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Alior Bank SA (PL:ALR)
:ALR
Poland Market

Alior Bank SA (ALR) Ratios

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Alior Bank SA Ratios

PL:ALR's free cash flow for Q3 2025 was zł0.00. For the 2025 fiscal year, PL:ALR'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
0.00 0.10 3.46 435.74 398.35
Quick Ratio
0.00 0.10 3.46 867.97 791.50
Cash Ratio
0.00 0.05 3.46 375.53 350.61
Solvency Ratio
0.03 0.03 0.03 0.01 <0.01
Operating Cash Flow Ratio
0.00 -0.01 -5.39 -69.73 188.89
Short-Term Operating Cash Flow Coverage
0.00 -2.00 0.00 0.00 0.00
Net Current Asset Value
zł -85.58Bzł -76.46Bzł -78.14Bzł -73.56Bzł -72.77B
Leverage Ratios
Debt-to-Assets Ratio
0.02 0.03 0.04 0.03 0.03
Debt-to-Equity Ratio
0.17 0.22 0.40 0.37 0.39
Debt-to-Capital Ratio
0.15 0.18 0.28 0.27 0.28
Long-Term Debt-to-Capital Ratio
0.13 0.15 0.29 0.00 0.00
Financial Leverage Ratio
8.04 8.32 9.74 13.43 14.03
Debt Service Coverage Ratio
0.67 -0.32 -0.26 0.51 3.00
Interest Coverage Ratio
2.28 1.81 1.33 1.57 3.27
Debt to Market Cap
0.12 0.20 0.37 0.00 0.00
Interest Debt Per Share
27.00 34.33 48.28 31.53 19.43
Net Debt to EBITDA
1.26 0.00 0.00 -0.34 -1.52
Profitability Margins
Gross Profit Margin
69.79%100.00%100.00%100.00%100.00%
EBIT Margin
21.43%-4.35%-4.43%22.96%20.53%
EBITDA Margin
24.54%0.00%0.00%28.33%26.67%
Operating Profit Margin
49.19%59.79%59.83%63.53%20.53%
Pretax Profit Margin
44.28%51.44%46.36%22.96%20.53%
Net Profit Margin
34.23%39.33%34.77%15.14%12.70%
Continuous Operations Profit Margin
34.23%39.33%34.77%15.14%12.70%
Net Income Per EBT
77.30%76.46%74.99%65.94%61.85%
EBT Per EBIT
90.01%86.03%77.48%36.14%100.00%
Return on Assets (ROA)
2.35%2.62%2.25%0.82%0.58%
Return on Equity (ROE)
19.65%21.82%21.95%11.07%8.14%
Return on Capital Employed (ROCE)
3.37%9.65%3.91%3.46%0.94%
Return on Invested Capital (ROIC)
0.00%7.33%2.57%8.80%2.22%
Return on Tangible Assets
2.36%2.63%2.26%0.83%0.58%
Earnings Yield
15.14%21.78%20.37%15.27%6.75%
Efficiency Ratios
Receivables Turnover
0.00 22.56 0.00 14.01 12.64
Payables Turnover
0.00 8.37K 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
10.42 8.91 7.85 6.06 5.03
Asset Turnover
0.07 0.07 0.06 0.05 0.05
Working Capital Turnover Ratio
-0.18 -0.26 2.29 1.20 1.04
Cash Conversion Cycle
0.00 16.14 0.00 26.06 28.88
Days of Sales Outstanding
0.00 16.18 0.00 26.06 28.88
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.04 0.00 0.00 0.00
Operating Cycle
0.00 16.18 0.00 26.06 28.88
Cash Flow Ratios
Operating Cash Flow Per Share
17.13 -4.26 -32.79 -3.86 15.83
Free Cash Flow Per Share
-0.77 -5.71 -34.08 -5.01 14.44
CapEx Per Share
0.92 1.45 1.30 1.15 1.39
Free Cash Flow to Operating Cash Flow
-0.04 1.34 1.04 1.30 0.91
Dividend Paid and CapEx Coverage Ratio
18.54 -0.72 -25.23 -3.37 11.39
Capital Expenditure Coverage Ratio
18.54 -2.93 -25.23 -3.37 11.39
Operating Cash Flow Coverage Ratio
1.08 -0.23 -1.16 -0.22 0.90
Operating Cash Flow to Sales Ratio
0.33 -0.09 -0.73 -0.11 0.54
Free Cash Flow Yield
-0.66%-6.64%-44.65%-14.62%26.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
6.61 4.59 4.91 6.55 14.82
Price-to-Sales (P/S) Ratio
2.26 1.81 1.71 0.99 1.88
Price-to-Book (P/B) Ratio
1.25 1.00 1.08 0.73 1.21
Price-to-Free Cash Flow (P/FCF) Ratio
-150.58 -15.07 -2.24 -6.84 3.79
Price-to-Operating Cash Flow Ratio
6.78 -20.20 -2.33 -8.87 3.46
Price-to-Earnings Growth (PEG) Ratio
-1.54 0.22 0.02 0.16 -0.06
Price-to-Fair Value
1.25 1.00 1.08 0.73 1.21
Enterprise Value Multiple
10.48 0.00 0.00 3.16 5.54
Enterprise Value
17.24B 11.11B 10.90B 4.04B 5.60B
EV to EBITDA
10.48 0.00 0.00 3.16 5.54
EV to Sales
2.57 1.79 1.87 0.90 1.48
EV to Free Cash Flow
-171.23 -14.92 -2.45 -6.18 2.97
EV to Operating Cash Flow
7.70 -20.00 -2.55 -8.02 2.71
Tangible Book Value Per Share
89.26 82.23 67.69 44.26 42.07
Shareholders’ Equity Per Share
93.15 85.84 70.85 47.26 45.34
Tax and Other Ratios
Effective Tax Rate
0.23 0.24 0.25 0.34 0.38
Revenue Per Share
51.35 47.62 44.73 34.56 29.08
Net Income Per Share
17.58 18.73 15.55 5.23 3.69
Tax Burden
0.77 0.76 0.75 0.66 0.62
Interest Burden
2.07 -11.82 -10.46 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.05 0.06 0.05 0.12 0.07
Stock-Based Compensation to Revenue
0.00 0.00 0.00 <0.01 <0.01
Income Quality
0.80 -0.17 -2.11 -0.49 2.65
Currency in PLN