Ally Financial (ALLY) Panoramica del titolo
Ally Financial Inc. è una società di servizi finanziari digitali e fornisce vari prodotti e servizi finanziari digitali negli Stati Uniti e in Canada. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 5/6 |
| Crescita futura | 1/6 |
| Prestazioni passate | 4/6 |
| Salute finanziaria | 6/6 |
| Dividendi | 5/6 |
Premi
Analisi del rischio
Non sono stati rilevati rischi per ALLY dai nostri controlli di rischio.
ALLY Community Fair Values
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Analyst Price Targets
Top Community Narratives
US$50
FV
16.2% sottovalutato sconto intrinseco18.57%
Revenue growth p.a.
56
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4users have followed this narrative
Concorrenti di Ally Financial Inc.
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | US$41.88 |
| Massimo di 52 settimane | US$47.27 |
| Minimo di 52 settimane | US$35.90 |
| Beta | 1.09 |
| Variazione di 1 mese | -2.01% |
| Variazione a 3 mesi | 13.68% |
| Variazione di 1 anno | 11.98% |
| Variazione a 3 anni | 47.62% |
| Variazione a 5 anni | -20.91% |
| Variazione dall'IPO | 61.28% |
Notizie e aggiornamenti recenti
Aggiornamento della narrazione • Jun 01
ALLY: Capital Return And Digital Brand Execution Will Drive Future Upside
Analysts have raised their average price target on Ally Financial by $1, reflecting updated views on fair value, discount rate assumptions, projected revenue growth, profit margin outlook and future P/E expectations. Analyst Commentary Recent Street research on Ally Financial shows a mix of higher and lower price targets, with several bullish analysts lifting their fair value estimates and a smaller group trimming targets, including JPMorgan and Evercore ISI.Seeking Alpha • May 29
Ally Financial: Macro Headwinds Evident, But Structural Strength And Valuation Are Appreciated
Summary Ally Financial demonstrates resilience amid macroeconomic volatility, maintaining profitability and disciplined credit management despite inflationary pressures. ALLY's valuation remains attractive, trading at 10.47x EPS and below its five-year average, with a DDM-derived target price of $55.17. Structural strengths include secured, necessity-driven auto loans, a vast dealership network, and diversified, asset-light operations supporting sustainable growth. Technical indicators remain bullish post-selloff, with new entry points emerging and buying volume increasing; I reiterate my buy rating. Read the full article on Seeking Alpha
Aggiornamento della narrazione • May 17
ALLY: Future Returns Will Hinge On Credit Quality And Capital Return Choices
Ally Financial's updated analyst price target has shifted to $46.00, with analysts pointing to adjusted discount rate assumptions, slightly lower revenue growth and profit margin expectations, and a modestly lower future P/E multiple to explain the change. Analyst Commentary Street research on Ally Financial has been active, with several firms adjusting their price targets both higher and lower in recent reports.Recent updates
Aggiornamento della narrazione • Jun 01
ALLY: Capital Return And Digital Brand Execution Will Drive Future Upside
Analysts have raised their average price target on Ally Financial by $1, reflecting updated views on fair value, discount rate assumptions, projected revenue growth, profit margin outlook and future P/E expectations. Analyst Commentary Recent Street research on Ally Financial shows a mix of higher and lower price targets, with several bullish analysts lifting their fair value estimates and a smaller group trimming targets, including JPMorgan and Evercore ISI.Seeking Alpha • May 29
Ally Financial: Macro Headwinds Evident, But Structural Strength And Valuation Are Appreciated
Summary Ally Financial demonstrates resilience amid macroeconomic volatility, maintaining profitability and disciplined credit management despite inflationary pressures. ALLY's valuation remains attractive, trading at 10.47x EPS and below its five-year average, with a DDM-derived target price of $55.17. Structural strengths include secured, necessity-driven auto loans, a vast dealership network, and diversified, asset-light operations supporting sustainable growth. Technical indicators remain bullish post-selloff, with new entry points emerging and buying volume increasing; I reiterate my buy rating. Read the full article on Seeking AlphaAggiornamento della narrazione • May 17
ALLY: Future Returns Will Hinge On Credit Quality And Capital Return Choices
Ally Financial's updated analyst price target has shifted to $46.00, with analysts pointing to adjusted discount rate assumptions, slightly lower revenue growth and profit margin expectations, and a modestly lower future P/E multiple to explain the change. Analyst Commentary Street research on Ally Financial has been active, with several firms adjusting their price targets both higher and lower in recent reports.
