Which is better, ALR.WA or IBKD.SI?

On the Buffett-Fit framework, Alior Bank S.A. (ALR.WA) currently grades higher than IBKD.SI — 73/100 (B grade) vs 68/100 (B). That said, "better" depends on which framework you trust — ALR.WA wins on Warren Buffett, Philip Fisher, and Joel Greenblatt; IBKD.SI wins on Benjamin Graham, Peter Lynch, Charlie Munger, and Terry Smith. The full pillar breakdown is on this page.

Should I buy ALR.WA or IBKD.SI?

This page is an educational comparison, not investment advice. Both ALR.WA and IBKD.SI are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is ALR.WA better than IBKD.SI for value investing?

On the Buffett-style value-investing framework, ALR.WA currently grades higher — 73/100 vs 68/100, a 5-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between ALR.WA and IBKD.SI on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). ALR.WA currently scores 73/100 (B grade); IBKD.SI scores 68/100 (B grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, ALR.WA or IBKD.SI?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. ALR.WA and IBKD.SI are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, ALR.WA or IBKD.SI?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are ALR.WA and IBKD.SI both Financial Services stocks?

Yes — both Alior Bank S.A. (ALR.WA) and i BBCA ID SDR 1to2 (IBKD.SI) operate in the Financial Services sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this ALR.WA vs IBKD.SI comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Alior Bank

ALR.WA$17.62BFinancials Market cap, Sector

i BBCA ID SDR 1to2

IBKD.SI$110.59BFinancials Market cap, Sector

Overall winner

Alior Bank

ALR.WA 34 IBKD.SI

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

Fit scores by strategy

ALR.WA3wins

4winsIBKD.SI

Warren Buffett

73B

C68

Benjamin Graham

36F

C68

Philip Fisher

75B

C69

Peter Lynch

49D

D52

Joel Greenblatt

98A

F27

Charlie Munger

65C

C69

Terry Smith

70B

B72

Side-by-side metrics

Metric	ALR.WA	IBKD.SI
Market cap	$17.62B	$110.59B Winner
P/E (TTM)	Winner: 6.9x	26.2x
EV/EBIT	-	-
ROIC (TTM)	-	-
Gross margin	-	-
Net margin	38.23%	50.33% Winner
Revenue CAGR 5y	Winner: 11.13%	8.49%
EPS CAGR 5y	Winner: 51.32%	12.21%
Debt / Equity	0.2x	0.0x Winner
Dividend yield	-	-

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

ALR.WA leads on

EPS CAGR 5y51.32%vs 12.21%+76%
P/E (TTM)6.9xvs 26.2x+73%
Revenue CAGR 5y11.13%vs 8.49%+24%

IBKD.SI leads on

Debt / Equity0.0xvs 0.2x+96%
Market cap$110.59Bvs $17.62B+84%
Net margin50.33%vs 38.23%+24%

More like ALR.WA

ALR.WA vs FBK.MI ALR.WA vs AZA.ST ALR.WA vs BGN.MI ALR.WA vs CPI.JO

More like IBKD.SI

IBKD.SI vs FBK.MI IBKD.SI vs AZA.ST IBKD.SI vs BGN.MI IBKD.SI vs CPI.JO

Read the full Buffett-Brain analysis for ALR.WA Read the full Buffett-Brain analysis for IBKD.SI

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.

Stock comparison

Alior Bank

ALR.WA$17.62BFinancials Market cap, Sector

i BBCA ID SDR 1to2

IBKD.SI$110.59BFinancials Market cap, Sector

Overall winner

Alior Bank

ALR.WA 34 IBKD.SI

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

Fit scores by strategy

ALR.WA3wins

4winsIBKD.SI

Warren Buffett

73B

C68

Benjamin Graham

36F

C68

Philip Fisher

75B

C69

Peter Lynch

49D

D52

Joel Greenblatt

98A

F27

Charlie Munger

65C

C69

Terry Smith

70B

B72

Side-by-side metrics

Metric	ALR.WA	IBKD.SI
Market cap	$17.62B	$110.59B Winner
P/E (TTM)	Winner: 6.9x	26.2x
EV/EBIT	-	-
ROIC (TTM)	-	-
Gross margin	-	-
Net margin	38.23%	50.33% Winner
Revenue CAGR 5y	Winner: 11.13%	8.49%
EPS CAGR 5y	Winner: 51.32%	12.21%
Debt / Equity	0.2x	0.0x Winner
Dividend yield	-	-

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

ALR.WA leads on

EPS CAGR 5y51.32%vs 12.21%+76%
P/E (TTM)6.9xvs 26.2x+73%
Revenue CAGR 5y11.13%vs 8.49%+24%

IBKD.SI leads on

Debt / Equity0.0xvs 0.2x+96%
Market cap$110.59Bvs $17.62B+84%
Net margin50.33%vs 38.23%+24%

More like ALR.WA

ALR.WA vs FBK.MI ALR.WA vs AZA.ST ALR.WA vs BGN.MI ALR.WA vs CPI.JO

More like IBKD.SI

IBKD.SI vs FBK.MI IBKD.SI vs AZA.ST IBKD.SI vs BGN.MI IBKD.SI vs CPI.JO

Read the full Buffett-Brain analysis for ALR.WA Read the full Buffett-Brain analysis for IBKD.SI

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.