Alior Bank (WAR:ALR) Scaled Net Operating Assets: 0.14 (As of Mar. 2026)


WAR:ALR Alior Bank SA WAR:ALR
73 GF Score
Price zł132.20
GF Value zł97.96
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Alior Bank Scaled Net Operating Assets?

Alior Bank WAR:ALR -0.26% 73 Scaled Net Operating Assets is 0.14 as of Mar. 2026. GuruFocus rates WAR:ALR with a GF Score™ of 73/100 and a GF Value™ of zł97.96 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Alior Bank's operating assets for the quarter that ended in Mar. 2026 was zł102,795 Mil. Alior Bank's operating liabilities for the quarter that ended in Mar. 2026 was zł88,915 Mil. Alior Bank's Total Assets for the quarter that ended in Dec. 2025 was zł101,775 Mil. Therefore, Alior Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.14.

WAR:ALR
73GF Score
Alior Bank SA WAR:ALR
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Alior Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Alior Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(97280.511-86147.421)/93293.487
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=101775.005 - 4494.494
=97280.511

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=88792.028 - 2644.607 - 0
=86147.421

Alior Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(102795.185-88914.762)/101775.005
=0.14

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=104718.199 - 1923.014
=102795.185

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=91585.483 - 2670.721 - 0
=88914.762

* 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.

What does a Scaled Net Operating Assets of 0.14 mean?
Alior Bank (WAR:ALR) has a Scaled Net Operating Assets of 0.14 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Alior Bank and its competitors.
Is Alior Bank's Scaled Net Operating Assets too high?
Alior Bank's current Scaled Net Operating Assets is 0.14. Overall, Alior Bank has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alior Bank's Scaled Net Operating Assets compare to JPM and BAC?
Alior Bank's Scaled Net Operating Assets of 0.14 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Alior Bank and its competitors. Alior Bank's current Scaled Net Operating Assets is 0.14. 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?
Based on GuruFocus' analysis, Alior Bank (WAR:ALR) is currently considered Significantly Overvalued. The stock's GF Value™ is zł97.96, compared to a current price of zł132.20 — trading 35% above its estimated fair value. The current Scaled Net Operating Assets is 0.14. Alior Bank's overall GF Score™ is 73/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Alior Bank (WAR:ALR), the current Scaled Net Operating Assets is 0.14 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 (WAR:ALR) Overvalued in 2026?

Based on GuruFocus' analysis, Alior Bank stock appears to be overvalued. The current stock price of zł132.20 is trading 35% above its estimated GF Value™ of zł97.96. GuruFocus considers Alior Bank to be Significantly Overvalued.

Key valuation signals for WAR:ALR:

  • Scaled Net Operating Assets: 0.14
  • GF Value™: zł97.96 vs. price of zł132.20 (35% above fair value)
  • GF Score™: 73/100 with 8 warning signs

No single metric tells the full story. See the WAR:ALR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Alior Bank Business Description

Other Exchanges 0QBM:UKA6O:Germany
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.
73GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł132.20
Price
zł97.96
GF Value