Ally Financial Inc.

DB:GMZ Stock Report

Market Cap: €10.8b

Ally Financial Past Earnings Performance

Past criteria checks 1/6

Ally Financial's earnings have been declining at an average annual rate of -8.6%, while the Consumer Finance industry saw earnings growing at 20.9% annually. Revenues have been growing at an average rate of 3.3% per year. Ally Financial's return on equity is 6%, and it has net margins of 11.5%.

Key information

-8.6%

Earnings growth rate

-3.8%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate3.3%
Return on equity6.0%
Net Margin11.5%
Next Earnings Update22 Jan 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Ally Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:GMZ Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 246,7647752,9520
30 Jun 246,7777143,0010
31 Mar 246,9097493,0240
31 Dec 237,1069123,0690
30 Sep 237,3551,1133,1840
30 Jun 237,4991,1173,2220
31 Mar 237,6381,2703,2380
31 Dec 227,9431,6053,1800
30 Sep 228,1771,9843,0450
30 Jun 228,4612,3942,7760
31 Mar 228,7422,8392,7260
31 Dec 218,6713,0082,4540
30 Sep 218,5933,0652,3880
30 Jun 218,2542,8582,3480
31 Mar 217,5572,2012,4030
31 Dec 206,2001,0862,4520
30 Sep 205,7227802,5050
30 Jun 205,5326852,4520
31 Mar 205,5741,0272,4870
31 Dec 196,3791,7212,4400
30 Sep 196,1621,6292,4070
30 Jun 196,1101,6222,3850
31 Mar 196,0581,3862,3880
31 Dec 185,9121,2632,4020
30 Sep 185,9401,1532,3880
30 Jun 185,8411,0592,4000
31 Mar 185,7839652,3930
31 Dec 175,8619262,5210
30 Sep 175,9399932,6430
30 Jun 176,0539742,7590
31 Mar 176,1661,0622,8380
31 Dec 166,2891,0812,9240
30 Sep 166,413-1043,0200
30 Jun 166,498-1303,1810
31 Mar 166,584-1,5543,2830
31 Dec 156,760-1,6743,3700
30 Sep 156,770-6523,5540
30 Jun 156,862-6613,4980
31 Mar 156,8406393,4230
31 Dec 146,6296573,3410
30 Sep 146,5032043,0440
30 Jun 146,316-453,0480
31 Mar 146,072-3643,1370
31 Dec 135,816-6343,1970

Quality Earnings: GMZ has high quality earnings.

Growing Profit Margin: GMZ's current net profit margins (11.5%) are lower than last year (15.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: GMZ's earnings have declined by 8.6% per year over the past 5 years.

Accelerating Growth: GMZ's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: GMZ had negative earnings growth (-30.4%) over the past year, making it difficult to compare to the Consumer Finance industry average (3.2%).

Return on Equity

High ROE: GMZ's Return on Equity (6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 00:37
End of Day Share Price 2024/12/18 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Ally Financial Inc. is covered by 37 analysts. 17 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jason GoldbergBarclays
Jason GoldbergBarclays
James FotheringhamBMO Capital Markets Equity Research