Aggiornamento della narrazione • May 02
ALLY: Execution On Credit Discipline Will Support Future Re Rating Path
Narrative Update Ally Financial's updated fair value estimate has moved from $51.89 to $54.01 as analysts adjust price targets across the Street, citing a different balance of expected revenue growth, profit margins, and an updated future P/E assumption. Analyst Commentary Recent Street research on Ally Financial highlights a mix of optimism and caution, with several firms adjusting price targets in both directions over the latest review period.Aggiornamento della narrazione • Apr 18
ALLY: Buybacks And Credit Discipline Will Support A Future Re Rating Path
Ally Financial's updated analyst price target edges slightly lower to about $51.89, reflecting analysts' recent mix of modest target cuts and occasional raises as they weigh steady fair value estimates, a small change in discount rate, and slight adjustments to growth, margin, and future P/E assumptions. Analyst Commentary Recent Street research on Ally Financial highlights a mix of optimism and caution, reflected in several small target raises and cuts clustered over the last few months.Aggiornamento della narrazione • Apr 04
ALLY: Buybacks And ROTCE Progress Will Support A Future Re Rating Path
Analysts have nudged their average price target for Ally Financial slightly lower, trimming fair value to about $52.12 as they factor in more moderate revenue growth assumptions, marginally softer profit margins, a slightly lower discount rate, and a modestly reduced future P/E, reflecting recent mixed sector commentary and a series of fine tuned target changes across the consumer finance group. Analyst Commentary Recent research on Ally Financial reflects a mix of optimism around earnings power and capital return, alongside fresh caution tied to sector wide risks and policy headlines.Aggiornamento della narrazione • Mar 20
ALLY: Capital Return And ROTCE Re Rating Will Drive Future Upside
Ally Financial's updated analyst fair value moves from $56.49 to $63.24, as analysts factor in sector wide price target revisions, shifting assumptions around future P/E and profitability, and ongoing debates about credit risk and consumer finance regulation. Analyst Commentary Recent Street research around Ally Financial shows a mix of caution around consumer finance as a group and pockets of clear optimism on Ally's specific setup.Aggiornamento della narrazione • Mar 06
ALLY: Buybacks And ROTCE Execution Will Support A Constructive Re Rating Path
Analysts have slightly reduced their price target on Ally Financial, with fair value decreasing by about $0.29 to $52.76. This adjustment reflects a marginally lower discount rate and refined assumptions around future earnings multiples in a more challenging consumer finance environment.Aggiornamento della narrazione • Feb 20
ALLY: Future Returns Will Depend On Credit Quality And Capital Return Execution
Narrative Update: Analyst Price Target Revision Ally Financial's updated analyst price target reflects a mixed set of recent revisions. Some firms trimmed targets by $1 to $2, while others lifted them by $5 to $9, as analysts balance expectations for stable consumer fundamentals, potential credit and regulatory risks, and company-specific return on equity improvement plans.Aggiornamento della narrazione • Feb 06
ALLY: Future Returns Will Hinge On Credit Trends And Balance Sheet Cleanup
Analysts have lifted their fair value estimate for Ally Financial from $37.00 to $46.00, reflecting a shift toward higher target prices across recent research. This research points to resilient consumer fundamentals, expectations for improving credit metrics, and a higher assumed future P/E multiple, despite some firms trimming near term revenue growth and profit margin assumptions.Aggiornamento della narrazione • Jan 23
ALLY: Buybacks And ROTCE Improvements Will Drive A Constructive Re Rating Path
Narrative Update: Ally Financial Analysts have raised their blended price target on Ally Financial by about US$2 to roughly US$53, reflecting updated assumptions for slightly stronger revenue growth, higher profit margins, and a lower future P/E multiple. This view is supported by recent research that highlights steady fundamentals, improving credit metrics, and ongoing return on tangible equity initiatives across the consumer and specialty finance group.Aggiornamento della narrazione • Jan 08
ALLY: Credit Risk And Buybacks Will Shape A Cautious ROTCE Re Rating Path
Narrative Update The analyst price target for Ally Financial has moved from about US$48.60 to roughly US$51.20, as analysts factor in updated fair value estimates, modest adjustments to revenue growth and profitability assumptions, and a slightly higher future P/E expectation supported by recent research commentary. Analyst Commentary Recent Street research on Ally Financial reflects a mix of optimism around returns and earnings power, alongside caution around credit quality and near term earnings risk.Aggiornamento della narrazione • Dec 16
ALLY: Improving Credit Trends And Buybacks Will Shape A Measured Upside Path
