US: ALORY - Alior Bank SA ADR

Yield per half year: -15.7%
Dividend yield: 0.00%
Sector: Financials

Reporting Alior Bank SA ADR

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	5 year average	CAGR 5
Капитализация, млрд zł			2				0.5296	1.77	0.3139
Выручка, млрд zł	1.87	2.19	2.7	3.81	4.1	4.14	3.77	3.8	4.51	5.84
Чистая прибыль, млрд zł	0.3227	0.3096	0.5752	0.4712	0.7134	0.2483	-0.3112	0.4819	0.6831	2.03
EV, млрд zł					11.65	13.16	3.66
EBIT, млрд zł	0.4018	0.3867	0.6916	0.7363	0.9883	0.4953	-0.2065	0.7792	1.04	2.71
EBITDA, млрд zł	0.4773	0.473	0.7971	0.9133	1.16	0.7429	0.0812	1.01	1.28	2.97
Баланс стоимость, млрд zł	3.01	3.51	6.2	6.76	6.49	6.76	6.56	5.92	6.17	9.25
FCF, млрд zł	-0.3818	0.6302	-2.7	-0.7863	0.5465	-0.4535	1.23	1.89	-0.6542	-4.45
Операционный денежный поток, млрд zł	-0.303	0.7427	-2.23	-0.5762	0.7575	-0.3022	1.38	2.07	-0.5044	-4.28
Операционная прибыль, млрд zł	0.4018	0.3867	0.6916	0.7363	0.9883	0.4953	-0.2065	0.7792	1.04	2.71
Операционные расходы, млрд zł	0.9398	1.13	1.53	2.13	2.05	2.2	2.12	1.99	2.39	2.35
CAPEX, млрд zł	0.0789	0.1125	0.4739	0.21	0.2111	0.1514	0.1473	0.1814	0.1498	0.1696

	2016Q2	2016Q3	2020Q1	2020Q2	2020Q3	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	5 quarters average	CAGR 5
Капитализация, млрд zł	1.18	1.85	0.57	0.4767	0.5324		1.77			0.7149	0.2702
Выручка, млрд zł						0.9535	1.02	1.12	1.22	0.797	1.37	1.35	1.42	1.48	1.59
Чистая прибыль, млрд zł						0.1504	0.0996	0.1692	0.2162	-0.0626	0.3603	0.3658	0.5061	0.5716	0.5867
EBIT, млрд zł						0.2133	0.2057	0.2734	0.3019	-0.0357	0.4965	0.5089	0.6775	0.7403	0.7803
EBITDA, млрд zł						0.2743	0.2649	0.3308	0.3608	0.0242	0.5623	0.5736	0.7451	0.8019	0.8453
Баланс стоимость, млрд zł						6.6	5.92	5.58	5.32	5.45	6.17	6.91	7.69	8.58	9.25
FCF, млрд zł						0.1038	2.34	1.3	0.1286	0.5214	-2.61	-0.1623	-1.58	-0.0484	-2.66
Операционный денежный поток, млрд zł						1.33	-3.25	4.04	-0.49	-1.38	-2.56	-0.1111	-1.55	-0.0125	-2.6
Операционная прибыль, млрд zł						0.2133	0.2057	0.2734	0.3019	-0.0357	0.4965	0.5089	0.6775	0.7403	0.7803
Операционные расходы, млрд zł						0.4912	0.5384	0.5845	0.6731	0.5466	0.5821	0.5948	0.5837	0.574	0.5929
CAPEX, млрд zł						0.0392	0.0358	0.0378	0.0145	0.0183	0.0467	0.0512	0.0269	0.036	0.0555

