ALORY (Alior Bank) Net Income: $606 Mil (TTM As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ALORY Alior Bank SA ALORY
72 GF Score
Price $14.74
GF Value $10.18
! 8 Warning Signs
View Full Analysis

What is Alior Bank Net Income?

Alior Bank ALORY 72 Net Income is $606 Mil as of Mar. 2026. GuruFocus rates ALORY with a GF Score™ of 72/100 and a GF Value™ of $10.18. The stock has 8 warning signs investors should review.

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Alior Bank's Net Income for the three months ended in Mar. 2026 was $107 Mil. Its Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was $606 Mil.

Net Income is linked to the most popular Earnings per Share (Diluted) number. Alior Bank's Earnings per Share (Diluted) for the three months ended in Mar. 2026 was $0.41.


Alior Bank  (OTCPK:ALORY) Net Income Explanation

Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:

Alior Bank's Earnings per Share (Diluted) (EPS) for the quarter that ended in Mar. 2026 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.

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

EPS is most useful for companies that have:

A predictable business
Consistent accounting methods
And few restructurings

The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.


Be Aware

Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.

Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.

If net earnings is less than 10%, likely to be in a highly competitive business.


Alior Bank Net Income Related Terms


Alior Bank Net Income Historical Data

* Premium members only.

The historical data trend for Alior Bank's Net Income 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 Net Income Chart

Alior Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 127.41 180.61 536.74 646.43 625.81

Alior Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Income 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 125.93 169.27 148.80 181.82 106.60
ALORY
72GF Score
Alior Bank SA ALORY
Net Income is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Alior Bank Net Income Calculation

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.

Net Income
= Revenue - Cost of Goods Sold - Selling, General, & Admin. Expense - Research & Development - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= EBITDA - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Operating Income - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Pre-Tax Income - Tax Expense + Others

Alior Bank's Net Income for the fiscal year that ended in Dec. 2025 is calculated as

Net Income(A: Dec. 2025 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=776.342+-150.527+0+-0.00100000000009
=626

Alior Bank's Net Income for the quarter that ended in Mar. 2026 is calculated as

Net Income(Q: Mar. 2026 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=169.398+-62.802+0+0.00099999999999056
=107

Net Income for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $606 Mil.

* 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 Net Income →
What does a Net Income of $606 Mil mean?
Alior Bank (ALORY) has a Net Income of $606 Mil as of Mar. 2026. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Alior Bank and its competitors.
Is Alior Bank's Net Income too high?
Alior Bank's current Net Income is $606 Mil. 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 Net Income compare to JPM and BAC?
Alior Bank's Net Income of $606 Mil 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 Net Income for a Banks company?
A good Net Income depends on the Banks industry context. However, Net Income 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 Net Income mean?
A high Net Income can signal that a stock is expensive relative to its fundamentals. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Alior Bank and its competitors. Alior Bank's current Net Income is $606 Mil. 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 Net Income of $606 Mil. The stock's GF Value™ is $10.18, compared to a current price of $14.74 — trading 44.8% above its estimated fair value. The current Net Income is $606 Mil. 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 Net Income calculated?
Net Income is calculated from a company's financial statements. For Alior Bank (ALORY), the current Net Income is $606 Mil 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 44.8% above its estimated GF Value™ of $10.18.

Key valuation signals for ALORY:

  • Net Income: $606 Mil
  • GF Value™: $10.18 vs. price of $14.74 (44.8% above fair value)
  • GF Score™: 72/100 with 8 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

Get the complete analysis for ALORY

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

$14.74
Price
$10.18
GF Value