Analysts have nudged their price target on Ally Financial modestly higher, with fair value rising by about $0.53 to approximately $48.59 per share as they factor in slightly stronger revenue growth, marginally better profit margins, and improving credit dynamics supported by recent research commentary. Analyst Commentary Recent Street research presents a generally constructive outlook on Ally Financial, with most firms highlighting improving credit trends, supportive rate dynamics, and the potential for earnings upside, even as some near term execution risks and modest estimate cuts temper enthusiasm.Aggiornamento della narrazione • Dec 02
ALLY: Improving Credit Trends And Auto Tariffs Will Drive Shares Higher
Ally Financial’s consensus analyst price target has risen modestly, supported by analysts’ outlook for improved credit performance and resilience in auto finance as industry conditions evolve. Analyst Commentary Recent analyst commentary on Ally Financial reflects both optimism and caution as the company navigates evolving conditions in the auto finance sector.Aggiornamento della narrazione • Nov 18
ALLY: Improving Credit Performance Will Drive Shares Higher Through Year Ahead
Analysts have modestly increased their price target for Ally Financial, raising it from $42 to $43. They cite expectations for improved credit performance and potential upside from favorable auto market trends.Aggiornamento della narrazione • Nov 04
ALLY: Shares Will Benefit From Improving Auto Credit Trends
Analysts have slightly increased their price target for Ally Financial, with updated expectations rising by $0.35 per share. This change is based on ongoing improvements in credit trends and the potential benefits of stabilizing auto markets.Aggiornamento della narrazione • Oct 21
Analyst Commentary Highlights Rising Price Targets and Improved Credit Outlook for Ally Financial
Analysts have raised their average price target for Ally Financial by approximately $0.59 to $47.71, citing improving credit trends and reduced downside risk as key factors in the revision. Analyst Commentary Recent analyst commentary on Ally Financial reflects a mix of optimism and caution, with attention focused on the company's evolving credit landscape and its implications for valuation and earnings growth.Articolo di analisi • Oct 12
Ally Financial (NYSE:ALLY) Is Due To Pay A Dividend Of $0.30
Ally Financial Inc.'s ( NYSE:ALLY ) investors are due to receive a payment of $0.30 per share on 14th of November. This...Aggiornamento della narrazione • Sep 18
Digital Banking And Auto Finance Will Define A Bright Future
Analysts have modestly raised Ally Financial's price target to $47.12, citing improving auto credit quality, a more stable macro environment, and enhanced net interest margins from lower online deposit rates. Analyst Commentary Bullish analysts point to improving auto credit quality and positive trends in year-over-year delinquencies and charge-offs.Aggiornamento della narrazione • Sep 03
Digital Banking And Auto Finance Will Define A Bright Future
Supported by improving credit performance, lower macro risks, and strategic actions that bolster profitability and NIM outlook, analysts modestly raised Ally Financial’s consensus price target from $46.00 to $46.47. Analyst Commentary Diminished interest rate and macroeconomic risks have improved outlook on profitability and reduced left-tail risk scenarios.Articolo di analisi • Jul 21
Ally Financial (NYSE:ALLY) Will Pay A Dividend Of $0.30
The board of Ally Financial Inc. ( NYSE:ALLY ) has announced that it will pay a dividend of $0.30 per share on the 15th...Seeking Alpha • Apr 25
Ally Financial: It's Fairly Valued But Beware Of Tariffs And Technical Risks
Summary Ally Financial shows strong liquidity and capital adequacy, with a loan-to-deposit ratio of 88% and a CET 1 ratio of 9.5%. Despite a decrease in interest income and non-interest revenue, net interest income remains manageable due to lower interest expenses. Heavy reliance on consumer auto loans and exposure to tariffs pose significant risks, potentially affecting loan volumes and residual values. ALLY is cheaper than in previous years but offers limited upside—technical indicators suggest waiting for more confirmation before buying. Read the full article on Seeking AlphaSeeking Alpha • Feb 24
Ally Financial: Planned Credit Card Business Sale Shows Renewed Focus On Core Business
Summary Ally Financial is exiting the credit card business to focus on core operations like car loans, aiming to recover from recent struggles. With a low price/book ratio, Ally's Forward P/E of 10.46 suggests potential value, especially with share repurchases on the horizon. The sale of the credit card business is expected to be income-neutral, adding $1 per share to tangible book value without impacting pretax income. While ALLY's dividend yield is modest, the focus on car loans and deposit growth could drive profitability, though interest rate and market risks remain. Read the full article on Seeking AlphaSeeking Alpha • Jan 24
Ally Financial: Asset Sale Should Not Outweigh A Mixed Outlook
Summary Ally Financial Inc.'s Q4 results alleviated some credit loss concerns, but ongoing elevated delinquencies and uncertain 2025 outlook warrant a cautious “hold” rating. Lower provisions boosted earnings, but credit performance remains “choppy” with delinquencies still elevated, necessitating excess reserves. The sale of Ally's credit card business supports capital but reduces net interest margins; the company has been steadily reducing risk-weighted assets to support capital. 2025 guidance suggests flattish charge-offs and modest NIM expansion, but achieving consensus EPS may be challenging without significant credit improvement. Read the full article on Seeking AlphaSeeking Alpha • Dec 26
