View ValuationAlly Financial 향후 성장Future 기준 점검 1/6Ally Financial (는) 각각 연간 10.8% 및 7.5% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 13.1% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 12.3% 로 예상됩니다.핵심 정보10.8%이익 성장률13.12%EPS 성장률Consumer Finance 이익 성장19.1%매출 성장률7.5%향후 자기자본이익률12.33%애널리스트 커버리지Good마지막 업데이트08 Jul 2026최근 향후 성장 업데이트Major Estimate Revision • Oct 24Consensus EPS estimates increase by 10%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate increased from US$2.31 to US$2.54. Revenue forecast steady at US$8.02b. Net income forecast to grow 289% next year vs 20% growth forecast for Consumer Finance industry in the US. Consensus price target broadly unchanged at US$48.06. Share price rose 5.0% to US$41.81 over the past week.Major Estimate Revision • Jul 20Consensus EPS estimates increase by 12%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate increased from US$2.05 to US$2.30. Revenue forecast steady at US$8.01b. Net income forecast to grow 389% next year vs 19% growth forecast for Consumer Finance industry in the US. Consensus price target up from US$43.17 to US$45.47. Share price was steady at US$39.88 over the past week.Major Estimate Revision • Apr 24Consensus EPS estimates fall by 33%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has deteriorated. 2025 revenue forecast decreased from US$8.45b to US$8.00b. EPS estimate also fell from US$3.13 per share to US$2.11 per share. Net income forecast to grow 367% next year vs 19% growth forecast for Consumer Finance industry in the US. Consensus price target broadly unchanged at US$41.72. Share price was steady at US$32.06 over the past week.Major Estimate Revision • Jan 29Consensus EPS estimates fall by 13%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has deteriorated. 2025 revenue forecast decreased from US$8.76b to US$8.57b. EPS estimate also fell from US$4.23 per share to US$3.66 per share. Net income forecast to grow 107% next year vs 29% growth forecast for Consumer Finance industry in the US. Consensus price target up from US$42.89 to US$44.63. Share price rose 2.3% to US$39.06 over the past week.Major Estimate Revision • Oct 25Consensus EPS estimates increase by 14%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate increased from US$2.52 to US$2.88. Revenue forecast steady at US$8.13b. Net income forecast to grow 59% next year vs 21% growth forecast for Consumer Finance industry in the US. Consensus price target broadly unchanged at US$40.18. Share price fell 3.8% to US$34.49 over the past week.Major Estimate Revision • Sep 16Consensus EPS estimates fall by 13%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate fell from US$3.22 to US$2.80 per share. Revenue forecast steady at US$8.18b. Net income forecast to grow 73% next year vs 20% growth forecast for Consumer Finance industry in the US. Consensus price target down from US$46.90 to US$42.64. Share price fell 17% to US$33.03 over the past week.모든 업데이트 보기Recent updates내러티브 업데이트 • Jun 29ALLY: Earnings Execution And New Brand Platform Will Drive Future UpsideThe 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.분석 기사 • Jun 21Ally Financial (ALLY) Stock Could Be 15.8% Undervalued on Its Digital Banking NarrativeRecent 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%...공시 • Jun 18Ally Financial Inc. to Report Q2, 2026 Results on Jul 21, 2026Ally Financial Inc. announced that they will report Q2, 2026 results at 7:30 AM, US Eastern Standard Time on Jul 21, 2026내러티브 업데이트 • Jun 15ALLY: Earnings Execution And Digital Brand Positioning Will Drive Future UpsideAnalysts 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.내러티브 업데이트 • Jun 01ALLY: Capital Return And Digital Brand Execution Will Drive Future UpsideAnalysts 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 29Ally Financial: Macro Headwinds Evident, But Structural Strength And Valuation Are AppreciatedSummary 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 Alpha속보 • May 23Ally Financial Unveils Youth-Oriented Digital Banking Campaign and Redeems $1.35b Preferred StockAlly Financial launched its new "Life Today" brand platform and marketing campaign on May 14, 2026, targeting Gen Z and millennial customers with a digital-first focus. The campaign leans into Ally’s "Do It Right" ethos and its reported customer retention rate of more than 90%, while emphasizing fully digital banking instead of branch-based models. Ally is pairing the rebrand with community and influencer initiatives, such as a 500-pizza giveaway with Detroit-based Buddy’s Pizza and partnerships with female athletes, and has added digital expert Tracey Weber to its board while redeeming $1.35b in Series B preferred stock. The combination of a refreshed, youth-focused brand, community marketing and a board appointment with digital expertise reflects Ally’s focus on its identity as an app-first, nationwide bank without branches. The redemption of $1.35b in preferred stock also highlights active capital management as the company addresses conditions in auto lending and credit, which investors may want to watch for any effect on funding costs, capital ratios and flexibility for future initiatives.내러티브 업데이트 • May 17ALLY: Future Returns Will Hinge On Credit Quality And Capital Return ChoicesAlly 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.공시 • May 16Ally Financial Inc. Elects Tracey Weber to Board of DirectorsAlly Financial Inc. announced that Tracey Weber has been elected to its board at its annual meeting of shareholders, expanding the board to 12 members. All other director nominees standing for re-election were also approved by shareholders. Weber brings more than 20 years of digital and technological leadership to the board, having driven transformation initiatives at some of the world's most recognized consumer brands. She serves as senior vice president and general manager of Expedia Brand and Portfolio Brands at Expedia Group Inc., where she leads strategy and the P&L for the Expedia brand globally. Prior to Expedia, Weber held senior leadership roles at CVS Health Corporation, IBM Corporation and Gilt Groupe Inc. Earlier in her career, Weber was managing director and head of internet and mobile banking, global product, North America at Citibank N.A., where she launched mobile check deposit capability and was named "Mobile Banker of the Year" by Bank Technology. She holds a bachelor's degree in economics from Harvard University and an MBA from the Wharton School of the University of Pennsylvania.공시 • May 15Ally Financial Unveils Life Today Brand PlatformAlly disrupted the industry by introducing Ally Bank as one of the first digital-only banks. Ally unveiled Life Today, a new brand platform and marketing campaign built for the intersection where money meets real life, positioning Ally as the financial partner for how people actually save, spend, and dream. The campaign is built on a clear insight: for consumers – particularly Gen Z and millennials – financial progress no longer follows a neat, linear path of school, house, marriage, and retirement. Financial journeys are built through a mix of long-term goals and everyday moments: travel and wellness, friendships and fandom, home projects and new experiences. The Life Today positioning is designed to meet banking realities, with a brand platform, refreshed identity system and wittier tone that makes Ally feel more modern, differentiated and relevant across consumers' financial decisions, big and small, reflecting how people live with money. The campaign prominently features the company's Do It Right ethos, which has anchored Ally's culture for over a decade. From smart savings tools to groundbreaking financial education focused on money psychology, Ally's customer centricity has led to an industry-leading track record with existing customers, highlighting a retention rate exceeding 90%. The company's Refer a Friend program, which rewards customers for bringing in new account holders, has become a key driver of growth—demonstrating that once people bank with Ally, they are not only loyal but actively recommend the service to others. The platform, developed with newly appointed creative agency of record Anomaly LA, begins rolling out and will run across linear television, streaming, out-of-home advertising and social media. It targets customers whose money journey isn't just about accumulation—it's about enabling the life they want to live while preparing for someday goals.내러티브 업데이트 • May 02ALLY: Execution On Credit Discipline Will Support Future Re Rating PathNarrative 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.Reported Earnings • Apr 20First quarter 2026 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2026 results: EPS: US$0.94 (up from US$0.82 loss in 1Q 2025). Revenue: US$1.90b (up 20% from 1Q 2025). Net income: US$291.0m (up US$544.0m from 1Q 2025). Profit margin: 15% (up from net loss in 1Q 2025). The move to profitability was primarily driven by higher revenue. Revenue missed analyst estimates by 1.7%. Earnings per share (EPS) exceeded analyst estimates by 3.8%. Revenue is forecast to grow 7.3% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 20% per year but the company’s share price has increased by 20% per year, which means it is well ahead of earnings.Declared Dividend • Apr 19Fourth quarter dividend of US$0.30 announcedDividend of US$0.30 is the same as last year. Ex-date: 1st May 2026 Payment date: 15th May 2026 Dividend yield will be 2.6%, which is higher than the industry average of 2.0%. Sustainability & Growth Dividend is covered by earnings (50% payout ratio) and is expected to be covered in 3 years' time (19% forecast payout ratio). The dividend has increased by an average of 14% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 80% over the next 3 years, which should provide support to the dividend and adequate earnings cover.내러티브 업데이트 • Apr 18ALLY: Buybacks And Credit Discipline Will Support A Future Re Rating PathAlly 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.공시 • Apr 16Ally Financial Inc. Declares Quarterly Cash Dividend, Payable on May 15, 2026The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on May 15, 2026, to shareholders of record on May 1, 2026.내러티브 업데이트 • Apr 04ALLY: Buybacks And ROTCE Progress Will Support A Future Re Rating PathAnalysts 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.내러티브 업데이트 • Mar 20ALLY: Capital Return And ROTCE Re Rating Will Drive Future UpsideAlly 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.공시 • Mar 12Ally Financial Inc. to Report Q1, 2026 Results on Apr 17, 2026Ally Financial Inc. announced that they will report Q1, 2026 results at 7:30 AM, US Eastern Standard Time on Apr 17, 2026내러티브 업데이트 • Mar 06ALLY: Buybacks And ROTCE Execution Will Support A Constructive Re Rating PathAnalysts 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.Buy Or Sell Opportunity • Mar 01Now 24% undervalued after recent price dropOver the last 90 days, the stock has fallen 4.8% to US$39.44. The fair value is estimated to be US$52.23, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 3.5% over the last 3 years. Earnings per share has declined by 44%. For the next 3 years, revenue is forecast to grow by 9.5% per annum. Earnings are also forecast to grow by 26% per annum over the same time period.공시 • Feb 27Ally Financial Inc., Annual General Meeting, May 06, 2026Ally Financial Inc., Annual General Meeting, May 06, 2026.Reported Earnings • Feb 26Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$2.39 (up from US$1.82 in FY 2024). Revenue: US$7.37b (up 9.2% from FY 2024). Net income: US$742.0m (up 33% from FY 2024). Profit margin: 10% (up from 8.3% in FY 2024). Revenue missed analyst estimates by 2.1%. Earnings per share (EPS) also missed analyst estimates by 2.9%. Revenue is forecast to grow 9.5% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 44% per year but the company’s share price has increased by 12% per year, which means it is well ahead of earnings.