Ally Financial（ALLY）株式概要
デジタル金融サービス会社であるアリー・ファイナンシャル・インクは、米国とカナダで様々なデジタル金融商品・サービスを提供している。 詳細
報酬
リスク分析
リスクチェックの結果、ALLY 、リスクは検出されなかった。
ALLY Community Fair Values
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Analyst Price Targets
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Ally Financial
16.3% 割安 内在価値ディスカウント
Ally Financial’s Strategic Shifts Signal Potential Growth
View narrativeUN
Published 9 Jan 2025
Ally Financial Inc. 競合他社
価格と性能
| 過去の株価 | |
|---|---|
| 現在の株価 | US$41.83 |
| 52週高値 | US$47.29 |
| 52週安値 | US$35.92 |
| ベータ | 1.07 |
| 1ヶ月の変化 | -4.48% |
| 3ヶ月変化 | -3.82% |
| 1年変化 | 1.75% |
| 3年間の変化 | 47.55% |
| 5年間の変化 | -20.28% |
| IPOからの変化 | 61.08% |
最新ニュース
Recent updates
ナラティブ更新 • Jul 27
ALLY: Future Returns Will Turn On Credit Discipline And Funding Cost Control
The analyst price target for Ally Financial has been trimmed by about $1 to reflect slightly lower fair value estimates and reduced net interest income growth assumptions from recent Street research, even as several firms maintain positive views on the company's earnings power. Analyst Commentary Street research on Ally Financial reflects a mixed picture, with some firms trimming price targets and earnings expectations even as others reiterate constructive views after the recent Q2 update.Seeking Alpha • Jul 21
Ally Financial: Upside Limited By Capital And Potential Rate Hikes
Summary Ally Financial remains a 'hold' as credit risk and aggressive capital management constrain valuation despite stable credit trends and solid loan growth. Q2 EPS missed by a penny, with revenue up 10% and net interest margin rising to 3.63%, but charge-offs and delinquencies indicate stabilization rather than improvement. ALLY benefits from Fed rate cuts due to its fixed-rate loan book and floating deposit base but faces NIM pressure if rate hikes resume. With shares trading at ~9x 2026E earnings, I see rangebound performance; buy below $40, sell above $50. Read the full article on Seeking Alphaナラティブ更新 • Jul 13
ALLY: Future Returns Will Depend On Credit Costs And Funding Mix Execution
The analyst price target for Ally Financial has been raised by about $1.70 to $47.70. This increase is supported by analyst models that reflect updated views on revenue growth, profit margins, valuation multiples, and commentary around healthy credit metrics and loan growth ahead of upcoming earnings.
ナラティブ更新 • Jun 29
ALLY: Earnings Execution And New Brand Platform Will Drive Future Upside
The analyst price target for Ally Financial has been updated to $58 from $64.25. Analysts cite adjustments in fair value, discount rate, revenue growth, profit margin, and future P/E assumptions, along with recent Street research that includes both upward and downward target revisions ahead of upcoming earnings.分析記事 • Jun 21
Ally Financial (ALLY) Stock Could Be 15.8% Undervalued on Its Digital Banking Narrative
Recent Performance Snapshot Ally Financial (ALLY) has drawn investor attention after a period of mixed share performance, with the stock roughly flat year to date while showing gains over the past month and past 3 months. See our latest analysis for Ally Financial. At a share price of $45.49, Ally Financial has seen short term momentum build, with a 7.41% 30 day share price return and a 15.99% 90 day share price return. Longer term total shareholder returns of 26.84% over 1 year and 90.65%...ナラティブ更新 • Jun 15
ALLY: Earnings Execution And Digital Brand Positioning Will Drive Future Upside
Analysts have nudged their price targets on Ally Financial higher, with several recent increases ranging from $1 to $8. These changes reflect updated views on the company's earnings potential and slightly revised assumptions for discount rate, revenue growth, profit margin, and future P/E.ナラティブ更新 • 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.ナラティブ更新 • 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.