Ally Financial: Holding Out For Stronger Loan Growth, Better Profit Margin
Summary Ally Financial gets upgraded to a hold, from my prior sell rating, as the share price trades below its moving average and remains undervalued. Future revenue growth estimates are weak vs peers, and the bank has had a declining growth trend in consumer loans its major business. The firm's profit margin could be stronger in comparison vs peers. Dividends have not grown in a few years. Otherwise, Ally is a top 25 US bank with stable credit ratings and adequate regulatory capital (CET1). Read the full article on Seeking AlphaSeeking Alpha • Oct 24
Ally Financial: Shares Are Unlikely To Rebound Until Delinquencies Stabilize
Summary Ally Financial's recent poor performance is due to rising credit costs, as delinquencies continue to increase. Q3 earnings were inflated by tax benefits, masking underlying issues like higher charge-offs and disappointing interest margins. Credit costs and delinquencies are rising, leading to increased reserves and a cautious outlook that now extends into 2025. Given limited upside and disappointing performance, I maintain a "hold" rating, with potential to buy if shares drop to $33. Read the full article on Seeking AlphaSeeking Alpha • Sep 06
Ally Financial: Bright Outlook Ahead, But Is Overvalued
Summary Ally Financial has experienced strong stock performance, outperforming the S&P 500 and the Bank Index due to dovish monetary policy expectations. Despite positive outlooks and strategic improvements, ALLY's current valuation suggests overvaluation, with a price-to-book ratio higher than its historical average. Interest rate cuts could benefit Ally, but the stock's current valuation lacks a margin of safety, making it less attractive for new positions. Therefore, I rate the stock as hold. Read the full article on Seeking Alpha
Nuova narrazione • Aug 22
Calculated Shifts And Capital Management Fuel Financial Stability And Expansion
Strategic capital management through CRTs enhances Ally Financial's balance sheet efficiency and financial stability by better risk management and freeing up capital.Rendimenti per gli azionisti
| ALLY | US Consumer Finance | US Mercato | |
|---|---|---|---|
| 7D | 2.3% | 0.5% | -3.3% |
| 1Y | 12.0% | 1.9% | 22.3% |
Ritorno vs Industria: ALLY ha superato il US Consumer Finance che ha restituito 1.9 % nell'ultimo anno.
Rendimento vs Mercato: ALLY ha avuto una performance inferiore al mercato US che ha registrato un rendimento 22.3 % nell'ultimo anno.
Volatilità dei prezzi
| ALLY volatility | |
|---|---|
| ALLY Average Weekly Movement | 4.6% |
| Consumer Finance Industry Average Movement | 6.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.1% |
Prezzo delle azioni stabile: ALLY non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.
Volatilità nel tempo: La volatilità settimanale ( 5% ) di ALLY è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 1919 | 10,300 | Michael Rhodes | www.ally.com |
Ally Financial Inc. è una società di servizi finanziari digitali e fornisce vari prodotti e servizi finanziari digitali negli Stati Uniti e in Canada. L'azienda opera attraverso le attività di finanziamento per il settore automobilistico, le attività di assicurazione e le attività di finanza aziendale. Offre servizi di finanziamento per il settore automobilistico, tra cui la fornitura di contratti di vendita rateali al dettaglio, prestiti e leasing operativi, prestiti a termine per i concessionari, piani di finanziamento per i concessionari e altre linee di credito per i concessionari, linee di magazzino per i rivenditori di autoveicoli e finanziamenti per le flotte; servizi di finanziamento per le aziende e le municipalità per l'acquisto o il leasing di veicoli e servizi di ricommercializzazione dei veicoli.
Ally Financial Inc. Riepilogo dei fondamenti
| ALLY statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | US$13.29b |
| Utili (TTM) | US$1.29b |
| Ricavi(TTM) | US$7.69b |
10.0x
Rapporto P/E1.7x
Rapporto P/SALLY è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| ALLY Conto economico (TTM) | |
|---|---|
| Ricavi | US$7.69b |
| Costo del fatturato | US$0 |
| Profitto lordo | US$7.69b |
| Altre spese | US$6.40b |
| Utili | US$1.29b |
Ultimi utili riportati
Mar 31, 2026
Prossima data di guadagno
n/a
| Utile per azione (EPS) | 4.20 |
| Margine lordo | 100.00% |
| Margine di profitto netto | 16.73% |
| Rapporto debito/patrimonio netto | 137.6% |
Come si è comportato ALLY nel lungo periodo?
Vedi performance storica e confrontoDividendi
2.9%
Rendimento attuale del dividendo29%
Rapporto di remunerazioneAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/06/10 22:58 |
| Prezzo dell'azione a fine giornata | 2026/06/10 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
|
| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
|
* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Ally Financial Inc. è coperta da 32 analisti. 16 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Jason Goldberg | Barclays |
| Kevin St. Pierre | Bernstein |
| James Fotheringham | BMO Capital Markets Equity Research |