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	5 year average	CAGR 5
Наличность, млрд zł		1.46	2.22	1.72	1.64	2.13	1.44	2.55	3.84	2.72	2.75
Long term investments zł				9.85	13.73	13.84	15.94	16.08	16.14	17.19	19.16
Total Receivables zł		0.2097	0.3727	0.9089	0.496	0.4796	0.3825	0.4593	0.5223	0.4356	0.4318
Total Current Assets zł		1.67	2.6	2.63	2.14	2.61	1.82	3.01	4.36	3.15	3.18
Чистые активы, млрд zł	0.2151	0.1918	0.229	0.4858	0.4757	0.4607	0.7636	0.7024	0.7552
Активы, млрд zł		30.17	40	61.21	69.49	73.42	76.74	78.64	83.05	82.88	90.13
Short Term Debt zł			1.02	0.0298	0.6238	0.3734	0.1115	0.7347	0.2179	0.0497	0.4175
Задолженность, млрд zł		27.15	36.49	55.01	62.73	66.93	69.98	72.08	77.13	76.71	80.88
Чистый долг, млрд zł		0.7418	0.9641	2.41	3.82	3.1	3.81	1.03	-1.54	-0.4301	0.9331
Interest income zł				2.94	3.6	3.96	4.06	3.33	3.04	5.39	7.4
Расходы на обслуживание долга zł		0.4973	0.8982	0.9924	0.7601	0.8718	0.8778	0.4841	0.2384	1.83	2.62
Чист. проц. доходы, млрд zł				1.95	2.84	3.08	3.18	2.85	2.8	3.56	4.77
Goodwill zł		0.000974	0.1053	0.1053	0.1053	0.1053	0.1053	0.000976	0.1173	0.1173	0.1173
Амортизация, млрд zł		0.0755	0.0864	0.1055	0.177	0.1745	0.2476	0.2877	0.233	0.242	0.2588
Товарно материальные запасы zł			-2.78	-2.38	-2.31	-3.45	-1.48	-2.7	-4.3	-3.13	-7.83

	2015Q4	2016Q4	2017Q3	2017Q4	2018Q4	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	5 quarters average	CAGR 5
Наличность, млрд zł												1.73	3.84	5.08	5.04	5.55	2.72	4.86	3.45	4	2.75
Long term investments zł												14.6	16.14	12.4	12.68	14.14	17.19	17.06	17.46	18.63	19.16
Total Receivables zł												0.4367	0.5223	0.4384	0.5608	0.4898	0.4356	0.3357	0.3823	0.3645	0.4318
Total Current Assets zł												2.16	4.36	5.51	5.6	6.04	3.15	5.19	3.83	4.36	3.18
Чистые активы, млрд zł							0.7133	0.7001	0.7024	0.6937	0.7093	0.734	0.7552	0.7469	0.7236	0.7228
Активы, млрд zł												78.2	83.05	84.65	84.22	84.07	82.88	84.33	83.53	86.32	90.13
Short Term Debt zł												0.6409	0.2179	2.47	1.23	0.0391	0.0497	0.0077	0.0066	0.4017	0.4175
Задолженность, млрд zł												71.6	77.13	79.07	78.9	78.62	76.71	77.42	75.84	77.74	80.88
Чистый долг, млрд zł												0.9575	-1.54	-2.83	-3	-3.5	-0.4301	-2.3	-0.3663	-0.7655	0.9331
Interest income zł												0.75	0.824	1.05	1.35	1.18	1.81	1.81	1.83	1.89	1.86
Расходы на обслуживание долга zł												0.0465	0.0662	0.1834	0.3777	0.5965	0.6726	0.7067	0.6737	0.6682	0.5749
Чист. проц. доходы, млрд zł												0.7035	0.7579	0.8624	0.9718	0.5867	1.14	1.1	1.16	1.22	1.29
Goodwill zł	0.1053	0.1053	0	0.1053	0.1053	0.1053			0.000976				0.1173				0.1173				0.1173
Амортизация, млрд zł												0.061	0.0591	0.0574	0.0589	0.0599	0.0658	0.0647	0.0676	0.0616	0.0649
Товарно материальные запасы zł												-3.43	-4.3	-9.21	-8.42	-8.56	-3.13	-6.52	-5.25	-5.44	-7.83

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	1.38	1.04	1.14	1.21	1.34	0.4072	-0.5171	0.781	5.23	1.86
Цена акции ао			7				1.84	6.78	2.07		11.91	12.07	12.07
Число акций ао, млн	178.2	178.26	264.05	263.53	262.73	261.11	261.11	261.11	130.55	130.55
FCF/акцию	-2.14	3.54	-10.22	-2.98	2.08	-1.74	4.71	7.22	-5.01	-34.08

	2016Q2	2016Q3	2020Q1	2020Q2	2020Q3	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	5 quarters average	CAGR 5
EPS						0.1487	0.0945	0.1572	0.1895	-0.0509	0.2979	0.3192	3.88	0.5289	0.547
Цена акции ао	7.66	7	2.17	1.82	2.04		6.78			2.74	2.07
Число акций ао, млн						261.11	261.11	261.11	261.11	261.11	130.55	130.55	130.55	130.55	130.55
FCF/акцию						0.3977	8.97	4.99	0.4927	2	-19.97	-1.24	-12.11	-0.3711	-20.36