내러티브 업데이트 • Feb 20ALLY: Future Returns Will Depend On Credit Quality And Capital Return ExecutionNarrative 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.내러티브 업데이트 • Feb 06ALLY: Future Returns Will Hinge On Credit Trends And Balance Sheet CleanupAnalysts 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.Buy Or Sell Opportunity • Feb 05Now 20% undervaluedOver the last 90 days, the stock has risen 7.3% to US$42.13. The fair value is estimated to be US$52.90, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 3.5% over the last 3 years. Earnings per share has declined by 44%. For the next 3 years, revenue is forecast to grow by 9.5% per annum. Earnings are also forecast to grow by 26% per annum over the same time period.Recent Insider Transactions • Jan 25CEO & Director recently bought US$992k worth of stockOn the 23rd of January, Michael Rhodes bought around 24k shares on-market at roughly US$41.68 per share. This transaction amounted to 7.5% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Michael has been a buyer over the last 12 months, purchasing a net total of US$2.0m worth in shares.Declared Dividend • Jan 23Fourth quarter dividend of US$0.30 announcedDividend of US$0.30 is the same as last year. Ex-date: 2nd February 2026 Payment date: 17th February 2026 Dividend yield will be 2.9%, which is higher than the industry average of 2.0%. Sustainability & Growth Dividend is covered by earnings (50% payout ratio) and is expected to be covered in 3 years' time (23% forecast payout ratio). The dividend has increased by an average of 14% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 108% over the next 3 years, which should provide support to the dividend and adequate earnings cover.내러티브 업데이트 • Jan 23ALLY: Buybacks And ROTCE Improvements Will Drive A Constructive Re Rating PathNarrative 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.Reported Earnings • Jan 22Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$2.41 (up from US$1.82 in FY 2024). Revenue: US$7.37b (up 9.2% from FY 2024). Net income: US$742.0m (up 33% from FY 2024). Profit margin: 10% (up from 8.3% in FY 2024). Revenue missed analyst estimates by 2.1%. Earnings per share (EPS) also missed analyst estimates by 2.9%. Revenue is forecast to grow 10.0% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 44% per year but the company’s share price has increased by 9% per year, which means it is well ahead of earnings.공시 • Jan 21Ally Financial Inc. Declares Dividend, Payable on February 17, 2026The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on February 17, 2026, to shareholders of record on February 2, 2026,.내러티브 업데이트 • Jan 08ALLY: Credit Risk And Buybacks Will Shape A Cautious ROTCE Re Rating PathNarrative 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.공시 • Dec 17Ally Financial Inc. to Report Q4, 2025 Results on Jan 21, 2026Ally Financial Inc. announced that they will report Q4, 2025 results at 7:30 AM, US Eastern Standard Time on Jan 21, 2026내러티브 업데이트 • Dec 16ALLY: Improving Credit Trends And Buybacks Will Shape A Measured Upside PathAnalysts 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.공시 • Dec 10Ally Financial Inc. (NYSE:ALLY) announces an Equity Buyback for $2,000 million worth of its shares.Ally Financial Inc. (NYSE:ALLY) announces a share repurchase program. Under the program, the company will repurchase up to $2,000 million worth of its common stock. The program does not have an expiration date.내러티브 업데이트 • Dec 02ALLY: Improving Credit Trends And Auto Tariffs Will Drive Shares HigherAlly 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.Board Change • Dec 01High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Director Allan Merrill was the last director to join the board, commencing their role in 2025. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.내러티브 업데이트 • Nov 18ALLY: Improving Credit Performance Will Drive Shares Higher Through Year AheadAnalysts 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.내러티브 업데이트 • Nov 04ALLY: Shares Will Benefit From Improving Auto Credit TrendsAnalysts 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.공시 • Oct 30Ally Financial Inc. Announces Board Appointments, Effective November 3, 2025Ally Financial Inc. announced that Allan Merrill and Gunther Bright have been appointed to its board, effective Nov. 3, 2025. Merrill has more than three decades of leadership experience. He currently serves as the chairman, president and CEO of Beazer Homes USA Inc., a diversified national homebuilder. Merrill joined Beazer as CFO in 2007 and was appointed CEO in 2011. Prior to joining Beazer, Merrill worked in both investment banking and online real estate marketing. He also served on the board of Freddie Mac from 2020 until 2025. Merrill holds a bachelor's degree in economics from the University of Pennsylvania. Bright is a seasoned financial services executive with more than 30 years of experience in various leadership roles at American Express. Prior to his retirement at the end of 2023, Bright was EVP and general manager for the U.S. Large Market and Global Client Group. Since 2022, Bright has served as a member of the board of directors of TPG Inc. and previously served as a member of the board of directors of Warburg Pincus Capital Corporation and McAfee Corp. He holds a bachelor's degree in international economics from Pace University.Major Estimate Revision • Oct 24Consensus EPS estimates increase by 10%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate increased from US$2.31 to US$2.54. Revenue forecast steady at US$8.02b. Net income forecast to grow 289% next year vs 20% growth forecast for Consumer Finance industry in the US. Consensus price target broadly unchanged at US$48.06. Share price rose 5.0% to US$41.81 over the past week.Recent Insider Transactions • Oct 24Chief Human Resources Officer recently sold US$1.2m worth of stockOn the 22nd of October, Kathleen Patterson sold around 29k shares on-market at roughly US$40.86 per share. This transaction amounted to 22% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought US$566k more than they sold in the last 12 months.내러티브 업데이트 • Oct 21Analyst Commentary Highlights Rising Price Targets and Improved Credit Outlook for Ally FinancialAnalysts 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.Reported Earnings • Oct 20Third quarter 2025 earnings: EPS and revenues exceed analyst expectationsThird quarter 2025 results: EPS: US$1.20 (up from US$1.07 in 3Q 2024). Revenue: US$1.98b (up 19% from 3Q 2024). Net income: US$371.0m (up 12% from 3Q 2024). Profit margin: 19% (down from 20% in 3Q 2024). Revenue exceeded analyst estimates by 2.9%. Earnings per share (EPS) also surpassed analyst estimates by 22%. Revenue is forecast to grow 9.8% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 58% per year but the company’s share price has increased by 14% per year, which means it is well ahead of earnings.분석 기사 • Oct 12Ally Financial (NYSE:ALLY) Is Due To Pay A Dividend Of $0.30Ally Financial Inc.'s ( NYSE:ALLY ) investors are due to receive a payment of $0.30 per share on 14th of November. This...Declared Dividend • Oct 12Second quarter dividend of US$0.30 announcedDividend of US$0.30 is the same as last year. Ex-date: 31st October 2025 Payment date: 14th November 2025 Dividend yield will be 3.2%, which is higher than the industry average of 2.0%. Sustainability & Growth Dividend is not covered by earnings (114% earnings payout ratio). However, the dividend is expected to be well covered in 3 years' time (19% forecast payout ratio). The dividend has increased by an average of 16% per year over the past 9 years and payments have been stable during that time. The company's earnings per share (EPS) would need to grow by 27% to bring the payout ratio under control. EPS is expected to grow by 176% over the next 3 years, which is sufficient to bring the dividend into a sustainable range.공시 • Oct 09Ally Financial Inc. Declares Dividend on Common Stock, Payable on November 14, 2025The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on November 14, 2025, to shareholders of record on October 31, 2025.공시 • Sep 22Ally Financial Inc.(NYSE:ALLY) dropped from FTSE All-World Index (USD)Ally Financial Inc.(NYSE:ALLY) dropped from FTSE All-World Index (USD)내러티브 업데이트 • Sep 18Digital Banking And Auto Finance Will Define A Bright FutureAnalysts 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.공시 • Sep 11Ally Financial Inc. to Report Q3, 2025 Results on Oct 17, 2025Ally Financial Inc. announced that they will report Q3, 2025 results at 7:30 AM, US Eastern Standard Time on Oct 17, 2025내러티브 업데이트 • Sep 03Digital Banking And Auto Finance Will Define A Bright FutureSupported 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.공시 • Jul 23Ally Financial Inc. Rolls Out Proprietary AI Platform Enterprise-WideAlly Financial Inc. announced its more than 10,000 employees have access to its proprietary enterprise artificial intelligence (AI) platform, Ally.ai. This step delivers on Ally's long-time position that generative AI should be a supplemental, supportive resource for its workforce that also delivers value to its business. With access to Ally.ai, employees can leverage generative AI to streamline everyday tasks, like drafting emails, creating meeting agendas, developing first drafts and proofreading copy - allowing time to focus on other projects. Ally.ai was designed with the flexibility to integrate with commercially available large language models (LLMs) and other AI capabilities, so the platform can also help employees analyze data to make informed decisions while allowing for out-of-the box, creative thinking and brainstorming ideas. In support of its dedication to responsibly deploy AI technology, Ally became the first U.S. bank member of the Responsible AI Institute. As part of its generative AI approach, Ally implemented processes designed to help ensure strong data security, robust customer privacy and rigorous model risk review before deployment, and routine monitoring of outcomes. Ally integrates risk and control requirements from the outset in all data and AI projects, embedding controls in parallel to building solutions to carefully manage challenges and risks concerning the broader use of data. Since Ally.ai launched in 2023, Ally has moved specific generative AI use cases into production that demonstrated clear business value during pilot phases. Ally's call summarization use case integrates Ally.ai into the technology stack, which has helped frontline teammates better serve approximately 5 million customer calls. Over the first 18 months, 2,200 employees across the business, including marketing, audit, risk and technology teams, received training and gained access to use Ally.ai as a tool to increase their general efficiency. Nearly a quarter million prompts have been submitted to the platform, and in the last three months, over 10,000 employees continued their education with Ally's first company-wide training module. In support of its AI-empowered workforce, Ally offers resources to increase AI fluency and effectiveness: Required training: All employees using generative AI participate in generative AI risk and controls training prior to gaining access to Ally.ai. Ally AI Fluency Hub: Employees have access to internal resources for deeper learning to increase effectiveness with generative AI, including tailored prompt examples based on business needs. AI Days: Each of Ally's quarterly AI Days features external speakers and explores best practices to advance adoption and effectiveness with AI. They are attended by more than 1,000 employees on average. AI Community of Practice and Office Hours: Ally hosts bi-weekly sessions where hundreds of employees from across the enterprise share examples of how they are effectively implementing AI, and office hours allow teams to workshop ideas with in-house team of AI experts. AI Playbook: Ally's AI Playbook prepares employees to use AI responsibly, keeping humans at the center of decision-making.분석 기사 • Jul 21Ally Financial (NYSE:ALLY) Will Pay A Dividend Of $0.30The board of Ally Financial Inc. ( NYSE:ALLY ) has announced that it will pay a dividend of $0.30 per share on the 15th...Reported Earnings • Jul 21Second quarter 2025 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2025 results: EPS: US$1.06 (up from US$0.87 in 2Q 2024). Revenue: US$1.91b (up 11% from 2Q 2024). Net income: US$324.0m (up 22% from 2Q 2024). Profit margin: 17% (up from 16% in 2Q 2024). Revenue exceeded analyst estimates by 2.1%. Earnings per share (EPS) also surpassed analyst estimates by 34%. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 59% per year but the company’s share price has increased by 6% per year, which means it is well ahead of earnings.Major Estimate Revision • Jul 20Consensus EPS estimates increase by 12%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate increased from US$2.05 to US$2.30. Revenue forecast steady at US$8.01b. Net income forecast to grow 389% next year vs 19% growth forecast for Consumer Finance industry in the US. Consensus price target up from US$43.17 to US$45.47. Share price was steady at US$39.88 over the past week.공시 • Jul 17Ally Financial Inc. Declares a Quarterly Cash Dividend of the Company's Common Stock, Payable on August 15, 2025The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on August 15, 2025, to shareholders of record on August 1, 2025.New Risk • Jun 24New major risk - Revenue and earnings growthEarnings have declined by 18% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 18% per year over the past 5 years. Minor Risks Dividend is not well covered by earnings (193% payout ratio). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (2.9% net profit margin).공시 • Jun 19Redemption Holding Company, Central Bancorporation and Ally Financial Inc. (NYSE:ALLY) completed the acquisition of Holladay Bank and Trust.Redemption Holding Company, Central Bancorporation and Ally Financial Inc. (NYSE:ALLY) agreed to acquire Holladay Bank and Trust on February 28, 2023. Former White House Policy Advisor and Regional Administrator Ashley D. Bell will serve as RHC's executive chairman and chief executive officer. Dr. Bernice A. King and Coretta Scott King, will serve as the bank's senior vice president. As of December 31, 2022, Redemption Holding Company reported $68 million total assets. Performance Trust Capital Partners, LLC acted as financial advisor to Redemption Holding Company. The team of Nelson Mullins Riley & Scarborough LLP led by Neil Grayson, Ben Barnhill, Mateo Hoyos and Mary Campbell acted as legal advisor to Redemption Holding Company. Parsons, Behle & Latimer PC acted as legal advisor to Holladay Bank and Trust. Redemption Holding Company, Central Bancorporation and Ally Financial Inc. (NYSE:ALLY) completed the acquisition of Holladay Bank and Trust on June 19, 2025.공시 • Jun 18Ally Financial Inc. to Report Q2, 2025 Results on Jul 18, 2025Ally Financial Inc. announced that they will report Q2, 2025 results at 7:30 AM, US Eastern Standard Time on Jul 18, 2025공시 • May 09Ally Financial Inc. Announces Board ChangesAlly Financial Inc. announced that Ken Bacon will be retiring from the Board, and the company welcomes Michelle Goldberg to the Board.Seeking Alpha • Apr 25Ally Financial: It's Fairly Valued But Beware Of Tariffs And Technical RisksSummary 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 AlphaMajor Estimate Revision • Apr 24Consensus EPS estimates fall by 33%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has deteriorated. 2025 revenue forecast decreased from US$8.45b to US$8.00b. EPS estimate also fell from US$3.13 per share to US$2.11 per share. Net income forecast to grow 367% next year vs 19% growth forecast for Consumer Finance industry in the US. Consensus price target broadly unchanged at US$41.72. Share price was steady at US$32.06 over the past week.Buy Or Sell Opportunity • Apr 21Now 23% undervalued after recent price dropOver the last 90 days, the stock has fallen 21% to US$30.09. The fair value is estimated to be US$39.14, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 9.5% over the last 3 years. Earnings per share has declined by 55%. Revenue is forecast to grow by 39% in 2 years. Earnings are forecast to grow by 811% in the next 2 years.Declared Dividend • Apr 20First quarter dividend of US$0.30 announcedDividend of US$0.30 is the same as last year. Ex-date: 1st May 2025 Payment date: 15th May 2025 Dividend yield will be 3.8%, which is higher than the industry average of 2.0%. Sustainability & Growth Dividend is not covered by earnings (193% earnings payout ratio). However, the dividend is expected to be well covered in 3 years' time (25% forecast payout ratio). The dividend has increased by an average of 16% per year over the past 9 years and payments have been stable during that time. The company's earnings per share (EPS) would need to grow by 115% to bring the payout ratio under control. EPS is expected to grow by 187% over the next 3 years, which is sufficient to bring the dividend into a sustainable range.Reported Earnings • Apr 17First quarter 2025 earnings: EPS and revenues miss analyst expectationsFirst quarter 2025 results: US$0.83 loss per share (down from US$0.42 profit in 1Q 2024). Revenue: US$1.59b (down 5.5% from 1Q 2024). Net loss: US$253.0m (down 296% from profit in 1Q 2024). Revenue missed analyst estimates by 22%. Earnings per share (EPS) were also behind analyst expectations. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 55% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings.공시 • Apr 16Ally Financial Inc. Declares Dividend on Common Stock, Payable on May 15, 2025The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on May 15, 2025, to shareholders of record on May 1, 2025.Valuation Update With 7 Day Price Move • Apr 08Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to US$30.57, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 8x in the Consumer Finance industry in the US. Total loss to shareholders of 21% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$44.13 per share.공시 • Apr 02Merrick Bank completed the acquisition of Credit card business of Ally Financial Inc(NYSE:ALLY).Merrick Bank have entered into a definitive agreement to acquire Credit card business of Ally Financial Inc(NYSE:ALLY) on January 20, 2025. Under the terms of agreement, Merrick Bank, to acquire Ally's credit card business, including a portfolio of $2.3 billion in credit card receivables with 1.3 million active cardholders as of December 31, 2024. Ally and CardWorks will work together to ensure a smooth transition for customers and employees. The transaction is expected to close in 2025, subject to the completion of customary closing conditions. As per amended filing, The transaction is expected to close during the second quarter of 2025. J.P. Morgan Securities LLC acted as financial advisor and Sullivan & Cromwell LLP acted as legal advisor for Ally Financial Inc. Ting S. Chen, Andrew M. Wark, J. Leonard Teti II, Jonathan J. Katz, Arian Mossanenzadeh, Jelena McWilliams, Will C. Giles, Lucas E. Beirne, David J. Kappos, and Noah Joshua Phillips of Cravath, Swaine & Moore LLP acted as legal advisor for CardWorks. Merrick Bank completed the acquisition of Credit card business of Ally Financial Inc(NYSE:ALLY) on April 1, 2025.공시 • Mar 24Ally Financial Inc., Annual General Meeting, May 06, 2025Ally Financial Inc., Annual General Meeting, May 06, 2025.공시 • Mar 12Ally Financial Inc. to Report Q1, 2025 Results on Apr 17, 2025Ally Financial Inc. announced that they will report Q1, 2025 results at 7:30 AM, US Eastern Standard Time on Apr 17, 2025Buy Or Sell Opportunity • Mar 03Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 10.0% to US$35.21. The fair value is estimated to be US$44.14, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 9.8% over the last 3 years. Earnings per share has declined by 50%. For the next 3 years, revenue is forecast to grow by 12% per annum. Earnings are also forecast to grow by 34% per annum over the same time period.Seeking Alpha • Feb 24Ally Financial: Planned Credit Card Business Sale Shows Renewed Focus On Core BusinessSummary 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 AlphaReported Earnings • Feb 21Full year 2024 earnings: EPS misses analyst expectationsFull year 2024 results: EPS: US$1.82 (down from US$2.80 in FY 2023). Revenue: US$6.75b (down 5.0% from FY 2023). Net income: US$559.0m (down 34% from FY 2023). Profit margin: 8.3% (down from 12% in FY 2023). The decrease in margin was driven by lower revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 38%. Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 50% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.Buy Or Sell Opportunity • Feb 03Now 21% undervaluedOver the last 90 days, the stock has risen 8.2% to US$38.11. The fair value is estimated to be US$48.05, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 9.7% over the last 3 years. Earnings per share has declined by 49%. For the next 3 years, revenue is forecast to grow by 11% per annum. Earnings are also forecast to grow by 33% per annum over the same time period.Major Estimate Revision • Jan 29Consensus EPS estimates fall by 13%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has deteriorated. 2025 revenue forecast decreased from US$8.76b to US$8.57b. EPS estimate also fell from US$4.23 per share to US$3.66 per share. Net income forecast to grow 107% next year vs 29% growth forecast for Consumer Finance industry in the US. Consensus price target up from US$42.89 to US$44.63. Share price rose 2.3% to US$39.06 over the past week.Recent Insider Transactions • Jan 28Chief Financial Officer recently bought US$753k worth of stockOn the 24th of January, Russell E Hutchinson bought around 19k shares on-market at roughly US$39.45 per share. This transaction amounted to 10% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Russell E's only on-market trade for the last 12 months.Seeking Alpha • Jan 24Ally Financial: Asset Sale Should Not Outweigh A Mixed OutlookSummary 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 AlphaReported Earnings • Jan 23Full year 2024 earnings: EPS misses analyst expectationsFull year 2024 results: EPS: US$1.82 (down from US$3.00 in FY 2023). Revenue: US$6.82b (down 4.1% from FY 2023). Net income: US$559.0m (down 39% from FY 2023). Profit margin: 8.2% (down from 13% in FY 2023). The decrease in margin was primarily driven by lower revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 38%. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 49% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings.Declared Dividend • Jan 22Third quarter dividend of US$0.30 announcedDividend of US$0.30 is the same as last year. Ex-date: 31st January 2025 Payment date: 14th February 2025 Dividend yield will be 3.0%, which is higher than the industry average of 2.0%. Sustainability & Growth Dividend is well covered by earnings (47% payout ratio) and is expected to be well covered in 3 years' time (23% forecast payout ratio). The dividend has increased by an average of 16% per year over the past 9 years and payments have been stable during that time. EPS is expected to grow by 98% over the next 3 years, which should provide support to the dividend and adequate earnings cover.공시 • Jan 17Ally Financial Inc. Declares Dividend on Common Stock, Payable on February 14, 2025The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on February 14, 2025, to shareholders of record on January 31, 2025.Seeking Alpha • Dec 26Ally Financial: Holding Out For Stronger Loan Growth, Better Profit MarginSummary 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 Alpha공시 • Dec 20Ally Financial Inc. to Report Q4, 2024 Results on Jan 22, 2025Ally Financial Inc. announced that they will report Q4, 2024 results at 7:30 AM, US Eastern Standard Time on Jan 22, 2025공시 • Nov 24Ally Financial Reportedly Weighs Sale of Credit Card BusinessAlly Financial Inc. (NYSE:ALLY) is exploring a sale of its credit card arm, according to people familiar with the matter, after getting back into that business through an acquisition three years ago. The Detroit-based auto lender is working with a financial adviser to find buyers for the unit, said the people, who asked to not be identified because the deliberations are private. While it isn’t clear what the business is worth, Ally agreed to pay $750 million for the unit in 2021, when it was known as Fair Square Financial. Ally had about $2.1 billion in credit card loans on average at the end of the third quarter, according to its most recent earnings report. A representative for Ally declined to comment. A sale would mark a swift retreat from the intensely competitive credit card business, where Ally competes with giant players such as Capital One Financial Corp. In 2019, Ally wound down a cash-back card that it had offered with Toronto-Dominion Bank. A year later, the company terminated a $2.65 billion deal to buy subprime credit card lender CardWorks, at a time when the market had been upended by the coronavirus pandemic.공시 • Nov 20Ally Financial Inc. Announces Executive ChangesAlly Financial Inc. announced that effective immediately, Stephanie Richard has been appointed chief risk officer, responsible for execution of Ally's independent risk management. Throughout Richard's nearly 27-year tenure at Ally, she has served in numerous roles of increasing levels of responsibility within the finance, treasury and risk management functions, including chief audit executive and deputy chief risk officer. She has a long and respected reputation with key regulators and designed the company's risk appetite framework and stress testing process. Ally's prior chief risk officer, Jason Schugel, will transition to an interim senior advisor role before leaving the company. Additionally, Lindsay Sacknoff will join the company as head of Deposits and Invest, including Customer Care and Experience, effective January 13. She will report to the CEO and will be based in Charlotte. Sacknoff brings more than two decades of banking experience and most recently led USAA's payments and omnichannel sales and services organization. Prior to USAA, Sacknoff served in a wide variety of roles at TD Bank, including Head of US Consumer Deposits, Products and Payments. Sacknoff was also named one of American Banker's Most Powerful Women in Banking NEXT honorees in 2020. In addition, Ali Summerville, Ally's business administration executive, has elected to leave the company. As part of the new structure, Kathie Patterson, Ally's chief human resources officer, will assume responsibility for the Ally Charitable Foundation. Additionally, Sean Leary has been named chief financial planning and investor relations officer, taking on additional responsibility for all business line chief financial officer duties, continuing to report to Ally's CFO Russ Hutchinson. Leary previously served as the head of investor relations and corporate financial planning and analysis.Buy Or Sell Opportunity • Nov 01Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 14% to US$35.05. The fair value is estimated to be US$44.63, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 9.6% over the last 3 years. Earnings per share has declined by 46%. For the next 3 years, revenue is forecast to grow by 11% per annum. Earnings are also forecast to grow by 29% per annum over the same time period.Upcoming Dividend • Oct 27Upcoming dividend of US$0.30 per shareEligible shareholders must have bought the stock before 01 November 2024. Payment date: 15 November 2024. Payout ratio is a comfortable 47% and this is well supported by cash flows. Trailing yield: 3.5%. Lower than top quartile of American dividend payers (4.5%). Higher than average of industry peers (1.8%).Major Estimate Revision • Oct 25Consensus EPS estimates increase by 14%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate increased from US$2.52 to US$2.88. Revenue forecast steady at US$8.13b. Net income forecast to grow 59% next year vs 21% growth forecast for Consumer Finance industry in the US. Consensus price target broadly unchanged at US$40.18. Share price fell 3.8% to US$34.49 over the past week.Seeking Alpha • Oct 24Ally Financial: Shares Are Unlikely To Rebound Until Delinquencies StabilizeSummary 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 AlphaReported Earnings • Oct 18Third quarter 2024 earnings: EPS and revenues exceed analyst expectationsThird quarter 2024 results: EPS: US$1.08 (up from US$0.88 in 3Q 2023). Revenue: US$1.66b (flat on 3Q 2023). Net income: US$330.0m (up 23% from 3Q 2023). Profit margin: 20% (up from 16% in 3Q 2023). Revenue exceeded analyst estimates by 3.6%. Earnings per share (EPS) also surpassed analyst estimates by 150%. Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 46% per year but the company’s share price has only fallen by 12% per year, which means it has not declined as severely as earnings.Declared Dividend • Oct 13Second quarter dividend of US$0.30 announcedDividend of US$0.30 is the same as last year. Ex-date: 1st November 2024 Payment date: 15th November 2024 Dividend yield will be 3.4%, which is higher than the industry average of 2.0%. Sustainability & Growth Dividend is covered by earnings (51% payout ratio) and is expected to be covered in 3 years' time (22% forecast payout ratio). The dividend has increased by an average of 18% per year over the past 8 years and payments have been stable during that time. EPS is expected to grow by 120% over the next 3 years, which should provide support to the dividend and adequate earnings cover.공시 • Oct 10Ally Financial Inc. Declares Quarterly Cash Dividend on Common Stock, Payable on November 15, 2024The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on November 15, 2024, to stockholders of record on November 1, 2024.Buy Or Sell Opportunity • Oct 08Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 15% to US$34.88. The fair value is estimated to be US$43.73, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 8.4% over the last 3 years. Earnings per share has declined by 43%. For the next 3 years, revenue is forecast to grow by 11% per annum. Earnings are also forecast to grow by 30% per annum over the same time period.공시 • Sep 18Ally Financial Inc. to Report Q3, 2024 Results on Oct 18, 2024Ally Financial Inc. announced that they will report Q3, 2024 results on Oct 18, 2024Major Estimate Revision • Sep 16Consensus EPS estimates fall by 13%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate fell from US$3.22 to US$2.80 per share. Revenue forecast steady at US$8.18b. Net income forecast to grow 73% next year vs 20% growth forecast for Consumer Finance industry in the US. Consensus price target down from US$46.90 to US$42.64. Share price fell 17% to US$33.03 over the past week.Price Target Changed • Sep 13Price target decreased by 7.3% to US$43.48Down from US$46.90, the current price target is an average from 19 analysts. New target price is 32% above last closing price of US$32.89. Stock is up 13% over the past year. The company is forecast to post earnings per share of US$2.94 for next year compared to US$3.00 last year.공시 • Sep 11Ally Financial Inc. Appoints Hope Mehlman as Chief Legal and Corporate Affairs Officer, Effective December 2, 2024Ally Financial Inc. announced Hope Mehlman will join the company as chief legal and corporate affairs officer, effective Dec. 2, 2024. Mehlman will lead a newly created Legal Corporate Affairs Office which will oversee all regulatory and legal matters. She will have responsibility for the organization's legal, compliance, government relations, environmental sustainability and community reinvestment teams. Mehlman brings more than 20 years of leadership experience in retail and commercial banking, most recently as Discover's chief legal officer, general counsel and corporate secretary. Prior to Discover, she served as general counsel and corporate secretary at Bank of the West, corporate secretary of BNP Paribas USA, and executive vice president, corporate secretary, chief governance officer, and deputy general counsel of Regions Financial, where she also served as senior compliance officer. In 2024, Mehlman was named a General Counsel of the Year by Women, Influence and Power in Law, and in 2023, she was inducted into the Corporate Governance Hall of Fame by Governance Intelligence. She was also the recipient of the 2023 'William H. Avery Award for Equal Access to Justice' presented by Legal Aid Society, Metropolitan Family Services, Chicago. She's also a frequent guest lecturer at Stanford and a contributing author of several whitepapers. Mehlman holds a Bachelor of Arts from Cornell University, a Juris Doctor from Seton Hall University Law School, and a Master of Laws in Taxation from New York University School of Law.Valuation Update With 7 Day Price Move • Sep 10Investor sentiment deteriorates as stock falls 22%After last week's 22% share price decline to US$32.67, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 9x in the Consumer Finance industry in the US. Total loss to shareholders of 30% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$52.96 per share.이익 및 매출 성장 예측NYSE:ALLY - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/20289,9622,0481,874N/A812/31/20279,5541,8781,848N/A1612/31/20268,9751,5511,641N/A163/31/20267,6871,286-14,160N/A12/31/20257,374742-5463,729N/A9/30/20257,171524-2614,040N/A6/30/20256,852324-563,695N/A3/31/20256,6581916324,202N/A12/31/20246,7515591,0684,528N/A9/30/20246,7644643263,454N/A6/30/20246,7775621,3904,257N/A3/31/20246,9096721,6644,391N/A12/31/20237,1068491,7984,557N/A9/30/20237,3551,1132,9875,853N/A6/30/20237,4991,1172,5615,795N/A3/31/20237,6381,2702,7116,038N/A12/31/20227,9431,6052,7156,247N/A9/30/20228,1771,9842,3046,033N/A6/30/20228,4612,3941,9995,892N/A3/31/20228,7422,839-2844,513N/A12/31/20218,6713,008-1,0784,042N/A9/30/20218,5933,065-1,1074,218N/A6/30/20218,2542,858-1,1984,199N/A3/31/20217,5572,201-3564,095N/A12/31/20206,2001,086-5813,739N/A9/30/20205,722780-7913,521N/A6/30/20205,532685-8353,368N/A3/31/20205,5741,027-5863,783N/A12/31/20196,3791,721N/A4,050N/A9/30/20196,1621,629N/A3,939N/A6/30/20196,1101,622N/A3,985N/A3/31/20196,0581,386N/A4,134N/A12/31/20185,9121,263N/A4,150N/A9/30/20185,9401,153N/A4,050N/A6/30/20185,8411,059N/A4,018N/A3/31/20185,783965N/A4,001N/A12/31/20175,861926N/A4,079N/A9/30/20175,939993N/A4,351N/A6/30/20176,053974N/A4,201N/A3/31/20176,1661,062N/A4,540N/A12/31/20166,2891,081N/A4,567N/A9/30/20166,413-104N/A4,730N/A6/30/20166,498-130N/A5,804N/A3/31/20166,584-1,554N/A6,066N/A12/31/20156,760-1,674N/A5,111N/A9/30/20156,770-652N/A4,915N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: ALLY 의 연간 예상 수익 증가율(10.8%)이 saving rate(3.5%)보다 높습니다.수익 vs 시장: ALLY 의 연간 수익(10.8%)이 US 시장(18.2%)보다 느리게 성장할 것으로 예상됩니다.고성장 수익: ALLY 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.수익 대 시장: ALLY 의 수익(연간 7.5%)이 US 시장(연간 12.9%)보다 느리게 성장할 것으로 예상됩니다.고성장 매출: ALLY 의 수익(연간 7.5%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: ALLY의 자본 수익률은 3년 후 12.3%로 낮을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YDiversified-financials 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/07/09 04:01종가2026/07/09 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 세부 정보는 당사의 Github 페이지에서 확인하실 수 있으며, 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Ally Financial Inc.는 32명의 분석가가 다루고 있습니다. 이 중 16명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Jason GoldbergBarclaysKevin St. PierreBernsteinJames FotheringhamBMO Capital Markets Equity Research29명의 분석가 더 보기
Major Estimate Revision • Oct 24Consensus EPS estimates increase by 10%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate increased from US$2.31 to US$2.54. Revenue forecast steady at US$8.02b. Net income forecast to grow 289% next year vs 20% growth forecast for Consumer Finance industry in the US. Consensus price target broadly unchanged at US$48.06. Share price rose 5.0% to US$41.81 over the past week.
