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Alior BankWAR:ALR -1.23%71 5-Year Yield-on-Cost % is 6.47 as of Jul. 23, 2026, which is 5% below its 10-year median of 6.78. GuruFocus rates WAR:ALR with a GF Score™ of 71/100 and a GF Value™ of zł97.69 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,251 Banks companies, Alior Bank ranks better than 76.66% on this metric.
Alior Bank's yield on cost for the quarter that ended in Mar. 2026 was 6.47.
The historical rank and industry rank for Alior Bank's 5-Year Yield-on-Cost % or its related term are showing as below:
WAR:ALR'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.65 Med: 6.78 Max: 9.52
Current: 6.47
During the past 13 years, Alior Bank's highest Yield on Cost was 9.52. The lowest was 3.65. And the median was 6.78.
WAR:ALR's 5-Year Yield-on-Cost % is ranked better than 76.66% of 1251
companies
in the Banks industry
Industry Median: 3.88
vs WAR:ALR: 6.47
Alior Bank (WAR:ALR) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Alior Bank 5-Year Yield-on-Cost % Related Terms
WAR:ALR vs JPM, BAC, WFC: 5-Year Yield-on-Cost % Comparison
For the Banks - Diversified subindustry, Alior Bank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Alior Bank's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Alior Bank's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Alior Bank is calculated as
Alior Bank (WAR:ALR) has a 5-Year Yield-on-Cost % of 6.47 as of Jul. 23, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Alior Bank and its competitors. This is near median its historical median of 6.78. Over the past decade, Alior Bank's 5-Year Yield-on-Cost % has ranged from 3.65 to 9.52. According to the industry distribution chart, Alior Bank ranks #292 out of 1251 companies in the Banks industry, placing it in the top 23.3%.
Is Alior Bank's 5-Year Yield-on-Cost % too high?
Alior Bank's current 5-Year Yield-on-Cost % of 6.47 is near median its 10-year median of 6.78. Over the past 10 years, this metric has ranged from a low of 3.65 to a high of 9.52. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Alior Bank's value of 6.47 is 66.8% above this industry median. Based on the distribution chart, Alior Bank ranks #292 out of 1251 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 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alior Bank's 5-Year Yield-on-Cost % compare to JPM and BAC?
According to the Banks industry distribution chart, Alior Bank ranks #292 out of 1251 companies for 5-Year Yield-on-Cost %. This places Alior Bank in the top 23% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.88. Alior Bank's value of 6.47 is 66.8% above this benchmark. Historically, Alior Bank's own 5-Year Yield-on-Cost % has ranged from 3.65 to 9.52 over the past decade. While the company's 10-year median is 6.78 vs. the industry median of 3.88, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alior Bank's current 5-Year Yield-on-Cost % of 6.47 is 66.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Alior Bank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alior Bank's current 5-Year Yield-on-Cost % is 6.47, which is near median its own 10-year median of 6.78. 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 zł97.69, compared to a current price of zł136.50 — trading 39.7% above its estimated fair value. The current 5-Year Yield-on-Cost % is 6.47, which is near median its 10-year median of 6.78 and 66.8% above the Banks industry median of 3.88. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Alior Bank (WAR:ALR), the current 5-Year Yield-on-Cost % is 6.47 as of Jul. 23, 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 zł136.50 is trading 39.7% above its estimated GF Value™ of zł97.69.
GuruFocus considers Alior Bank to be Significantly Overvalued.
Key valuation signals for WAR:ALR:
5-Year Yield-on-Cost %: 6.47 (near median its 10-year median of 6.78)
GF Value™: zł97.69 vs. price of zł136.50 (39.7% above fair value)
Industry Position: 66.8% above the Banks median (#292 of 1251)
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 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
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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