Alior BankALORY 73 ROE % is 12.35% as of Mar. 2026, which is 12% above its 10-year median of 11.07. 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 1,524 Banks companies, Alior Bank ranks better than 89.57% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Alior Bank's annualized net income for the quarter that ended in Mar. 2026 was $439 Mil. Alior Bank's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $3,554 Mil. Therefore, Alior Bank's annualized ROE % for the quarter that ended in Mar. 2026 was 12.35%.
The historical rank and industry rank for Alior Bank's ROE % or its related term are showing as below:
ALORY'
s ROE % Range Over the Past 10 Years
Min: -4.68 Med: 11.07 Max: 26.33
Current: 18.62
During the past 13 years, Alior Bank's highest ROE % was 26.33%. The lowest was -4.68%. And the median was 11.07%.
ALORY's ROE % is ranked better than 89.57% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs ALORY: 18.62
Alior Bank (OTCPK:ALORY) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Alior Bank ROE % Related Terms
Alior Bank ROE % Historical Data
* Premium members only.
The historical data trend for Alior Bank's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Alior Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Alior Bank's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Alior Bank (ALORY) has a ROE % of 12.35% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Alior Bank and its competitors. This is 12% above median its historical median of 11.07. According to the industry distribution chart, Alior Bank ranks #159 out of 1524 companies in the Banks industry, placing it in the top 10.4%.
Is Alior Bank's ROE % too high?
Alior Bank's current ROE % of 12.35% is 12% above median its 10-year median of 11.07. The Banks industry median ROE % is 10.22. Alior Bank's value of 12.35% is 20.8% above this industry median. Based on the distribution chart, Alior Bank ranks #159 out of 1524 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 73/100, reflecting its overall financial health beyond just this single metric.
How does Alior Bank's ROE % compare to JPM and BAC?
According to the Banks industry distribution chart, Alior Bank ranks #159 out of 1524 companies for ROE %. This places Alior Bank in the top 10% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Alior Bank's value of 12.35% is 20.8% above this benchmark. While the company's 10-year median is 11.07 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alior Bank's current ROE % of 12.35% is 20.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Alior Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alior Bank's current ROE % is 12.35%, which is 12% above median its own 10-year median of 11.07. 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 ROE % of 12.35%. 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 ROE % is 12.35%, which is 12% above median its 10-year median of 11.07 and 20.8% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Alior Bank (ALORY), the current ROE % is 12.35% 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:
ROE %: 12.35% (12% above median its 10-year median of 11.07)
GF Value™: $10.66 vs. price of $14.74 (38.3% above fair value)
Industry Position: 20.8% above the Banks median (#159 of 1524)
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.
73GF Score
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