Major Estimate Revision • Jul 20Consensus EPS estimates increase by 12%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate increased from US$2.05 to US$2.30. Revenue forecast steady at US$8.01b. Net income forecast to grow 389% next year vs 19% growth forecast for Consumer Finance industry in the US. Consensus price target up from US$43.17 to US$45.47. Share price was steady at US$39.88 over the past week.
Major Estimate Revision • Apr 24Consensus EPS estimates fall by 33%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has deteriorated. 2025 revenue forecast decreased from US$8.45b to US$8.00b. EPS estimate also fell from US$3.13 per share to US$2.11 per share. Net income forecast to grow 367% next year vs 19% growth forecast for Consumer Finance industry in the US. Consensus price target broadly unchanged at US$41.72. Share price was steady at US$32.06 over the past week.
Major Estimate Revision • Jan 29Consensus EPS estimates fall by 13%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has deteriorated. 2025 revenue forecast decreased from US$8.76b to US$8.57b. EPS estimate also fell from US$4.23 per share to US$3.66 per share. Net income forecast to grow 107% next year vs 29% growth forecast for Consumer Finance industry in the US. Consensus price target up from US$42.89 to US$44.63. Share price rose 2.3% to US$39.06 over the past week.
Major Estimate Revision • Oct 25Consensus EPS estimates increase by 14%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate increased from US$2.52 to US$2.88. Revenue forecast steady at US$8.13b. Net income forecast to grow 59% next year vs 21% growth forecast for Consumer Finance industry in the US. Consensus price target broadly unchanged at US$40.18. Share price fell 3.8% to US$34.49 over the past week.
Major Estimate Revision • Sep 16Consensus EPS estimates fall by 13%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate fell from US$3.22 to US$2.80 per share. Revenue forecast steady at US$8.18b. Net income forecast to grow 73% next year vs 20% growth forecast for Consumer Finance industry in the US. Consensus price target down from US$46.90 to US$42.64. Share price fell 17% to US$33.03 over the past week.
내러티브 업데이트 • Jun 29ALLY: Earnings Execution And New Brand Platform Will Drive Future UpsideThe 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.
분석 기사 • Jun 21Ally Financial (ALLY) Stock Could Be 15.8% Undervalued on Its Digital Banking NarrativeRecent 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%...
공시 • Jun 18Ally Financial Inc. to Report Q2, 2026 Results on Jul 21, 2026Ally Financial Inc. announced that they will report Q2, 2026 results at 7:30 AM, US Eastern Standard Time on Jul 21, 2026
내러티브 업데이트 • Jun 15ALLY: Earnings Execution And Digital Brand Positioning Will Drive Future UpsideAnalysts 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.
내러티브 업데이트 • Jun 01ALLY: Capital Return And Digital Brand Execution Will Drive Future UpsideAnalysts 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 29Ally Financial: Macro Headwinds Evident, But Structural Strength And Valuation Are AppreciatedSummary 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
속보 • May 23Ally Financial Unveils Youth-Oriented Digital Banking Campaign and Redeems $1.35b Preferred StockAlly Financial launched its new "Life Today" brand platform and marketing campaign on May 14, 2026, targeting Gen Z and millennial customers with a digital-first focus. The campaign leans into Ally’s "Do It Right" ethos and its reported customer retention rate of more than 90%, while emphasizing fully digital banking instead of branch-based models. Ally is pairing the rebrand with community and influencer initiatives, such as a 500-pizza giveaway with Detroit-based Buddy’s Pizza and partnerships with female athletes, and has added digital expert Tracey Weber to its board while redeeming $1.35b in Series B preferred stock. The combination of a refreshed, youth-focused brand, community marketing and a board appointment with digital expertise reflects Ally’s focus on its identity as an app-first, nationwide bank without branches. The redemption of $1.35b in preferred stock also highlights active capital management as the company addresses conditions in auto lending and credit, which investors may want to watch for any effect on funding costs, capital ratios and flexibility for future initiatives.
내러티브 업데이트 • May 17ALLY: Future Returns Will Hinge On Credit Quality And Capital Return ChoicesAlly 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.
공시 • May 16Ally Financial Inc. Elects Tracey Weber to Board of DirectorsAlly Financial Inc. announced that Tracey Weber has been elected to its board at its annual meeting of shareholders, expanding the board to 12 members. All other director nominees standing for re-election were also approved by shareholders. Weber brings more than 20 years of digital and technological leadership to the board, having driven transformation initiatives at some of the world's most recognized consumer brands. She serves as senior vice president and general manager of Expedia Brand and Portfolio Brands at Expedia Group Inc., where she leads strategy and the P&L for the Expedia brand globally. Prior to Expedia, Weber held senior leadership roles at CVS Health Corporation, IBM Corporation and Gilt Groupe Inc. Earlier in her career, Weber was managing director and head of internet and mobile banking, global product, North America at Citibank N.A., where she launched mobile check deposit capability and was named "Mobile Banker of the Year" by Bank Technology. She holds a bachelor's degree in economics from Harvard University and an MBA from the Wharton School of the University of Pennsylvania.
공시 • May 15Ally Financial Unveils Life Today Brand PlatformAlly disrupted the industry by introducing Ally Bank as one of the first digital-only banks. Ally unveiled Life Today, a new brand platform and marketing campaign built for the intersection where money meets real life, positioning Ally as the financial partner for how people actually save, spend, and dream. The campaign is built on a clear insight: for consumers – particularly Gen Z and millennials – financial progress no longer follows a neat, linear path of school, house, marriage, and retirement. Financial journeys are built through a mix of long-term goals and everyday moments: travel and wellness, friendships and fandom, home projects and new experiences. The Life Today positioning is designed to meet banking realities, with a brand platform, refreshed identity system and wittier tone that makes Ally feel more modern, differentiated and relevant across consumers' financial decisions, big and small, reflecting how people live with money. The campaign prominently features the company's Do It Right ethos, which has anchored Ally's culture for over a decade. From smart savings tools to groundbreaking financial education focused on money psychology, Ally's customer centricity has led to an industry-leading track record with existing customers, highlighting a retention rate exceeding 90%. The company's Refer a Friend program, which rewards customers for bringing in new account holders, has become a key driver of growth—demonstrating that once people bank with Ally, they are not only loyal but actively recommend the service to others. The platform, developed with newly appointed creative agency of record Anomaly LA, begins rolling out and will run across linear television, streaming, out-of-home advertising and social media. It targets customers whose money journey isn't just about accumulation—it's about enabling the life they want to live while preparing for someday goals.
내러티브 업데이트 • May 02ALLY: Execution On Credit Discipline Will Support Future Re Rating PathNarrative 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.
Reported Earnings • Apr 20First quarter 2026 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2026 results: EPS: US$0.94 (up from US$0.82 loss in 1Q 2025). Revenue: US$1.90b (up 20% from 1Q 2025). Net income: US$291.0m (up US$544.0m from 1Q 2025). Profit margin: 15% (up from net loss in 1Q 2025). The move to profitability was primarily driven by higher revenue. Revenue missed analyst estimates by 1.7%. Earnings per share (EPS) exceeded analyst estimates by 3.8%. Revenue is forecast to grow 7.3% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 20% per year but the company’s share price has increased by 20% per year, which means it is well ahead of earnings.
Declared Dividend • Apr 19Fourth quarter dividend of US$0.30 announcedDividend of US$0.30 is the same as last year. Ex-date: 1st May 2026 Payment date: 15th May 2026 Dividend yield will be 2.6%, which is higher than the industry average of 2.0%. Sustainability & Growth Dividend is covered by earnings (50% payout ratio) and is expected to be covered in 3 years' time (19% forecast payout ratio). The dividend has increased by an average of 14% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 80% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
내러티브 업데이트 • Apr 18ALLY: Buybacks And Credit Discipline Will Support A Future Re Rating PathAlly 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.
공시 • Apr 16Ally Financial Inc. Declares Quarterly Cash Dividend, Payable on May 15, 2026The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on May 15, 2026, to shareholders of record on May 1, 2026.
내러티브 업데이트 • Apr 04ALLY: Buybacks And ROTCE Progress Will Support A Future Re Rating PathAnalysts 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.
내러티브 업데이트 • Mar 20ALLY: Capital Return And ROTCE Re Rating Will Drive Future UpsideAlly 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.
