Alior BankALORY 72 Return-on-Tangible-Equity is 12.90% as of Mar. 2026, which is 8% above its 10-year median of 11.98. GuruFocus rates ALORY with a GF Score™ of 72/100 and a GF Value™ of $10.89. The stock has 8 warning signs investors should review. Among 1,525 Banks companies, Alior Bank ranks better than 88.46% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Alior Bank's annualized net income for the quarter that ended in Mar. 2026 was $439 Mil. Alior Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $3,402 Mil. Therefore, Alior Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.90%.
The historical rank and industry rank for Alior Bank's Return-on-Tangible-Equity or its related term are showing as below:
ALORY'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -5.06 Med: 11.98 Max: 27.78
Current: 19.43
During the past 13 years, Alior Bank's highest Return-on-Tangible-Equity was 27.78%. The lowest was -5.06%. And the median was 11.98%.
ALORY's Return-on-Tangible-Equity is ranked better than 88.46% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs ALORY: 19.43
Alior Bank (OTCPK:ALORY) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Alior Bank Return-on-Tangible-Equity Related Terms
Alior Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Alior Bank's Return-on-Tangible-Equity 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.
ALORY vs JPM, BAC, WFC: Return-on-Tangible-Equity Comparison
For the Banks - Diversified subindustry, Alior Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Alior Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Alior Bank's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.90% mean?
Alior Bank (ALORY) has a Return-on-Tangible-Equity of 12.90% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Alior Bank and its competitors. This is near median its historical median of 11.98. According to the industry distribution chart, Alior Bank ranks #176 out of 1525 companies in the Banks industry, placing it in the top 11.5%.
Is Alior Bank's Return-on-Tangible-Equity too high?
Alior Bank's current Return-on-Tangible-Equity of 12.90% is near median its 10-year median of 11.98. The Banks industry median Return-on-Tangible-Equity is 11.21. Alior Bank's value of 12.90% is 15.1% above this industry median. Based on the distribution chart, Alior Bank ranks #176 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Return-on-Tangible-Equity compare to JPM and BAC?
According to the Banks industry distribution chart, Alior Bank ranks #176 out of 1525 companies for Return-on-Tangible-Equity. This places Alior Bank in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. Alior Bank's value of 12.90% is 15.1% above this benchmark. While the company's 10-year median is 11.98 vs. the industry median of 11.21, Alior Bank has consistently been above 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alior Bank's current Return-on-Tangible-Equity of 12.90% is 15.1% above 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Alior Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alior Bank's current Return-on-Tangible-Equity is 12.90%, which is near median its own 10-year median of 11.98. 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 Return-on-Tangible-Equity of 12.90%. The stock's GF Value™ is $10.89, compared to a current price of $14.74 — trading 35.4% above its estimated fair value. The current Return-on-Tangible-Equity is 12.90%, which is near median its 10-year median of 11.98 and 15.1% above the Banks industry median of 11.21. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Alior Bank (ALORY), the current Return-on-Tangible-Equity is 12.90% 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 35.4% above its estimated GF Value™ of $10.89.
Key valuation signals for ALORY:
Return-on-Tangible-Equity: 12.90% (near median its 10-year median of 11.98)
GF Value™: $10.89 vs. price of $14.74 (35.4% above fair value)
Industry Position: 15.1% above the Banks median (#176 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.
72GF Score
Get the complete analysis for ALORY
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ALORY has been successfully added to your 
