ALORY (Alior Bank) 1-Year Sharpe Ratio: 0.83 (As of Jul. 16, 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
71 GF Score
Price $14.74
GF Value $10.18
! 8 Warning Signs
View Full Analysis

What is Alior Bank 1-Year Sharpe Ratio?

Alior Bank ALORY 71 1-Year Sharpe Ratio is 0.83 as of Jul. 16, 2026. GuruFocus rates ALORY with a GF Score™ of 71/100 and a GF Value™ of $10.18. The stock has 8 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-16), Alior Bank's 1-Year Sharpe Ratio is 0.83.

Alior Bank  (OTCPK:ALORY) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

Alior Bank 1-Year Sharpe Ratio Related Terms

ALORY vs JPM, BAC, WFC: 1-Year Sharpe Ratio Comparison

For the Banks - Diversified subindustry, Alior Bank's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Alior Bank's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where Alior Bank's 1-Year Sharpe Ratio falls into.


ALORY
71GF Score
Alior Bank SA ALORY
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Alior Bank 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 0.83 mean?
Alior Bank (ALORY) has a 1-Year Sharpe Ratio of 0.83 as of Jul. 16, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Alior Bank and its competitors.
Is Alior Bank's 1-Year Sharpe Ratio too high?
Alior Bank's current 1-Year Sharpe Ratio is 0.83. Overall, Alior Bank has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Alior Bank's 1-Year Sharpe Ratio compare to JPM and BAC?
Alior Bank's 1-Year Sharpe Ratio of 0.83 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 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Alior Bank and its competitors. Alior Bank's current 1-Year Sharpe Ratio is 0.83. 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 1-Year Sharpe Ratio of 0.83. 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 1-Year Sharpe Ratio is 0.83. Alior Bank's overall GF Score™ is 71/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For Alior Bank (ALORY), the current 1-Year Sharpe Ratio is 0.83 as of Jul. 16, 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:

  • 1-Year Sharpe Ratio: 0.83
  • GF Value™: $10.18 vs. price of $14.74 (44.8% above fair value)
  • GF Score™: 71/100 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.
71GF Score

Get the complete analysis for ALORY

1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.74
Price
$10.18
GF Value