공시 • Mar 12Ally Financial Inc. to Report Q1, 2026 Results on Apr 17, 2026Ally Financial Inc. announced that they will report Q1, 2026 results at 7:30 AM, US Eastern Standard Time on Apr 17, 2026
내러티브 업데이트 • Mar 06ALLY: Buybacks And ROTCE Execution Will Support A Constructive Re Rating PathAnalysts 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.
Buy Or Sell Opportunity • Mar 01Now 24% undervalued after recent price dropOver the last 90 days, the stock has fallen 4.8% to US$39.44. The fair value is estimated to be US$52.23, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 3.5% over the last 3 years. Earnings per share has declined by 44%. For the next 3 years, revenue is forecast to grow by 9.5% per annum. Earnings are also forecast to grow by 26% per annum over the same time period.
공시 • Feb 27Ally Financial Inc., Annual General Meeting, May 06, 2026Ally Financial Inc., Annual General Meeting, May 06, 2026.
Reported Earnings • Feb 26Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$2.39 (up from US$1.82 in FY 2024). Revenue: US$7.37b (up 9.2% from FY 2024). Net income: US$742.0m (up 33% from FY 2024). Profit margin: 10% (up from 8.3% in FY 2024). Revenue missed analyst estimates by 2.1%. Earnings per share (EPS) also missed analyst estimates by 2.9%. Revenue is forecast to grow 9.5% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 44% per year but the company’s share price has increased by 12% per year, which means it is well ahead of earnings.
내러티브 업데이트 • Feb 20ALLY: Future Returns Will Depend On Credit Quality And Capital Return ExecutionNarrative 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.
내러티브 업데이트 • Feb 06ALLY: Future Returns Will Hinge On Credit Trends And Balance Sheet CleanupAnalysts 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.
Buy Or Sell Opportunity • Feb 05Now 20% undervaluedOver the last 90 days, the stock has risen 7.3% to US$42.13. The fair value is estimated to be US$52.90, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 3.5% over the last 3 years. Earnings per share has declined by 44%. For the next 3 years, revenue is forecast to grow by 9.5% per annum. Earnings are also forecast to grow by 26% per annum over the same time period.
Recent Insider Transactions • Jan 25CEO & Director recently bought US$992k worth of stockOn the 23rd of January, Michael Rhodes bought around 24k shares on-market at roughly US$41.68 per share. This transaction amounted to 7.5% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Michael has been a buyer over the last 12 months, purchasing a net total of US$2.0m worth in shares.
Declared Dividend • Jan 23Fourth quarter dividend of US$0.30 announcedDividend of US$0.30 is the same as last year. Ex-date: 2nd February 2026 Payment date: 17th February 2026 Dividend yield will be 2.9%, which is higher than the industry average of 2.0%. Sustainability & Growth Dividend is covered by earnings (50% payout ratio) and is expected to be covered in 3 years' time (23% forecast payout ratio). The dividend has increased by an average of 14% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 108% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
내러티브 업데이트 • Jan 23ALLY: Buybacks And ROTCE Improvements Will Drive A Constructive Re Rating PathNarrative 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.
Reported Earnings • Jan 22Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$2.41 (up from US$1.82 in FY 2024). Revenue: US$7.37b (up 9.2% from FY 2024). Net income: US$742.0m (up 33% from FY 2024). Profit margin: 10% (up from 8.3% in FY 2024). Revenue missed analyst estimates by 2.1%. Earnings per share (EPS) also missed analyst estimates by 2.9%. Revenue is forecast to grow 10.0% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 44% per year but the company’s share price has increased by 9% per year, which means it is well ahead of earnings.
공시 • Jan 21Ally Financial Inc. Declares Dividend, Payable on February 17, 2026The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on February 17, 2026, to shareholders of record on February 2, 2026,.
내러티브 업데이트 • Jan 08ALLY: Credit Risk And Buybacks Will Shape A Cautious ROTCE Re Rating PathNarrative 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.
공시 • Dec 17Ally Financial Inc. to Report Q4, 2025 Results on Jan 21, 2026Ally Financial Inc. announced that they will report Q4, 2025 results at 7:30 AM, US Eastern Standard Time on Jan 21, 2026
내러티브 업데이트 • Dec 16ALLY: Improving Credit Trends And Buybacks Will Shape A Measured Upside PathAnalysts 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.
공시 • Dec 10Ally Financial Inc. (NYSE:ALLY) announces an Equity Buyback for $2,000 million worth of its shares.Ally Financial Inc. (NYSE:ALLY) announces a share repurchase program. Under the program, the company will repurchase up to $2,000 million worth of its common stock. The program does not have an expiration date.
내러티브 업데이트 • Dec 02ALLY: Improving Credit Trends And Auto Tariffs Will Drive Shares HigherAlly 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.
Board Change • Dec 01High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Director Allan Merrill was the last director to join the board, commencing their role in 2025. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
내러티브 업데이트 • Nov 18ALLY: Improving Credit Performance Will Drive Shares Higher Through Year AheadAnalysts 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.
내러티브 업데이트 • Nov 04ALLY: Shares Will Benefit From Improving Auto Credit TrendsAnalysts 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.
공시 • Oct 30Ally Financial Inc. Announces Board Appointments, Effective November 3, 2025Ally Financial Inc. announced that Allan Merrill and Gunther Bright have been appointed to its board, effective Nov. 3, 2025. Merrill has more than three decades of leadership experience. He currently serves as the chairman, president and CEO of Beazer Homes USA Inc., a diversified national homebuilder. Merrill joined Beazer as CFO in 2007 and was appointed CEO in 2011. Prior to joining Beazer, Merrill worked in both investment banking and online real estate marketing. He also served on the board of Freddie Mac from 2020 until 2025. Merrill holds a bachelor's degree in economics from the University of Pennsylvania. Bright is a seasoned financial services executive with more than 30 years of experience in various leadership roles at American Express. Prior to his retirement at the end of 2023, Bright was EVP and general manager for the U.S. Large Market and Global Client Group. Since 2022, Bright has served as a member of the board of directors of TPG Inc. and previously served as a member of the board of directors of Warburg Pincus Capital Corporation and McAfee Corp. He holds a bachelor's degree in international economics from Pace University.
Major Estimate Revision • Oct 24Consensus EPS estimates increase by 10%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate increased from US$2.31 to US$2.54. Revenue forecast steady at US$8.02b. Net income forecast to grow 289% next year vs 20% growth forecast for Consumer Finance industry in the US. Consensus price target broadly unchanged at US$48.06. Share price rose 5.0% to US$41.81 over the past week.
Recent Insider Transactions • Oct 24Chief Human Resources Officer recently sold US$1.2m worth of stockOn the 22nd of October, Kathleen Patterson sold around 29k shares on-market at roughly US$40.86 per share. This transaction amounted to 22% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought US$566k more than they sold in the last 12 months.
내러티브 업데이트 • Oct 21Analyst Commentary Highlights Rising Price Targets and Improved Credit Outlook for Ally FinancialAnalysts 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.
Reported Earnings • Oct 20Third quarter 2025 earnings: EPS and revenues exceed analyst expectationsThird quarter 2025 results: EPS: US$1.20 (up from US$1.07 in 3Q 2024). Revenue: US$1.98b (up 19% from 3Q 2024). Net income: US$371.0m (up 12% from 3Q 2024). Profit margin: 19% (down from 20% in 3Q 2024). Revenue exceeded analyst estimates by 2.9%. Earnings per share (EPS) also surpassed analyst estimates by 22%. Revenue is forecast to grow 9.8% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 58% per year but the company’s share price has increased by 14% per year, which means it is well ahead of earnings.
분석 기사 • Oct 12Ally Financial (NYSE:ALLY) Is Due To Pay A Dividend Of $0.30Ally Financial Inc.'s ( NYSE:ALLY ) investors are due to receive a payment of $0.30 per share on 14th of November. This...
Declared Dividend • Oct 12Second quarter dividend of US$0.30 announcedDividend of US$0.30 is the same as last year. Ex-date: 31st October 2025 Payment date: 14th November 2025 Dividend yield will be 3.2%, which is higher than the industry average of 2.0%. Sustainability & Growth Dividend is not covered by earnings (114% earnings payout ratio). However, the dividend is expected to be well covered in 3 years' time (19% forecast payout ratio). The dividend has increased by an average of 16% per year over the past 9 years and payments have been stable during that time. The company's earnings per share (EPS) would need to grow by 27% to bring the payout ratio under control. EPS is expected to grow by 176% over the next 3 years, which is sufficient to bring the dividend into a sustainable range.
공시 • Oct 09Ally Financial Inc. Declares Dividend on Common Stock, Payable on November 14, 2025The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on November 14, 2025, to shareholders of record on October 31, 2025.
공시 • Sep 22Ally Financial Inc.(NYSE:ALLY) dropped from FTSE All-World Index (USD)Ally Financial Inc.(NYSE:ALLY) dropped from FTSE All-World Index (USD)
내러티브 업데이트 • Sep 18Digital Banking And Auto Finance Will Define A Bright FutureAnalysts 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.
공시 • Sep 11Ally Financial Inc. to Report Q3, 2025 Results on Oct 17, 2025Ally Financial Inc. announced that they will report Q3, 2025 results at 7:30 AM, US Eastern Standard Time on Oct 17, 2025
내러티브 업데이트 • Sep 03Digital Banking And Auto Finance Will Define A Bright FutureSupported 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.
