terms

WAR:ALR
72GF Score
Alior Bank SA WAR:ALR
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Alior Bank (WAR:ALR) Overvalued in 2026?

Based on GuruFocus' analysis, Alior Bank stock appears to be overvalued. The current stock price of zł133.90 is trading 36.8% above its estimated GF Value™ of zł97.89. GuruFocus considers Alior Bank to be Significantly Overvalued.

Key valuation signals for WAR:ALR:

  • Moat Score: 0
  • GF Value™: zł97.89 vs. price of zł133.90 (36.8% above fair value)
  • GF Score™: 72/100 with 8 warning signs

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

Alior Bank Business Description

Other Exchanges 0QBM:UKA6O: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.
72GF Score

Get the complete analysis for WAR:ALR

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

zł133.90
Price
zł97.89
GF Value