Alior Bank SA (0QBM) Ratios
Alior Bank SA Ratios
GB:0QBM's free cash flow for Q3 2026 was $-90.47M. For the 2026 fiscal year, GB:0QBM's free cash flow was decreased by $-62.84M and operating cash flow was $-27.63M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.06 | 0.10 | 3.46 | 435.74 | 398.35 |
| Quick Ratio | 0.06 | 0.10 | 3.46 | 435.74 | 398.35 |
| Cash Ratio | 0.04 | 0.05 | 3.46 | 391.22 | 370.90 |
| Solvency Ratio | 0.03 | 0.03 | 0.03 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.04 | -0.01 | -5.39 | -69.73 | 19.36 |
| Short-Term Operating Cash Flow Coverage | 0.00 | -2.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -84.06B | $ -76.46B | $ -78.14B | $ -73.56B | $ -72.77B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.03 | 0.03 | 0.04 | 0.03 | 0.03 |
| Debt-to-Equity Ratio | 0.20 | 0.22 | 0.40 | 0.37 | 0.39 |
| Debt-to-Capital Ratio | 0.17 | 0.18 | 0.28 | 0.27 | 0.28 |
| Long-Term Debt-to-Capital Ratio | 0.15 | 0.15 | 0.29 | 0.00 | 0.00 |
| Financial Leverage Ratio | 7.84 | 8.32 | 9.74 | 13.43 | 14.03 |
| Debt Service Coverage Ratio | 1.47 | 1.17 | -0.26 | 0.51 | 3.00 |
| Interest Coverage Ratio | 1.65 | 1.81 | 1.33 | 0.59 | 7.57 |
| Debt to Market Cap | 0.16 | 0.20 | 0.37 | 0.00 | 0.00 |
| Interest Debt Per Share | 33.91 | 34.33 | 48.28 | 31.53 | 19.43 |
| Net Debt to EBITDA | -0.24 | -0.03 | 0.00 | -0.43 | -1.74 |
| Profitability Margins | |||||
| Gross Profit Margin | 70.29% | 100.00% | 100.00% | 100.00% | 100.00% |
| EBIT Margin | 35.19% | -4.35% | -4.43% | 22.96% | 20.57% |
| EBITDA Margin | 38.24% | 55.79% | 0.00% | 28.33% | 26.72% |
| Operating Profit Margin | 35.19% | 59.79% | 59.83% | 24.13% | 47.62% |
| Pretax Profit Margin | 35.19% | 51.44% | 46.36% | 22.96% | 20.57% |
| Net Profit Margin | 28.37% | 39.33% | 34.77% | 15.14% | 12.72% |
| Continuous Operations Profit Margin | 28.37% | 39.33% | 34.77% | 15.14% | 12.72% |
| Net Income Per EBT | 80.61% | 76.46% | 74.99% | 65.94% | 61.85% |
| EBT Per EBIT | 100.00% | 86.03% | 77.48% | 95.19% | 43.19% |
| Return on Assets (ROA) | 2.33% | 2.62% | 2.25% | 0.82% | 0.58% |
| Return on Equity (ROE) | 18.23% | 21.82% | 21.95% | 11.07% | 8.14% |
| Return on Capital Employed (ROCE) | 16.08% | 9.65% | 3.91% | 1.31% | 2.17% |
| Return on Invested Capital (ROIC) | 12.96% | 7.33% | 2.57% | 0.73% | 1.14% |
| Return on Tangible Assets | 2.34% | 2.63% | 2.26% | 0.83% | 0.58% |
| Earnings Yield | 16.42% | 21.78% | 20.37% | 15.27% | 6.75% |
| Efficiency Ratios | |||||
| Receivables Turnover | 72.62 | 22.56 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 9319.48 | 8367.37 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 10.06 | 8.91 | 7.85 | 6.06 | 5.02 |
| Asset Turnover | 0.08 | 0.07 | 0.06 | 0.05 | 0.05 |
| Working Capital Turnover Ratio | -0.13 | -0.26 | 2.29 | 1.20 | 1.03 |
| Cash Conversion Cycle | 4.99 | 16.14 | 0.00 | 0.00 | 0.00 |
| Days of Sales Outstanding | 5.03 | 16.18 | 0.00 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.04 | 0.04 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 5.03 | 16.18 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 23.26 | -4.26 | -32.79 | -3.86 | 1.62 |
| Free Cash Flow Per Share | 22.20 | -5.71 | -34.08 | -5.01 | 0.10 |
| Dividend Paid and CapEx Coverage Ratio | 2.27 | -0.72 | -25.23 | -3.37 | 1.66 |
| Capital Expenditure Coverage Ratio | 21.97 | -2.93 | -25.23 | -3.37 | 1.66 |
| Operating Cash Flow Coverage Ratio | 1.15 | -0.23 | -1.16 | -0.22 | 0.09 |
| Operating Cash Flow to Sales Ratio | 0.36 | -0.09 | -0.73 | -0.11 | 0.06 |
| Free Cash Flow Yield | 20.10% | -6.64% | -44.65% | -14.62% | 0.18% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 6.09 | 4.59 | 4.91 | 6.55 | 14.82 |
| Price-to-Sales (P/S) Ratio | 1.73 | 1.81 | 1.71 | 0.99 | 1.89 |
| Price-to-Book (P/B) Ratio | 1.11 | 1.00 | 1.08 | 0.73 | 1.21 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 4.97 | -15.07 | -2.24 | -6.84 | 564.71 |
| Price-to-Operating Cash Flow Ratio | 4.75 | -20.20 | -2.33 | -8.87 | 33.72 |
| Price-to-Earnings Growth (PEG) Ratio | -1.90 | 0.22 | 0.02 | 0.16 | -0.06 |
| Enterprise Value Multiple | 4.28 | 3.20 | 0.00 | 3.08 | 5.32 |
| Enterprise Value | 13.65B | 11.11B | 10.90B | 3.93B | 5.38B |
| EV to EBITDA | 4.28 | 3.20 | 0.00 | 3.08 | 5.32 |
| EV to Sales | 1.64 | 1.79 | 1.87 | 0.87 | 1.42 |
| EV to Free Cash Flow | 4.71 | -14.92 | -2.45 | -6.01 | 425.55 |
| EV to Operating Cash Flow | 4.50 | -20.00 | -2.55 | -7.79 | 25.41 |
| Tangible Book Value Per Share | 95.22 | 82.23 | 67.69 | 44.26 | 42.07 |
| Shareholders’ Equity Per Share | 99.45 | 85.84 | 70.85 | 47.26 | 45.34 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.24 | 0.25 | 0.34 | 0.38 |
| Revenue Per Share | 63.92 | 47.62 | 44.73 | 34.56 | 29.02 |
| Net Income Per Share | 18.13 | 18.73 | 15.55 | 5.23 | 3.69 |
| Tax Burden | 0.81 | 0.76 | 0.75 | 0.66 | 0.62 |
| Interest Burden | 1.00 | -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 | 0.06 | 0.07 | 0.05 | 0.12 | 0.07 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.28 | -0.17 | -2.11 | -0.49 | 0.27 |
Currency in PLN