공시 • Jul 23Ally Financial Inc. Rolls Out Proprietary AI Platform Enterprise-WideAlly Financial Inc. announced its more than 10,000 employees have access to its proprietary enterprise artificial intelligence (AI) platform, Ally.ai. This step delivers on Ally's long-time position that generative AI should be a supplemental, supportive resource for its workforce that also delivers value to its business. With access to Ally.ai, employees can leverage generative AI to streamline everyday tasks, like drafting emails, creating meeting agendas, developing first drafts and proofreading copy - allowing time to focus on other projects. Ally.ai was designed with the flexibility to integrate with commercially available large language models (LLMs) and other AI capabilities, so the platform can also help employees analyze data to make informed decisions while allowing for out-of-the box, creative thinking and brainstorming ideas. In support of its dedication to responsibly deploy AI technology, Ally became the first U.S. bank member of the Responsible AI Institute. As part of its generative AI approach, Ally implemented processes designed to help ensure strong data security, robust customer privacy and rigorous model risk review before deployment, and routine monitoring of outcomes. Ally integrates risk and control requirements from the outset in all data and AI projects, embedding controls in parallel to building solutions to carefully manage challenges and risks concerning the broader use of data. Since Ally.ai launched in 2023, Ally has moved specific generative AI use cases into production that demonstrated clear business value during pilot phases. Ally's call summarization use case integrates Ally.ai into the technology stack, which has helped frontline teammates better serve approximately 5 million customer calls. Over the first 18 months, 2,200 employees across the business, including marketing, audit, risk and technology teams, received training and gained access to use Ally.ai as a tool to increase their general efficiency. Nearly a quarter million prompts have been submitted to the platform, and in the last three months, over 10,000 employees continued their education with Ally's first company-wide training module. In support of its AI-empowered workforce, Ally offers resources to increase AI fluency and effectiveness: Required training: All employees using generative AI participate in generative AI risk and controls training prior to gaining access to Ally.ai. Ally AI Fluency Hub: Employees have access to internal resources for deeper learning to increase effectiveness with generative AI, including tailored prompt examples based on business needs. AI Days: Each of Ally's quarterly AI Days features external speakers and explores best practices to advance adoption and effectiveness with AI. They are attended by more than 1,000 employees on average. AI Community of Practice and Office Hours: Ally hosts bi-weekly sessions where hundreds of employees from across the enterprise share examples of how they are effectively implementing AI, and office hours allow teams to workshop ideas with in-house team of AI experts. AI Playbook: Ally's AI Playbook prepares employees to use AI responsibly, keeping humans at the center of decision-making.
분석 기사 • Jul 21Ally Financial (NYSE:ALLY) Will Pay A Dividend Of $0.30The board of Ally Financial Inc. ( NYSE:ALLY ) has announced that it will pay a dividend of $0.30 per share on the 15th...
Reported Earnings • Jul 21Second quarter 2025 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2025 results: EPS: US$1.06 (up from US$0.87 in 2Q 2024). Revenue: US$1.91b (up 11% from 2Q 2024). Net income: US$324.0m (up 22% from 2Q 2024). Profit margin: 17% (up from 16% in 2Q 2024). Revenue exceeded analyst estimates by 2.1%. Earnings per share (EPS) also surpassed analyst estimates by 34%. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 59% per year but the company’s share price has increased by 6% per year, which means it is well ahead of earnings.
Major Estimate Revision • Jul 20Consensus EPS estimates increase by 12%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate increased from US$2.05 to US$2.30. Revenue forecast steady at US$8.01b. Net income forecast to grow 389% next year vs 19% growth forecast for Consumer Finance industry in the US. Consensus price target up from US$43.17 to US$45.47. Share price was steady at US$39.88 over the past week.
공시 • Jul 17Ally Financial Inc. Declares a Quarterly Cash Dividend of the Company's Common Stock, Payable on August 15, 2025The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on August 15, 2025, to shareholders of record on August 1, 2025.
New Risk • Jun 24New major risk - Revenue and earnings growthEarnings have declined by 18% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 18% per year over the past 5 years. Minor Risks Dividend is not well covered by earnings (193% payout ratio). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (2.9% net profit margin).
공시 • Jun 19Redemption Holding Company, Central Bancorporation and Ally Financial Inc. (NYSE:ALLY) completed the acquisition of Holladay Bank and Trust.Redemption Holding Company, Central Bancorporation and Ally Financial Inc. (NYSE:ALLY) agreed to acquire Holladay Bank and Trust on February 28, 2023. Former White House Policy Advisor and Regional Administrator Ashley D. Bell will serve as RHC's executive chairman and chief executive officer. Dr. Bernice A. King and Coretta Scott King, will serve as the bank's senior vice president. As of December 31, 2022, Redemption Holding Company reported $68 million total assets. Performance Trust Capital Partners, LLC acted as financial advisor to Redemption Holding Company. The team of Nelson Mullins Riley & Scarborough LLP led by Neil Grayson, Ben Barnhill, Mateo Hoyos and Mary Campbell acted as legal advisor to Redemption Holding Company. Parsons, Behle & Latimer PC acted as legal advisor to Holladay Bank and Trust. Redemption Holding Company, Central Bancorporation and Ally Financial Inc. (NYSE:ALLY) completed the acquisition of Holladay Bank and Trust on June 19, 2025.
공시 • Jun 18Ally Financial Inc. to Report Q2, 2025 Results on Jul 18, 2025Ally Financial Inc. announced that they will report Q2, 2025 results at 7:30 AM, US Eastern Standard Time on Jul 18, 2025
공시 • May 09Ally Financial Inc. Announces Board ChangesAlly Financial Inc. announced that Ken Bacon will be retiring from the Board, and the company welcomes Michelle Goldberg to the Board.
Seeking Alpha • Apr 25Ally Financial: It's Fairly Valued But Beware Of Tariffs And Technical RisksSummary 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 Alpha
Major Estimate Revision • Apr 24Consensus EPS estimates fall by 33%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has deteriorated. 2025 revenue forecast decreased from US$8.45b to US$8.00b. EPS estimate also fell from US$3.13 per share to US$2.11 per share. Net income forecast to grow 367% next year vs 19% growth forecast for Consumer Finance industry in the US. Consensus price target broadly unchanged at US$41.72. Share price was steady at US$32.06 over the past week.
Buy Or Sell Opportunity • Apr 21Now 23% undervalued after recent price dropOver the last 90 days, the stock has fallen 21% to US$30.09. The fair value is estimated to be US$39.14, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 9.5% over the last 3 years. Earnings per share has declined by 55%. Revenue is forecast to grow by 39% in 2 years. Earnings are forecast to grow by 811% in the next 2 years.
Declared Dividend • Apr 20First quarter dividend of US$0.30 announcedDividend of US$0.30 is the same as last year. Ex-date: 1st May 2025 Payment date: 15th May 2025 Dividend yield will be 3.8%, which is higher than the industry average of 2.0%. Sustainability & Growth Dividend is not covered by earnings (193% earnings payout ratio). However, the dividend is expected to be well covered in 3 years' time (25% forecast payout ratio). The dividend has increased by an average of 16% per year over the past 9 years and payments have been stable during that time. The company's earnings per share (EPS) would need to grow by 115% to bring the payout ratio under control. EPS is expected to grow by 187% over the next 3 years, which is sufficient to bring the dividend into a sustainable range.
Reported Earnings • Apr 17First quarter 2025 earnings: EPS and revenues miss analyst expectationsFirst quarter 2025 results: US$0.83 loss per share (down from US$0.42 profit in 1Q 2024). Revenue: US$1.59b (down 5.5% from 1Q 2024). Net loss: US$253.0m (down 296% from profit in 1Q 2024). Revenue missed analyst estimates by 22%. Earnings per share (EPS) were also behind analyst expectations. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 55% per year but the company’s share price has only fallen by 10% per year, which means it has not declined as severely as earnings.
공시 • Apr 16Ally Financial Inc. Declares Dividend on Common Stock, Payable on May 15, 2025The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on May 15, 2025, to shareholders of record on May 1, 2025.
Valuation Update With 7 Day Price Move • Apr 08Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to US$30.57, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 8x in the Consumer Finance industry in the US. Total loss to shareholders of 21% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$44.13 per share.
공시 • Apr 02Merrick Bank completed the acquisition of Credit card business of Ally Financial Inc(NYSE:ALLY).Merrick Bank have entered into a definitive agreement to acquire Credit card business of Ally Financial Inc(NYSE:ALLY) on January 20, 2025. Under the terms of agreement, Merrick Bank, to acquire Ally's credit card business, including a portfolio of $2.3 billion in credit card receivables with 1.3 million active cardholders as of December 31, 2024. Ally and CardWorks will work together to ensure a smooth transition for customers and employees. The transaction is expected to close in 2025, subject to the completion of customary closing conditions. As per amended filing, The transaction is expected to close during the second quarter of 2025. J.P. Morgan Securities LLC acted as financial advisor and Sullivan & Cromwell LLP acted as legal advisor for Ally Financial Inc. Ting S. Chen, Andrew M. Wark, J. Leonard Teti II, Jonathan J. Katz, Arian Mossanenzadeh, Jelena McWilliams, Will C. Giles, Lucas E. Beirne, David J. Kappos, and Noah Joshua Phillips of Cravath, Swaine & Moore LLP acted as legal advisor for CardWorks. Merrick Bank completed the acquisition of Credit card business of Ally Financial Inc(NYSE:ALLY) on April 1, 2025.
공시 • Mar 24Ally Financial Inc., Annual General Meeting, May 06, 2025Ally Financial Inc., Annual General Meeting, May 06, 2025.
공시 • Mar 12Ally Financial Inc. to Report Q1, 2025 Results on Apr 17, 2025Ally Financial Inc. announced that they will report Q1, 2025 results at 7:30 AM, US Eastern Standard Time on Apr 17, 2025
Buy Or Sell Opportunity • Mar 03Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 10.0% to US$35.21. The fair value is estimated to be US$44.14, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 9.8% over the last 3 years. Earnings per share has declined by 50%. For the next 3 years, revenue is forecast to grow by 12% per annum. Earnings are also forecast to grow by 34% per annum over the same time period.
Seeking Alpha • Feb 24Ally Financial: Planned Credit Card Business Sale Shows Renewed Focus On Core BusinessSummary 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 Alpha
Reported Earnings • Feb 21Full year 2024 earnings: EPS misses analyst expectationsFull year 2024 results: EPS: US$1.82 (down from US$2.80 in FY 2023). Revenue: US$6.75b (down 5.0% from FY 2023). Net income: US$559.0m (down 34% from FY 2023). Profit margin: 8.3% (down from 12% in FY 2023). The decrease in margin was driven by lower revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 38%. Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 50% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.
Buy Or Sell Opportunity • Feb 03Now 21% undervaluedOver the last 90 days, the stock has risen 8.2% to US$38.11. The fair value is estimated to be US$48.05, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 9.7% over the last 3 years. Earnings per share has declined by 49%. For the next 3 years, revenue is forecast to grow by 11% per annum. Earnings are also forecast to grow by 33% per annum over the same time period.
