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Alior BankALORY 76 Net Margin % is 25.40% as of Jun. 2026, which is 56% above its 10-year median of 16.27. GuruFocus rates ALORY with a GF Score™ of 76/100 and a GF Value™ of $10.81. The stock has 7 warning signs investors should review. Among 1,525 Banks companies, Alior Bank ranks better than 69.77% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Alior Bank's Net Income for the
three
months ended in Jun. 2026 was $99 Mil. Alior Bank's Revenue for the
three
months ended in Jun. 2026 was $388 Mil. Therefore, Alior Bank's net margin for the quarter that ended in Jun. 2026 was 25.40%.
The historical rank and industry rank for Alior Bank's Net Margin % or its related term are showing as below:
ALORY'
s Net Margin % Range Over the Past 10 Years
Min: -8.25 Med: 16.27 Max: 39.33
Current: 33.15
ALORY's Net Margin % is ranked better than 69.77% of 1525
companies
in the Banks industry
Industry Median: 27.1
vs ALORY: 33.15
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.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Alior Bank Net Margin % Related Terms
Alior Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Alior Bank's Net Margin % 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.
For the Banks - Diversified subindustry, Alior Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Alior Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Alior Bank's Net Margin % falls into.
* 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 Net Margin % of 25.40% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Alior Bank and its competitors. This is 56% above median its historical median of 16.27. According to the industry distribution chart, Alior Bank ranks #461 out of 1525 companies in the Banks industry, placing it in the top 30.2%.
Is Alior Bank's Net Margin % too high?
Alior Bank's current Net Margin % of 25.40% is 56% above median its 10-year median of 16.27. The Banks industry median Net Margin % is 27.10. Alior Bank's value of 25.40% is 6.3% below this industry median. Based on the distribution chart, Alior Bank ranks #461 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Alior Bank has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does Alior Bank's Net Margin % compare to JPM and BAC?
According to the Banks industry distribution chart, Alior Bank ranks #461 out of 1525 companies for Net Margin %. This puts Alior Bank in the upper half of its industry. The industry median Net Margin % is 27.10. Alior Bank's value of 25.40% is 6.3% below this benchmark. While the company's 10-year median is 16.27 vs. the industry median of 27.10, Alior Bank has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alior Bank's current Net Margin % of 25.40% is 6.3% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Alior Bank and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alior Bank's current Net Margin % is 25.40%, which is 56% above median its own 10-year median of 16.27. 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 Margin % of 25.40%. The stock's GF Value™ is $10.81, compared to a current price of $14.74 — trading 36.4% above its estimated fair value. The current Net Margin % is 25.40%, which is 56% above median its 10-year median of 16.27 and 6.3% below the Banks industry median of 27.10. Alior Bank's overall GF Score™ is 76/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Alior Bank (ALORY), the current Net Margin % is 25.40% as of Jun. 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 36.4% above its estimated GF Value™ of $10.81.
Key valuation signals for ALORY:
Net Margin %: 25.40% (56% above median its 10-year median of 16.27)
GF Value™: $10.81 vs. price of $14.74 (36.4% above fair value)
Industry Position: 6.3% below the Banks median (#461 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.
76GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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