Ally Financial (LSE:0HD0) - Stock Price, News & Analysis

0HD0 Stock Overview

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States, Canada, and Bermuda.

About the company

0HD0 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	4/6
Past Performance	1/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 18.4% below our estimate of its fair value

Earnings are forecast to grow 25.19% per year

Risk Analysis

Unstable dividend track record

Profit margins (10.8%) are lower than last year (16.6%)

Ally Financial Inc. Competitors

Kaspi.kz

LSE:KSPI

US$22.8b

S&U

LSE:SUS

UK£229.6m

International Personal Finance

LSE:IPF

UK£238.1m

H&T Group

AIM:HAT

UK£179.7m

Price History & Performance

Summary of all time highs, changes and price drops for Ally Financial
Historical stock prices
Current Share Price	US$39.57
52 Week High	US$41.53
52 Week Low	US$22.54
Beta	1.38
1 Month Change	-0.13%
3 Month Change	5.10%
1 Year Change	50.45%
3 Year Change	-23.40%
5 Year Change	34.31%
Change since IPO	30.29%

Recent updates

Shareholder Returns

	0HD0	GB Consumer Finance	GB Market
7D	1.4%	6.4%	2.2%
1Y	50.5%	-31.7%	0.9%

Return vs Industry: 0HD0 exceeded the UK Consumer Finance industry which returned -31.7% over the past year.

Return vs Market: 0HD0 exceeded the UK Market which returned 0.9% over the past year.

Price Volatility

Is 0HD0's price volatile compared to industry and market?
0HD0 volatility
0HD0 Average Weekly Movement	4.6%
Consumer Finance Industry Average Movement	8.5%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	11.3%
10% least volatile stocks in GB Market	2.7%

Stable Share Price: 0HD0 has not had significant price volatility in the past 3 months.

Volatility Over Time: 0HD0's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1919	11,100	Doug Timmerman	www.ally.com

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

Ally Financial Inc. Fundamentals Summary

How do Ally Financial's earnings and revenue compare to its market cap?
0HD0 fundamental statistics
Market cap	US$11.90b
Earnings (TTM)	US$749.00m
Revenue (TTM)	US$6.91b

15.9x

P/E Ratio

1.7x

P/S Ratio

Is 0HD0 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0HD0 income statement (TTM)
Revenue	US$6.91b
Cost of Revenue	US$0
Gross Profit	US$6.91b
Other Expenses	US$6.16b
Earnings	US$749.00m

Last Reported Earnings

Mar 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.46
Gross Margin	100.00%
Net Profit Margin	10.84%
Debt/Equity Ratio	124.6%

How did 0HD0 perform over the long term?

See historical performance and comparison

Dividends

3.1%

Current Dividend Yield

49%

Payout Ratio

Does 0HD0 pay a reliable dividends?

See 0HD0 dividend history and benchmarks

When do you need to buy 0HD0 by to receive an upcoming dividend?
Ally Financial dividend dates
Ex Dividend Date	Apr 30 2024
Dividend Pay Date	May 15 2024
Days until Ex dividend	3 days
Days until Dividend pay date	18 days

Does 0HD0 pay a reliable dividends?

See 0HD0 dividend history and benchmarks

0HD0 Stock Overview

Rewards

Risk Analysis

Ally Financial Inc. Competitors

LSE:KSPI

US$22.8b

LSE:SUS

UK£229.6m

LSE:IPF

UK£238.1m

AIM:HAT

UK£179.7m

Price History & Performance

Recent News & Updates

Upcoming dividend of US$0.30 per share

Upcoming dividend of US$0.30 per share

Upcoming dividend of US$0.30 per share

First quarter 2024 earnings released: EPS: US$0.43 (vs US$0.96 in 1Q 2023)

Fourth quarter dividend of US$0.30 announced

Ally Financial Inc. Declares Quarterly Cash Dividend, Payable on May 15, 2024

Recent updates

Upcoming dividend of US$0.30 per share

Upcoming dividend of US$0.30 per share

Upcoming dividend of US$0.30 per share

First quarter 2024 earnings released: EPS: US$0.43 (vs US$0.96 in 1Q 2023)

Fourth quarter dividend of US$0.30 announced

Ally Financial Inc. Declares Quarterly Cash Dividend, Payable on May 15, 2024

Ally Financial Inc., Annual General Meeting, May 07, 2024

Ally Financial Inc. Appoints Michael G. Rhodes as Member of Board of Directors, Effective April 29, 2024

Ally Financial Inc. to Report Q1, 2024 Results on Apr 18, 2024

Synchrony Financial (NYSE:SYF) completed the acquisition of Ally Lending from Ally Financial Inc.

Full year 2023 earnings released: EPS: US$3.00 (vs US$5.07 in FY 2022)

Now 23% undervalued

Upcoming dividend of US$0.30 per share at 3.3% yield

Full year 2023 earnings released: EPS: US$3.00 (vs US$5.07 in FY 2022)

Ally Financial Inc. Announces Net Charge-Offs for the Fourth Quarter of 2023

Ally Financial Inc. Declares a Quarterly Cash Dividend, Payable on February 15, 2024

Ally Financial Inc. Announces CEO Changes

Ally Financial Inc. to Report Q4, 2023 Results on Jan 19, 2024

Ally Financial Inc. Announces Executive Changes

Ally Financial Inc. Announces Retirement of Diane E. Morais as President of Consumer and Commercial Banking, Effective July 1, 2024

Now 22% undervalued

Now 22% undervalued after recent price drop

Upcoming dividend of US$0.30 per share at 5.2% yield

Third quarter 2023 earnings released: EPS: US$0.88 (vs US$0.89 in 3Q 2022)

Ally Financial CEO Jeffrey J. Brown Announces Plans to Step Down

Ally Financial Inc. Declares Quarterly Cash Dividend on Common Stock, Payable on November 15, 2023

Now 21% undervalued

Ally Financial Inc. to Report Q3, 2023 Results on Oct 18, 2023

Ally Financial Inc. Appoints Thomas (Todd) P. Gibbons as A Member of the Board

Upcoming dividend of US$0.30 per share at 4.2% yield

Second quarter 2023 earnings released: EPS: US$1.00 (vs US$1.41 in 2Q 2022)

Ally Financial Inc. Declares Quarterly Dividend on Common Stock, Payable on August 15, 2023

Now 22% undervalued after recent price drop

Now 20% undervalued

Ally Financial Inc. to Report Q2, 2023 Results on Jul 19, 2023

Now 21% undervalued after recent price drop

First quarter 2023 earnings released: EPS: US$0.97 (vs US$1.87 in 1Q 2022)

Investor sentiment deteriorates as stock falls 16%

Now 21% undervalued

Full year 2022 earnings released: EPS: US$5.07 (vs US$8.30 in FY 2021)

Now 21% undervalued

Now 22% undervalued

Upcoming dividend of US$0.30 per share at 3.7% yield

Full year 2022 earnings released: EPS: US$5.07 (vs US$8.30 in FY 2021)

Investor sentiment improved over the past week

Ally Financial Inc. Declares Quarterly Cash Dividend, Payable on February 15, 2023

Ally Financial Inc. to Report Q4, 2022 Results on Jan 20, 2023

Investor sentiment improved over the past week

Independent Director recently bought US$55k worth of stock

Ally Financial Inc., Annual General Meeting, May 03, 2023

Upcoming dividend of US$0.30 per share

Third quarter 2022 earnings released

Ally Financial Inc. Announces Executive Changes

Ally Financial Inc. Declares Quarterly Cash Dividend on Common Stock, Payable on November 15, 2022

Ally Financial Inc. to Report Q3, 2022 Results on Oct 19, 2022

Upcoming dividend of US$0.30 per share

Second quarter 2022 earnings released: EPS: US$1.41 (vs US$2.43 in 2Q 2021)

Ally Financial Inc. Reports Net Charge-Offs for the Second Quarter Ended June 30, 2022

Ally Financial Inc. Declares Quarterly Cash Dividend on Common Stock, Payable on August 15, 2022