Major Estimate Revision • Jan 29Consensus EPS estimates fall by 13%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has deteriorated. 2025 revenue forecast decreased from US$8.76b to US$8.57b. EPS estimate also fell from US$4.23 per share to US$3.66 per share. Net income forecast to grow 107% next year vs 29% growth forecast for Consumer Finance industry in the US. Consensus price target up from US$42.89 to US$44.63. Share price rose 2.3% to US$39.06 over the past week.
Recent Insider Transactions • Jan 28Chief Financial Officer recently bought US$753k worth of stockOn the 24th of January, Russell E Hutchinson bought around 19k shares on-market at roughly US$39.45 per share. This transaction amounted to 10% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Russell E's only on-market trade for the last 12 months.
Seeking Alpha • Jan 24Ally Financial: Asset Sale Should Not Outweigh A Mixed OutlookSummary 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 Alpha
Reported Earnings • Jan 23Full year 2024 earnings: EPS misses analyst expectationsFull year 2024 results: EPS: US$1.82 (down from US$3.00 in FY 2023). Revenue: US$6.82b (down 4.1% from FY 2023). Net income: US$559.0m (down 39% from FY 2023). Profit margin: 8.2% (down from 13% in FY 2023). The decrease in margin was primarily driven by lower revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 38%. Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 49% per year but the company’s share price has only fallen by 5% per year, which means it has not declined as severely as earnings.
Declared Dividend • Jan 22Third quarter dividend of US$0.30 announcedDividend of US$0.30 is the same as last year. Ex-date: 31st January 2025 Payment date: 14th February 2025 Dividend yield will be 3.0%, which is higher than the industry average of 2.0%. Sustainability & Growth Dividend is well covered by earnings (47% payout ratio) and is expected to be well covered in 3 years' time (23% forecast payout ratio). The dividend has increased by an average of 16% per year over the past 9 years and payments have been stable during that time. EPS is expected to grow by 98% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
공시 • Jan 17Ally Financial Inc. Declares Dividend on Common Stock, Payable on February 14, 2025The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on February 14, 2025, to shareholders of record on January 31, 2025.
Seeking Alpha • Dec 26Ally Financial: Holding Out For Stronger Loan Growth, Better Profit MarginSummary 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
공시 • Dec 20Ally Financial Inc. to Report Q4, 2024 Results on Jan 22, 2025Ally Financial Inc. announced that they will report Q4, 2024 results at 7:30 AM, US Eastern Standard Time on Jan 22, 2025
공시 • Nov 24Ally Financial Reportedly Weighs Sale of Credit Card BusinessAlly Financial Inc. (NYSE:ALLY) is exploring a sale of its credit card arm, according to people familiar with the matter, after getting back into that business through an acquisition three years ago. The Detroit-based auto lender is working with a financial adviser to find buyers for the unit, said the people, who asked to not be identified because the deliberations are private. While it isn’t clear what the business is worth, Ally agreed to pay $750 million for the unit in 2021, when it was known as Fair Square Financial. Ally had about $2.1 billion in credit card loans on average at the end of the third quarter, according to its most recent earnings report. A representative for Ally declined to comment. A sale would mark a swift retreat from the intensely competitive credit card business, where Ally competes with giant players such as Capital One Financial Corp. In 2019, Ally wound down a cash-back card that it had offered with Toronto-Dominion Bank. A year later, the company terminated a $2.65 billion deal to buy subprime credit card lender CardWorks, at a time when the market had been upended by the coronavirus pandemic.
공시 • Nov 20Ally Financial Inc. Announces Executive ChangesAlly Financial Inc. announced that effective immediately, Stephanie Richard has been appointed chief risk officer, responsible for execution of Ally's independent risk management. Throughout Richard's nearly 27-year tenure at Ally, she has served in numerous roles of increasing levels of responsibility within the finance, treasury and risk management functions, including chief audit executive and deputy chief risk officer. She has a long and respected reputation with key regulators and designed the company's risk appetite framework and stress testing process. Ally's prior chief risk officer, Jason Schugel, will transition to an interim senior advisor role before leaving the company. Additionally, Lindsay Sacknoff will join the company as head of Deposits and Invest, including Customer Care and Experience, effective January 13. She will report to the CEO and will be based in Charlotte. Sacknoff brings more than two decades of banking experience and most recently led USAA's payments and omnichannel sales and services organization. Prior to USAA, Sacknoff served in a wide variety of roles at TD Bank, including Head of US Consumer Deposits, Products and Payments. Sacknoff was also named one of American Banker's Most Powerful Women in Banking NEXT honorees in 2020. In addition, Ali Summerville, Ally's business administration executive, has elected to leave the company. As part of the new structure, Kathie Patterson, Ally's chief human resources officer, will assume responsibility for the Ally Charitable Foundation. Additionally, Sean Leary has been named chief financial planning and investor relations officer, taking on additional responsibility for all business line chief financial officer duties, continuing to report to Ally's CFO Russ Hutchinson. Leary previously served as the head of investor relations and corporate financial planning and analysis.
Buy Or Sell Opportunity • Nov 01Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 14% to US$35.05. The fair value is estimated to be US$44.63, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 9.6% over the last 3 years. Earnings per share has declined by 46%. For the next 3 years, revenue is forecast to grow by 11% per annum. Earnings are also forecast to grow by 29% per annum over the same time period.
Upcoming Dividend • Oct 27Upcoming dividend of US$0.30 per shareEligible shareholders must have bought the stock before 01 November 2024. Payment date: 15 November 2024. Payout ratio is a comfortable 47% and this is well supported by cash flows. Trailing yield: 3.5%. Lower than top quartile of American dividend payers (4.5%). Higher than average of industry peers (1.8%).
Major Estimate Revision • Oct 25Consensus EPS estimates increase by 14%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate increased from US$2.52 to US$2.88. Revenue forecast steady at US$8.13b. Net income forecast to grow 59% next year vs 21% growth forecast for Consumer Finance industry in the US. Consensus price target broadly unchanged at US$40.18. Share price fell 3.8% to US$34.49 over the past week.
Seeking Alpha • Oct 24Ally Financial: Shares Are Unlikely To Rebound Until Delinquencies StabilizeSummary 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 Alpha
Reported Earnings • Oct 18Third quarter 2024 earnings: EPS and revenues exceed analyst expectationsThird quarter 2024 results: EPS: US$1.08 (up from US$0.88 in 3Q 2023). Revenue: US$1.66b (flat on 3Q 2023). Net income: US$330.0m (up 23% from 3Q 2023). Profit margin: 20% (up from 16% in 3Q 2023). Revenue exceeded analyst estimates by 3.6%. Earnings per share (EPS) also surpassed analyst estimates by 150%. Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Consumer Finance industry in the US. Over the last 3 years on average, earnings per share has fallen by 46% per year but the company’s share price has only fallen by 12% per year, which means it has not declined as severely as earnings.
Declared Dividend • Oct 13Second quarter dividend of US$0.30 announcedDividend of US$0.30 is the same as last year. Ex-date: 1st November 2024 Payment date: 15th November 2024 Dividend yield will be 3.4%, which is higher than the industry average of 2.0%. Sustainability & Growth Dividend is covered by earnings (51% payout ratio) and is expected to be covered in 3 years' time (22% forecast payout ratio). The dividend has increased by an average of 18% per year over the past 8 years and payments have been stable during that time. EPS is expected to grow by 120% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
공시 • Oct 10Ally Financial Inc. Declares Quarterly Cash Dividend on Common Stock, Payable on November 15, 2024The board of directors of Ally Financial Inc. declared a quarterly cash dividend of $0.30 per share of the company's common stock, payable on November 15, 2024, to stockholders of record on November 1, 2024.
Buy Or Sell Opportunity • Oct 08Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 15% to US$34.88. The fair value is estimated to be US$43.73, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 8.4% over the last 3 years. Earnings per share has declined by 43%. For the next 3 years, revenue is forecast to grow by 11% per annum. Earnings are also forecast to grow by 30% per annum over the same time period.
공시 • Sep 18Ally Financial Inc. to Report Q3, 2024 Results on Oct 18, 2024Ally Financial Inc. announced that they will report Q3, 2024 results on Oct 18, 2024
Major Estimate Revision • Sep 16Consensus EPS estimates fall by 13%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate fell from US$3.22 to US$2.80 per share. Revenue forecast steady at US$8.18b. Net income forecast to grow 73% next year vs 20% growth forecast for Consumer Finance industry in the US. Consensus price target down from US$46.90 to US$42.64. Share price fell 17% to US$33.03 over the past week.
Price Target Changed • Sep 13Price target decreased by 7.3% to US$43.48Down from US$46.90, the current price target is an average from 19 analysts. New target price is 32% above last closing price of US$32.89. Stock is up 13% over the past year. The company is forecast to post earnings per share of US$2.94 for next year compared to US$3.00 last year.
공시 • Sep 11Ally Financial Inc. Appoints Hope Mehlman as Chief Legal and Corporate Affairs Officer, Effective December 2, 2024Ally Financial Inc. announced Hope Mehlman will join the company as chief legal and corporate affairs officer, effective Dec. 2, 2024. Mehlman will lead a newly created Legal Corporate Affairs Office which will oversee all regulatory and legal matters. She will have responsibility for the organization's legal, compliance, government relations, environmental sustainability and community reinvestment teams. Mehlman brings more than 20 years of leadership experience in retail and commercial banking, most recently as Discover's chief legal officer, general counsel and corporate secretary. Prior to Discover, she served as general counsel and corporate secretary at Bank of the West, corporate secretary of BNP Paribas USA, and executive vice president, corporate secretary, chief governance officer, and deputy general counsel of Regions Financial, where she also served as senior compliance officer. In 2024, Mehlman was named a General Counsel of the Year by Women, Influence and Power in Law, and in 2023, she was inducted into the Corporate Governance Hall of Fame by Governance Intelligence. She was also the recipient of the 2023 'William H. Avery Award for Equal Access to Justice' presented by Legal Aid Society, Metropolitan Family Services, Chicago. She's also a frequent guest lecturer at Stanford and a contributing author of several whitepapers. Mehlman holds a Bachelor of Arts from Cornell University, a Juris Doctor from Seton Hall University Law School, and a Master of Laws in Taxation from New York University School of Law.
Valuation Update With 7 Day Price Move • Sep 10Investor sentiment deteriorates as stock falls 22%After last week's 22% share price decline to US$32.67, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 9x in the Consumer Finance industry in the US. Total loss to shareholders of 30% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$52.96 per share.
