Ally Financial Future Growth

Future criteria checks 4/6

Ally Financial is forecast to grow earnings and revenue by 27.7% and 10.8% per annum respectively. EPS is expected to grow by 26.8% per annum. Return on equity is forecast to be 12% in 3 years.

Key information

27.7%

Earnings growth rate

26.8%

EPS growth rate

Consumer Finance earnings growth	13.5%
Revenue growth rate	10.8%
Future return on equity	12.0%
Analyst coverage	Good
Last updated	12 Dec 2024

Recent future growth updates

Recent updates

Ally Financial: Credit Concerns Likely Limit Upside After Q2 Results (Downgrade)

Jul 17

Ally Financial: Improving Credit Metrics, But Caution Is Warranted

Jun 30

Ally Financial (NYSE:ALLY) Is Paying Out A Dividend Of $0.30

Apr 25

Ally Financial: Strong Q1 Results Point To Accelerating Earnings

Apr 19

Ally Financial: Potentially Undervalued And Benefits From Strong Auto Segment Growth

Feb 26

Neutral On Ally Financial Based On My 2025 EPS Forecast Math

Jan 29

Ally Financial Earnings: The Current Narrative Could Change Rather Quickly

Jan 17

Household Financial Distress Is Rising - Short Ally Financial

Jan 09

Ally Financial Is A Risky, Yet Promising Investment

Dec 08

Ally Financial: Driving Forward With A Strong Moat In A High-Yield Environment

Oct 26

Ally Financial's Discount To Tangible Book Makes Little Sense

Oct 19

Ally Financial: Collecting The Dividend While The Price Recovers

Oct 11

Ally Is Attractive And A Potential Winner From The Auto Strike

Sep 20

Falling Car Prices Leave Ally Financial Without Proper Collateral

Aug 30

Arch Capital - Ally Financial: Expect Market-Beating Returns Over The Next 3-5 Years

Aug 17

Buy Ally Financial Before Mr. Market Realizes He Has Been Too Pessimistic

Jul 24

Ally Financial: Undervalued Online Bank But Holding Out For A Better Price

Jul 17

Big Banks Have Massive Exposure: A Look At Ally Financial

Jun 16

Ally Financial: Trading Cheaply, But Not Worth Buying

Jun 09

Ally Financial: A Risky Play, Unlikely To Work In A Recession

Feb 23

Ally Financial: Be Fearful When Others Are Greedy

Feb 03

Ally Financial: It Could Get Worse

Dec 29

Earnings and Revenue Growth Forecasts

NYSE:ALLY - Analysts future estimates and past financials data (USD Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2026	9,596	1,898	N/A	N/A	15
12/31/2025	8,791	1,338	N/A	N/A	17
12/31/2024	8,107	913	N/A	N/A	16
9/30/2024	6,764	775	763	3,891	N/A
6/30/2024	6,777	714	1,692	4,559	N/A
3/31/2024	6,909	749	1,845	4,572	N/A
12/31/2023	7,106	912	1,904	4,663	N/A
9/30/2023	7,355	1,113	2,987	5,853	N/A
6/30/2023	7,499	1,117	2,561	5,795	N/A
3/31/2023	7,638	1,270	2,711	6,038	N/A
12/31/2022	7,943	1,605	2,715	6,247	N/A
9/30/2022	8,177	1,984	2,304	6,033	N/A
6/30/2022	8,461	2,394	1,999	5,892	N/A
3/31/2022	8,742	2,839	-284	4,513	N/A
12/31/2021	8,671	3,008	-1,078	4,042	N/A
9/30/2021	8,593	3,065	-1,107	4,218	N/A
6/30/2021	8,254	2,858	-1,198	4,199	N/A
3/31/2021	7,557	2,201	-356	4,095	N/A
12/31/2020	6,200	1,086	-581	3,739	N/A
9/30/2020	5,722	780	-791	3,521	N/A
6/30/2020	5,532	685	-835	3,368	N/A
3/31/2020	5,574	1,027	-586	3,783	N/A
12/31/2019	6,379	1,721	27	4,050	N/A
9/30/2019	6,162	1,629	284	3,939	N/A
6/30/2019	6,110	1,622	614	3,985	N/A
3/31/2019	6,058	1,386	602	4,134	N/A
12/31/2018	5,912	1,263	441	4,150	N/A
9/30/2018	5,940	1,153	-149	4,050	N/A
6/30/2018	5,841	1,059	N/A	4,018	N/A
3/31/2018	5,783	965	N/A	4,001	N/A
12/31/2017	5,861	926	N/A	4,079	N/A
9/30/2017	5,939	993	N/A	4,351	N/A
6/30/2017	6,053	974	N/A	4,201	N/A
3/31/2017	6,166	1,062	N/A	4,540	N/A
12/31/2016	6,289	1,081	N/A	4,567	N/A
9/30/2016	6,413	-104	N/A	4,730	N/A
6/30/2016	6,498	-130	N/A	5,804	N/A
3/31/2016	6,584	-1,554	N/A	6,066	N/A
12/31/2015	6,760	-1,674	N/A	5,111	N/A
9/30/2015	6,770	-652	N/A	4,915	N/A
6/30/2015	6,862	-661	N/A	3,633	N/A
3/31/2015	6,840	639	N/A	2,718	N/A
12/31/2014	6,629	657	N/A	3,403	N/A
9/30/2014	6,503	204	N/A	736	N/A
6/30/2014	6,316	-45	N/A	753	N/A
3/31/2014	6,072	-364	N/A	3,273	N/A
12/31/2013	5,816	-634	N/A	4,595	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: ALLY's forecast earnings growth (27.7% per year) is above the savings rate (2.6%).

Earnings vs Market: ALLY's earnings (27.7% per year) are forecast to grow faster than the US market (15.3% per year).

High Growth Earnings: ALLY's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: ALLY's revenue (10.8% per year) is forecast to grow faster than the US market (9.1% per year).

High Growth Revenue: ALLY's revenue (10.8% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: ALLY's Return on Equity is forecast to be low in 3 years time (12%).

Discover growth companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/18 08:28
End of Day Share Price	2024/12/18 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

Analyst	Institution
Jason Goldberg	Barclays
Jason Goldberg	Barclays
James Fotheringham	BMO Capital Markets Equity Research

Ally Financial Future Growth

Future criteria checks 4/6

Key information

Recent future growth updates

Consensus EPS estimates increase by 14%

Consensus EPS estimates fall by 13%

Price target decreased by 7.3% to US$43.48

Consensus EPS estimates increase by 14%

Price target increased by 7.4% to US$39.61

Price target increased by 8.7% to US$35.47

Recent updates

Ally Financial Reportedly Weighs Sale of Credit Card Business

Ally Financial Reportedly Weighs Sale of Credit Card Business

Ally Financial Inc. Announces Executive Changes

Now 21% undervalued after recent price drop

Upcoming dividend of US$0.30 per share

Consensus EPS estimates increase by 14%

Ally Financial: Shares Are Unlikely To Rebound Until Delinquencies Stabilize

Third quarter 2024 earnings: EPS and revenues exceed analyst expectations

Ally Financial (NYSE:ALLY) Will Pay A Dividend Of $0.30

Second quarter dividend of US$0.30 announced

Ally Financial Inc. Declares Quarterly Cash Dividend on Common Stock, Payable on November 15, 2024

Now 20% undervalued after recent price drop

Ally Financial Inc. to Report Q3, 2024 Results on Oct 18, 2024

Consensus EPS estimates fall by 13%

Price target decreased by 7.3% to US$43.48

Ally Financial Inc. Appoints Hope Mehlman as Chief Legal and Corporate Affairs Officer, Effective December 2, 2024

Investor sentiment deteriorates as stock falls 22%

Ally Financial: Bright Outlook Ahead, But Is Overvalued

Now 23% undervalued

Consensus EPS estimates increase by 14%

Ally Financial (NYSE:ALLY) Has Announced A Dividend Of $0.30

Second quarter 2024 earnings released: EPS: US$0.87 (vs US$0.99 in 2Q 2023)

Ally Financial: Credit Concerns Likely Limit Upside After Q2 Results (Downgrade)

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

Ally Financial: Improving Credit Metrics, But Caution Is Warranted

Ally Financial Inc. to Report Q2, 2024 Results on Jul 17, 2024

First quarter 2024 earnings: EPS and revenues exceed analyst expectations

Upcoming dividend of US$0.30 per share

Ally Financial (NYSE:ALLY) Is Paying Out A Dividend Of $0.30

First quarter dividend of US$0.30 announced

Ally Financial: Strong Q1 Results Point To Accelerating Earnings

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

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.

Ally Financial: Potentially Undervalued And Benefits From Strong Auto Segment Growth

Full year 2023 earnings: EPS misses analyst expectations

Price target increased by 7.4% to US$39.61

Neutral On Ally Financial Based On My 2025 EPS Forecast Math

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

Fourth quarter dividend of US$0.30 announced

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

Ally Financial Earnings: The Current Narrative Could Change Rather Quickly

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

Ally Financial Inc. Announces CEO Changes

Household Financial Distress Is Rising - Short Ally Financial

Price target increased by 8.7% to US$35.47

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

Ally Financial Inc. Announces Executive Changes

Ally Financial Is A Risky, Yet Promising Investment

Investor sentiment improves as stock rises 15%

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

Ally Financial: Driving Forward With A Strong Moat In A High-Yield Environment

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

Second quarter 2023 earnings released: EPS: US$0.99 (vs US$1.41 in 2Q 2022)

Now 22% undervalued after recent price drop

Ally Financial's Discount To Tangible Book Makes Little Sense

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

Ally Financial Inc. Announces Jeffrey J. Brown Announces Plans to Step Down as Member Board of Directors

Ally Financial: Collecting The Dividend While The Price Recovers

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

Now 21% undervalued after recent price drop

Ally Is Attractive And A Potential Winner From The Auto Strike

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

Falling Car Prices Leave Ally Financial Without Proper Collateral

Arch Capital - Ally Financial: Expect Market-Beating Returns Over The Next 3-5 Years

Now 22% undervalued