Alior Bank (WAR:ALR) Altman Z2-Score

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.

WAR:ALR Alior Bank SA WAR:ALR
72 GF Score
Price zł141.60
GF Value zł97.78
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Alior Bank Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

WAR:ALR
72GF Score
Alior Bank SA WAR:ALR
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Alior Bank (WAR:ALR) Overvalued in 2026?

Based on GuruFocus' analysis, Alior Bank stock appears to be overvalued. The current stock price of zł141.60 is trading 44.8% above its estimated GF Value™ of zł97.78. GuruFocus considers Alior Bank to be Significantly Overvalued.

Key valuation signals for WAR:ALR:

  • Altman Z2-Score:
  • GF Value™: zł97.78 vs. price of zł141.60 (44.8% above fair value)
  • GF Score™: 72/100 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.
72GF Score

Get the complete analysis for WAR:ALR

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł141.60
Price
zł97.78
GF Value