ナラティブ更新 • 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.ナラティブ更新 • 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.ナラティブ更新 • 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.ナラティブ更新 • 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.ナラティブ更新 • 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.ナラティブ更新 • 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.ナラティブ更新 • 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.ナラティブ更新 • 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.ナラティブ更新 • 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.ナラティブ更新 • 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.ナラティブ更新 • 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.ナラティブ更新 • 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.ナラティブ更新 • 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.ナラティブ更新 • 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.分析記事 • 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...ナラティブ更新 • 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.ナラティブ更新 • 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.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 Alpha株主還元
| ALLY | US Consumer Finance | US 市場 | |
|---|---|---|---|
| 7D | -1.9% | -2.1% | -0.2% |
| 1Y | 1.8% | -3.0% | 14.8% |
業界別リターン: ALLY過去 1 年間で-3 % の収益を上げたUS Consumer Finance業界を上回りました。
リターン対市場: ALLYは、過去 1 年間で14.8 % のリターンを上げたUS市場を下回りました。
価格変動
| ALLY volatility | |
|---|---|
| ALLY Average Weekly Movement | 3.6% |
| Consumer Finance Industry Average Movement | 7.1% |
| Market Average Movement | 6.9% |
| 10% most volatile stocks in US Market | 15.5% |
| 10% least volatile stocks in US Market | 2.9% |
安定した株価: ALLY 、 US市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。
時間の経過による変動: ALLYの 週次ボラティリティ ( 4% ) は過去 1 年間安定しています。
会社概要
| 設立 | 従業員 | CEO（最高経営責任者 | ウェブサイト |
|---|---|---|---|
| 1919 | 10,300 | Michael Rhodes | www.ally.com |
デジタル金融サービス会社であるアリー・ファイナンシャル・インクは、米国およびカナダにおいて様々なデジタル金融商品・サービスを提供している。自動車ファイナンス事業、保険事業、コーポレート・ファイナンス事業を通じて事業を展開している。同社は自動車ファイナンス・サービスを提供しており、これには小売店向け割賦販売契約、ローン、オペレーティング・リース、ディーラー向けターム・ローン、ディーラー向けフロアプランおよびその他の融資枠、自動車小売店向けウェアハウス・ライン、フリート・ファイナンスの提供、企業や自治体向け車両購入またはリースに関するファイナンス・サービス、車両再マーケティング・サービスなどが含まれる。また、自動車ディーラーチャネルを通じて消費者金融保護・保険商品、ディーラーに直接商業保険商品、VSC、VMC、GAP商品を提供し、主にディーラーの車両在庫を保証する厳選された商業保険の引き受けも行っている。加えて、中堅企業向けに有担保資産担保ローンおよびレバレッジド・キャッシュフロー・ローン、レバレッジド・ローン、介護施設、高齢者住宅、医療オフィスビル関連企業向けの商業用不動産商品、現金および企業投資証券、ローン・ポートフォリオ、短期および長期債務、リテールおよび仲介預金負債、デリバティブ商品、オリジナル・イシュー・ディスカウント、株式投資の管理などの財務業務も提供している。さらに、預金、証券仲介、投資顧問サービスも提供している。以前はGMAC Inc.として知られ、2010年5月にアリー・ファイナンシャル Inc.に社名変更した。アリー・ファイナンシャ ルは1919 年に設立され、ミシガン州デトロイトに本拠を置く。
Ally Financial Inc. 基礎のまとめ
| ALLY 基礎統計学 | |
|---|---|
| 時価総額 | US$12.73b |
| 収益（TTM） | US$1.33b |
| 売上高(TTM) | US$7.90b |
9.5x
PER（株価収益率1.6x
P/SレシオALLY は割高か？
公正価値と評価分析を参照収益と収入
| ALLY 損益計算書（TTM） | |
|---|---|
| 収益 | US$7.90b |
| 売上原価 | US$0 |
| 売上総利益 | US$7.90b |
| その他の費用 | US$6.57b |
| 収益 | US$1.33b |
直近の収益報告
Jun 30, 2026
次回決算日
該当なし
| 一株当たり利益（EPS） | 4.41 |
| グロス・マージン | 100.00% |
| 純利益率 | 16.83% |
| 有利子負債／自己資本比率 | 148.3% |
ALLY の長期的なパフォーマンスは？
過去の実績と比較を見る配当金
2.9%
現在の配当利回り28%
配当性向企業分析と財務データの現状
| データ | 最終更新日（UTC時間） |
|---|---|
| 企業分析 | 2026/09/09 10:08 |
| 終値 | 2026/09/09 00:00 |
| 収益 | 2026/06/30 |
| 年間収益 | 2025/12/31 |
データソース
企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。
| パッケージ | データ | タイムフレーム | 米国ソース例 |
|---|---|---|---|
| 会社財務 | 10年 |
| |
| アナリストのコンセンサス予想 | +プラス3年 |
|
|
| 市場価格 | 30年 |
| |
| 所有権 | 10年 |
| |
| マネジメント | 10年 |
| |
| 主な進展 | 10年 |
|
* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。
特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。
分析モデルとスノーフレーク
このレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。
シンプリー・ウォールストリート分析モデルを設計・構築した ご紹介します。
業界およびセクターの指標
私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。
アナリスト筋
Ally Financial Inc. 17 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。33
| アナリスト | 機関 |
|---|---|
| Jason Goldberg | Barclays |
| Kevin St. Pierre | Bernstein |
| James Fotheringham | BMO Capital Markets Equity Research |