Alior Bank S.A. (ALR) — Financial Flexibility Index

Latest as of June 2026: 0.03x

Alior Bank S.A. (ALR) has a Financial Flexibility Index of 0.03x as of June 2026. Free cash flow of zł3.06 Billion (operating CF zł3.02 Billion minus capex zł45.02 Million) represents 0% of total liabilities (zł94.12 Billion). Check total reinvestment intensity of Alior Bank S.A. to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.03x
Free Cash Flow / Total Liabilities

Free Cash Flow

zł3.06 Billion
Operating CF − Capex

Total Liabilities

zł94.12 Billion
PLN

Capital Expenditures

zł45.02 Million
PLN

Alior Bank S.A. Financial Flexibility Index (2009–2025)

Historical Financial Flexibility Index trend for Alior Bank S.A. across 17 annual periods. For the full cash flow conversion analysis, see ALR cash generation efficiency.

Annual Financial Flexibility Index for Alior Bank S.A. (2009–2025)

Year-by-year free cash flow to debt coverage for Alior Bank S.A.. Explore Alior Bank S.A. (ALR) cash flow to debt to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (PLN) Operating CF Total Liabilities YoY Change
2025 0.05x zł4.65 Billion zł4.51 Billion zł88.79 Billion ▲ +1273.3%
2024 0.00x zł-366.27 Million zł-555.63 Million zł82.09 Billion ▲ +91.2%
2023 -0.05x zł-4.11 Billion zł-4.28 Billion zł80.88 Billion ▼ -999.1%
2022 0.00x zł-354.69 Million zł-504.44 Million zł76.71 Billion ▼ -210.8%
2021 0.00x zł321.90 Million zł194.03 Million zł77.13 Billion ▼ -79.5%
2020 0.02x zł1.47 Billion zł1.38 Billion zł72.08 Billion ▲ +722.5%
2019 0.00x zł-229.13 Million zł-302.19 Million zł69.98 Billion ▼ -125.7%
2018 0.01x zł851.88 Million zł757.54 Million zł66.93 Billion ▲ +270.7%
2017 -0.01x zł-468.37 Million zł-576.22 Million zł62.82 Billion ▲ +78.5%
2016 -0.03x zł-1.91 Billion zł-2.23 Billion zł55.00 Billion ▼ -258.5%
2015 0.02x zł798.00 Million zł742.71 Million zł36.49 Billion ▲ +312.0%
2014 -0.01x zł-280.09 Million zł-302.95 Million zł27.15 Billion ▼ -500.3%
2013 0.00x zł60.21 Million zł10.03 Million zł23.37 Billion ▲ +115.5%
2012 -0.02x zł-325.12 Million zł-374.26 Million zł19.57 Billion ▼ -398.5%
2011 0.01x zł80.27 Million zł25.14 Million zł14.42 Billion ▼ -89.5%
2010 0.05x zł440.14 Million zł392.79 Million zł8.34 Billion ▲ +286.6%
2009 0.01x zł70.78 Million zł-38.37 Million zł5.18 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities