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Ally Financial NYSE:ALLY Stock Report

Last Price

US$36.58

Market Cap

US$11.2b

7D

-3.4%

1Y

32.1%

Updated

13 Nov, 2024

Data

Company Financials +

Ally Financial Inc.

NYSE:ALLY Stock Report

Market Cap: US$11.2b

ALLY Stock Overview

A digital financial-services company, provides various digital financial products and services in the United States, Canada, and Bermuda. More details

ALLY fundamental analysis
Snowflake Score
Valuation3/6
Future Growth4/6
Past Performance1/6
Financial Health6/6
Dividends3/6

Rewards

Trading at 38.8% below our estimate of its fair value

Earnings are forecast to grow 29.24% per year

Risk Analysis

No risks detected for ALLY from our risk checks.

Community Narratives

Create a narrative

Narratives bring a range of perspectives from our community.

WA
WarrenAI
Based on Analyst Price Targets

EV Lease And Finance Expansion Boosts Margins And Fuels Long-Term Growth

Key Takeaways Strategic cost management and r Analysts are assu The analysts have a consensus price target of $40.29 for Ally Financial based on their expectations of its future earnings growth, profit margins and other risk factors. However, there is a degree of disagreement amongst analysts, with the most bullish reporting a price target of $50.0, and the most bearish reporting a price target of just $32.0. In order for you to agree with the analyst's consensus, you'd need to believe that by 2027, revenues will be $9.8 billion, earnings will come to $1.9 billion, and it would be trading on a PE ratio of 8.9x, assuming you use a discount rate of 10.2%.
View narrative
US$40.29
FV
9.2% undervalued intrinsic discount
13.01%
Revenue growth p.a.
0users have liked this narrative
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3users have followed this narrative
Updated narrative

Ally Financial Inc. Competitors

OneMain Holdings

NYSE:OMF

US$6.5b

SLM

NasdaqGS:SLM

US$5.1b

Synchrony Financial

NYSE:SYF

US$25.4b

Qifu Technology

NasdaqGS:QFIN

US$4.8b

Price History & Performance

Summary of all time highs, changes and price drops for Ally Financial
Historical stock prices
Current Share PriceUS$36.58
52 Week HighUS$45.46
52 Week LowUS$26.50
Beta1.39
11 Month Change2.21%
3 Month Change-12.09%
1 Year Change32.11%
33 Year Change-23.79%
5 Year Change18.73%
Change since IPO40.87%

Recent News & Updates

Ally Financial: Shares Are Unlikely To Rebound Until Delinquencies Stabilize

Oct 24

Ally Financial (NYSE:ALLY) Will Pay A Dividend Of $0.30

Oct 13
Ally Financial (NYSE:ALLY) Will Pay A Dividend Of $0.30

Recent updates

Ally Financial: Shares Are Unlikely To Rebound Until Delinquencies Stabilize

Oct 24

Ally Financial (NYSE:ALLY) Will Pay A Dividend Of $0.30

Oct 13
Ally Financial (NYSE:ALLY) Will Pay A Dividend Of $0.30

Ally Financial: Bright Outlook Ahead, But Is Overvalued

Sep 06

Ally Financial (NYSE:ALLY) Has Announced A Dividend Of $0.30

Jul 19
Ally Financial (NYSE:ALLY) Has Announced A Dividend Of $0.30

Ally Financial: Credit Concerns Likely Limit Upside After Q2 Results (Downgrade)

Jul 17

Ally Financial: Improving Credit Metrics, But Caution Is Warranted

Jun 30

Ally Financial (NYSE:ALLY) Is Paying Out A Dividend Of $0.30

Apr 25
Ally Financial (NYSE:ALLY) Is Paying Out A Dividend Of $0.30

Ally Financial: Strong Q1 Results Point To Accelerating Earnings

Apr 19

Ally Financial: Potentially Undervalued And Benefits From Strong Auto Segment Growth

Feb 26

Neutral On Ally Financial Based On My 2025 EPS Forecast Math

Jan 29

Ally Financial Earnings: The Current Narrative Could Change Rather Quickly

Jan 17

Household Financial Distress Is Rising - Short Ally Financial

Jan 09

Ally Financial Is A Risky, Yet Promising Investment

Dec 08

Ally Financial: Driving Forward With A Strong Moat In A High-Yield Environment

Oct 26

Ally Financial's Discount To Tangible Book Makes Little Sense

Oct 19

Ally Financial's (NYSE:ALLY) Dividend Will Be $0.30

Oct 13
Ally Financial's (NYSE:ALLY) Dividend Will Be $0.30

Ally Financial: Collecting The Dividend While The Price Recovers

Oct 11

Ally Is Attractive And A Potential Winner From The Auto Strike

Sep 20

Falling Car Prices Leave Ally Financial Without Proper Collateral

Aug 30

Arch Capital - Ally Financial: Expect Market-Beating Returns Over The Next 3-5 Years

Aug 17

Buy Ally Financial Before Mr. Market Realizes He Has Been Too Pessimistic

Jul 24

Ally Financial (NYSE:ALLY) Is Paying Out A Dividend Of $0.30

Jul 21
Ally Financial (NYSE:ALLY) Is Paying Out A Dividend Of $0.30

Ally Financial: Undervalued Online Bank But Holding Out For A Better Price

Jul 17

Big Banks Have Massive Exposure: A Look At Ally Financial

Jun 16

Ally Financial: Trading Cheaply, But Not Worth Buying

Jun 09

Ally Financial's (NYSE:ALLY) Dividend Will Be $0.30

Apr 21
Ally Financial's (NYSE:ALLY) Dividend Will Be $0.30

Ally Financial: A Risky Play, Unlikely To Work In A Recession

Feb 23

Ally Financial: Be Fearful When Others Are Greedy

Feb 03

Ally Financial's (NYSE:ALLY) Dividend Will Be $0.30

Jan 24
Ally Financial's (NYSE:ALLY) Dividend Will Be $0.30

Ally Financial: It Could Get Worse

Dec 29

Ally Financial a new short idea at Hedgeye

Dec 19

Shareholder Returns

ALLYUS Consumer FinanceUS Market
7D-3.4%-2.0%1.0%
1Y32.1%71.6%33.1%

Return vs Industry: ALLY underperformed the US Consumer Finance industry which returned 71.6% over the past year.

Return vs Market: ALLY matched the US Market which returned 33.1% over the past year.

Price Volatility

Is ALLY's price volatile compared to industry and market?
ALLY volatility
ALLY Average Weekly Movement6.4%
Consumer Finance Industry Average Movement7.3%
Market Average Movement6.2%
10% most volatile stocks in US Market15.6%
10% least volatile stocks in US Market3.0%

Stable Share Price: ALLY has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: ALLY's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
191911,100Michael Rhodeswww.ally.com

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States, Canada, and Bermuda. The company operates through Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations segments. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing.

Ally Financial Inc. Fundamentals Summary

How do Ally Financial's earnings and revenue compare to its market cap?
ALLY fundamental statistics
Market capUS$11.17b
Earnings (TTM)US$775.00m
Revenue (TTM)US$6.76b

14.4x

P/E Ratio

1.6x

P/S Ratio

Is ALLY overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ALLY income statement (TTM)
RevenueUS$6.76b
Cost of RevenueUS$0
Gross ProfitUS$6.76b
Other ExpensesUS$5.99b
EarningsUS$775.00m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)2.54
Gross Margin100.00%
Net Profit Margin11.46%
Debt/Equity Ratio126.2%

How did ALLY perform over the long term?

See historical performance and comparison

Dividends

3.3%

Current Dividend Yield

47%

Payout Ratio

Does ALLY pay a reliable dividends?

See ALLY dividend history and benchmarks
When do you need to buy ALLY by to receive an upcoming dividend?
Ally Financial dividend dates
Ex Dividend DateNov 01 2024
Dividend Pay DateNov 15 2024
Days until Ex dividend13 days
Days until Dividend pay date1 day

Does ALLY pay a reliable dividends?

See ALLY dividend history and benchmarks