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	10.71	8.81	9.27	6.97	11	3.67	-4.74	8.14	4.53	21.95
ROA, %	1.07	0.7741	0.9398	0.678	0.9716	0.3236	-0.3958	0.5803	0.3256	2.25
ROS, %				12.35	17.4	6	-8.25	12.7	15.14	34.77	0	0	0
ROCE, %			11.15	10.89	15.24	7.33	-3.15	13.16	16.79	29.27		0	0
Ebit margin, %												0	0
Рентаб EBITDA, %			29.47	23.95	28.36	17.96	2.15	26.67	28.33	50.79		0	0
Чистая рентаб, %	17.22	14.15	21.27	12.35	17.4	6	-8.25	12.7	15.14	34.77
Operation Margin, %				19.31	24.1	11.98	-5.47	20.53	22.96	46.36	0	0	0
Доходность FCF, %			-135.17				231.99	106.52	-208.44

	2020Q1	2020Q2	2020Q3	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	Industry average	5 quarters average	CAGR 5
ROE, %				2.28	1.68	3.03	4.06	-1.15	5.84	5.29	3.63	6.66	6.34
ROA, %				0.1923	0.12	0.1998	0.2567	-0.0744	0.4347	0.4338	0.603	0.6621	0.6509
ROS, %				15.77	9.79	15.08	17.72	-7.85	26.26	27	35.57	38.7	37.01
ROCE, %				3.23	3.48	4.9	5.67	-0.6556	8.05	7.37	8.82	8.62	8.44
Рентаб EBITDA, %				28.77	26.02	29.49	29.57	3.04	40.97	42.34	52.37	54.3	53.31
Чистая рентаб, %				15.77	9.79	15.08	17.72	-7.85	26.26	27	35.57	38.7	37.01
Operation Margin, %				22.37	20.21	24.38	24.74	-4.48	36.18	37.57	47.62	50.13	49.22
Доходность FCF, %	107.38	-162.46	101.37		132.37			72.93	-964.77

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	3.47				-1.7	3.67	1.74
P/BV	0.322				0.0807	0.299	0.1926
P/S	0.7385				0.1403	0.4662	0.2634
P/FCF	-0.7398				0.4311	0.9388	-0.4798		0	0	0
E/P	0.288				-0.5876	0.2723	2.18		0	0	0
EV/EBIT									0	0	0
EV/S			0.7654	0.8505	0.2606				0	0	0
EV/FCF			5.67	-7.64	0.8004				0	0	0
Debt/EBITDA									0	0	0
Netdebt/Ebitda		4.18	2.67	5.12	12.72	-1.52	-0.3365	0.3146	0	0	0
Debt/Ratio									0	0	0
Debt/Equity									0	0	0
Debt/Net Income									0	0	0
Бета									-2.17	-0.057	-0.057
Индекс Альтмана	0.2602				0.4619	-0.175			0	0	0

	2016Q2	2016Q3	2020Q1	2020Q2	2020Q3	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2025Q1	Industry average	5 quarters average	CAGR 5
P/E		21.23	7.9	-0.8141	6.51		17.76		1.47	-11.43	0.7501	0.8433	1.19
P/BV		0.3141	0.0836	0.0749	0.0823		0.299		0.1647	0.1313	0.0438	0.1687	0.1427
P/S		2.79	0.5792	0.5256	0.5828		1.74		0.2171	0.8971	0.1969	0.0962	0.1355
P/FCF			0.9313	-0.6156	0.9865		0.7555			1.37	-0.1037
E/P	0.0692	0.0471	0.1265	-1.23	0.1536		0.0563			-0.0875	1.33
Netdebt/Ebitda						3.49	-5.81	-8.55	-8.33	-144.69	-0.765	-4.01	-0.4917	-0.9546	1.1
Бета																-0.057
Индекс Альтмана				0.0994	0.1973		-0.2446			-0.1042						0

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	LTM	Industry average	5 year average	CAGR 5
Дивиденд	1.39	0
Див доход, ао, %	18.4	0

	2016Q2	Industry average	5 quarters average	CAGR 5
Дивиденд	1.39
Див доход, ао, %	18.17

	Industry average	5 quarters average	CAGR 5

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