ALORY (Alior Bank) OCF Margin %: -35.15% (As of Mar. 2026)

What is Alior Bank OCF Margin %?

Alior Bank ALORY 73 OCF Margin % is -35.15% as of Mar. 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. Among 1,501 Banks companies, Alior Bank ranks worse than 68.02% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Alior Bank's Cash Flow from Operations for the three months ended in Mar. 2026 was $-147 Mil. Alior Bank's Revenue for the three months ended in Mar. 2026 was $418 Mil. Therefore, Alior Bank's OCF Margin % for the quarter that ended in Mar. 2026 was -35.15%.

As of today, Alior Bank's current OCF Yield % is 4.83%.

The historical rank and industry rank for Alior Bank's OCF Margin % or its related term are showing as below:

ALORY' s OCF Margin % Range Over the Past 10 Years
Min: -81.65 Med: -3.5 Max: 72.85
Current: 13.72

During the past 13 years, the highest OCF Margin % of Alior Bank was 72.85%. The lowest was -81.65%. And the median was -3.50%.

ALORY's OCF Margin % is ranked worse than
68.02% of 1501 companies
in the Banks industry
Industry Median: 29.44 vs ALORY: 13.72

Alior Bank OCF Margin % Related Terms

Alior Bank OCF Margin % Historical Data

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The historical data trend for Alior Bank's OCF 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.

Alior Bank OCF Margin % Chart

Alior Bank Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

OCF Margin %

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5.12

-11.18

-75.13

0.34

72.85

Alior Bank Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
OCF Margin %	Get a 7-Day Free Trial															207.47	17.46	-130.51	206.90	-35.15

ALORY vs JPM, BAC, WFC: OCF Margin % Comparison

For the Banks - Diversified subindustry, Alior Bank's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Alior Bank's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Alior Bank's OCF Margin % falls into.

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73GF Score

Alior Bank SA ALORY

OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.

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Alior Bank OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

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

OCF Margin	=	Cash Flow from Operations (A: Dec. 2025 )	/	Revenue (A: Dec. 2025 )
	=	1227.376	/	1684.844
	=	72.85 %

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

OCF Margin	=	Cash Flow from Operations (Q: Mar. 2026 )	/	Revenue (Q: Mar. 2026 )
	=	-147.021	/	418.323
	=	-35.15 %

Frequently Asked Questions Learn more about OCF Margin % →

What does a OCF Margin % of -35.15% mean?

Alior Bank (ALORY) has a OCF Margin % of -35.15% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Alior Bank and its competitors. According to the industry distribution chart, Alior Bank ranks #1021 out of 1501 companies in the Banks industry, placing it in the top 68%.

Is Alior Bank's OCF Margin % too high?

Alior Bank's current OCF Margin % is -35.15%. Based on the distribution chart, Alior Bank ranks #1021 out of 1501 companies in the Banks industry, which is below the industry midpoint. 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 OCF Margin % compare to JPM and BAC?

According to the Banks industry distribution chart, Alior Bank ranks #1021 out of 1501 companies for OCF Margin %. This places Alior Bank in the lower half of its industry. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good OCF Margin % for a Banks company?

The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?

A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Alior Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alior Bank's current OCF Margin % is -35.15%. 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 OCF Margin % of -35.15%. 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 OCF Margin % is -35.15%. 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 OCF Margin % calculated?

OCF Margin % is calculated from a company's financial statements. For Alior Bank (ALORY), the current OCF Margin % is -35.15% 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:

OCF Margin %: -35.15%
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

Industry Financial Services Banks

Comparable Companies WAR:BHW WAR:BNP WAR:MIL WAR:BOS WAR:FHD WAR:MBK WAR:ING WAR:EBP WAR:PEO JPM BAC SHSE:601398 LSE:HSBA SHSE:601288 SHSE:601939 TSX:RY SHSE:601988 WFC C TSE:8306

Other Exchanges ALR:Poland 0QBM:UK A6O:Germany

Address ul. Lopuszanska 38D, Warsaw, POL, 02-232

Website https://www.aliorbank.pl

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

$14.74

Price

$10.66

GF Value

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