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Alior Bank SA (DE:A6O)
FRANKFURT:A6O
Germany Market

Alior Bank SA (A6O) Ratios

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Alior Bank SA Ratios

DE:A6O's free cash flow for Q3 2025 was zł0.00. For the 2025 fiscal year, DE:A6O's free cash flow was decreased by zł and operating cash flow was zł0.36. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.08 3.46 435.74 398.35 150.16
Quick Ratio
0.08 3.46 867.97 791.50 285.20
Cash Ratio
0.07 3.46 375.53 350.61 127.22
Solvency Ratio
0.03 0.03 0.01 <0.01 >-0.01
Operating Cash Flow Ratio
0.04 -5.39 -69.73 188.89 68.73
Short-Term Operating Cash Flow Coverage
1.55 0.00 0.00 0.00 0.00
Net Current Asset Value
zł -85.58Bzł -78.14Bzł -73.56Bzł -72.77Bzł -69.08B
Leverage Ratios
Debt-to-Assets Ratio
0.02 0.04 0.03 0.03 0.05
Debt-to-Equity Ratio
0.18 0.40 0.37 0.39 0.55
Debt-to-Capital Ratio
0.15 0.28 0.27 0.28 0.35
Long-Term Debt-to-Capital Ratio
0.15 0.29 0.00 0.00 0.30
Financial Leverage Ratio
8.66 9.74 13.43 14.03 11.99
Debt Service Coverage Ratio
0.28 -0.26 0.51 3.00 -0.22
Interest Coverage Ratio
1.82 1.33 1.57 3.27 -0.43
Debt to Market Cap
0.30 0.37 0.00 0.00 1.29
Interest Debt Per Share
30.59 48.28 31.53 19.43 31.13
Net Debt to EBITDA
1.26 0.00 -0.34 -1.52 0.00
Profitability Margins
Gross Profit Margin
93.10%100.00%100.00%100.00%100.00%
EBIT Margin
23.02%-4.43%22.96%20.53%-7.62%
EBITDA Margin
27.06%0.00%28.33%26.67%0.00%
Operating Profit Margin
52.69%59.83%63.53%20.53%-5.47%
Pretax Profit Margin
46.13%46.36%22.96%20.53%-5.47%
Net Profit Margin
35.59%34.77%15.14%12.70%-8.25%
Continuous Operations Profit Margin
35.59%34.77%15.14%12.70%-8.25%
Net Income Per EBT
77.15%74.99%65.94%61.85%150.75%
EBT Per EBIT
87.55%77.48%36.14%100.00%100.00%
Return on Assets (ROA)
2.35%2.25%0.82%0.58%-0.40%
Return on Equity (ROE)
19.65%21.95%11.07%8.14%-4.74%
Return on Capital Employed (ROCE)
3.37%3.91%3.46%0.94%-0.26%
Return on Invested Capital (ROIC)
0.00%2.57%8.80%2.22%-1.54%
Return on Tangible Assets
2.36%2.26%0.83%0.58%-0.40%
Earnings Yield
16.65%20.37%15.27%6.75%-14.05%
Efficiency Ratios
Receivables Turnover
27.32 0.00 14.01 12.64 11.18
Payables Turnover
14.63K 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
10.49 7.85 6.06 5.03 5.37
Asset Turnover
0.07 0.06 0.05 0.05 0.05
Working Capital Turnover Ratio
-0.20 2.29 1.20 1.04 1.58
Cash Conversion Cycle
0.00 0.00 26.06 28.88 32.66
Days of Sales Outstanding
0.00 0.00 26.06 28.88 32.66
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 0.00 26.06 28.88 32.66
Cash Flow Ratios
Operating Cash Flow Per Share
24.31 -32.79 -3.86 15.83 10.54
Free Cash Flow Per Share
6.49 -34.08 -5.01 14.44 9.41
CapEx Per Share
0.84 1.30 1.15 1.39 1.13
Free Cash Flow to Operating Cash Flow
0.27 1.04 1.30 0.91 0.89
Dividend Paid and CapEx Coverage Ratio
28.95 -25.23 -3.37 11.39 9.34
Capital Expenditure Coverage Ratio
28.95 -25.23 -3.37 11.39 9.34
Operating Cash Flow Coverage Ratio
1.55 -1.16 -0.22 0.90 0.38
Operating Cash Flow to Sales Ratio
0.47 -0.73 -0.11 0.54 0.36
Free Cash Flow Yield
-0.73%-44.65%-14.62%26.40%55.46%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
5.75 4.91 6.55 14.82 -7.12
Price-to-Sales (P/S) Ratio
2.05 1.71 0.99 1.88 0.59
Price-to-Book (P/B) Ratio
1.20 1.08 0.73 1.21 0.34
Price-to-Free Cash Flow (P/FCF) Ratio
16.26 -2.24 -6.84 3.79 1.80
Price-to-Operating Cash Flow Ratio
4.34 -2.33 -8.87 3.46 1.61
Price-to-Earnings Growth (PEG) Ratio
2.52 0.02 0.16 -0.06 0.03
Price-to-Fair Value
1.20 1.08 0.73 1.21 0.34
Enterprise Value Multiple
5.46 0.00 3.16 5.54 0.00
Enterprise Value
15.86B 10.90B 4.04B 5.60B 3.25B
EV to EBITDA
9.64 0.00 3.16 5.54 0.00
EV to Sales
2.37 1.87 0.90 1.48 0.86
EV to Free Cash Flow
-157.54 -2.45 -6.18 2.97 2.64
EV to Operating Cash Flow
7.09 -2.55 -8.02 2.71 2.36
Tangible Book Value Per Share
84.27 67.69 44.26 42.07 46.99
Shareholders’ Equity Per Share
88.01 70.85 47.26 45.34 50.24
Tax and Other Ratios
Effective Tax Rate
0.23 0.25 0.34 0.38 -0.51
Revenue Per Share
51.60 44.73 34.56 29.08 28.91
Net Income Per Share
18.36 15.55 5.23 3.69 -2.38
Tax Burden
0.77 0.75 0.66 0.62 1.51
Interest Burden
2.07 -10.46 1.00 1.00 0.72
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.05 0.05 0.12 0.07 0.07
Stock-Based Compensation to Revenue
0.00 0.00 <0.01 <0.01 >-0.01
Income Quality
0.80 -2.11 -0.49 2.65 -6.66
Currency in PLN