About Alior Bank S.A. (ALORY) — Dividend Analysis 2026
Alior Bank S.A. provides banking products and services to individuals, businesses, and enterprises in Poland. The company operates through three segments: Retail, Business, and Treasury Activities. The company offers personal, savings, and subsidiary accounts; term and savings deposit products; cash, mortgage, working capital, and investment loans; credit cards; brokerage products and investment funds; and derivative instruments, as well as currency exchange transaction and current account overdraft services, and cash deposit, withdrawal, and transfer services. It also engages in the debt collection and asset management activities; management of collective security portfolios and financial instruments; activities of insurance agents and broker; activities related to risk assessment; finance of fixed assets and lease loans; and provision IT consulting and related services. Alior Bank S.A. was founded in 2008 and is based in Warsaw, Poland.
Is ALORY a good dividend investment in 2026?
ALORY offers a 8.54% forward yield with a 50% payout ratio. Strand Safety Score: 85/100 (Very Safe). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
ALORY DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your ALORY portfolio grows to $11.14M vs $10.25M without reinvestment. This is the compound interest effect in action.
ALORY dividend growth history & forecast
ALORY has grown its dividend by 0% over the last year and 0% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 8.54%.
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 ALORY Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold ALORY.
Gross yield
8.54%
Tax rate
15.00%
After-tax yield
7.26%
Real yield (−CPI)
4.46%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
8.54%
5.74%
$854 / yr
🇺🇸 US Taxable (15%) ✓
15%
7.26%
4.46%
$726 / yr
🇺🇸 US Taxable (20%)
20%
6.83%
4.03%
$683 / yr
🇬🇧 UK ISA
0%
8.54%
5.74%
$854 / yr
🇬🇧 UK Taxable
8.75%
7.79%
4.99%
$779 / yr
🇨🇦 TFSA
0%
8.54%
5.74%
$854 / yr
🇨🇦 CA Taxable
25%
6.40%
3.60%
$641 / yr
🇦🇺 Super (pension)
15%
7.26%
4.46%
$726 / yr
🇦🇺 AU Taxable
30%
5.98%
3.18%
$598 / yr
🇩🇪 DE Taxable
26.375%
6.29%
3.49%
$629 / yr
🇫🇷 FR Taxable
30%
5.98%
3.18%
$598 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 ALORY Income Goal & Break-Even
Dividend Break-Even
14yr
Years for dividends to fully repay your ALORY investment of $14.74/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$7.7K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$5.2K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in ALORY for:
Shares needed
22,441
Capital required
$330,780
Monthly income
$2,000
Based on current dividend of $1.26/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 ALORY Dividend Payment Schedule
ALORY pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$2.67 / payment
$10.69 / year after tax
100 shares
$26.74 / payment
$106.95 / year after tax
1,000 shares
$267.37 / payment
$1069.48 / year after tax
📊 ALORY vs Financial Services Benchmarks
How ALORY compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+5.64% vs sectorBetter
ALORY
8.54%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
ALORY
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
ALORY
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for ALORY sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ ALORY Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
0.42
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
5/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the ALORY dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →