Ally Financial Inc.

NYSE:ALLY Stock Report

Market Cap: US$11.1b

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 4.3% 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 Growth7.2%
Revenue growth rate3.3%
Return on equity6.0%
Net Margin11.5%
Next Earnings Update22 Jan 2025

Recent past performance updates

Recent updates

Ally Financial: Shares Are Unlikely To Rebound Until Delinquencies Stabilize

Oct 24

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

Oct 13
Ally Financial (NYSE:ALLY) Will Pay A Dividend Of $0.30

Ally Financial: Bright Outlook Ahead, But Is Overvalued

Sep 06

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

Jul 19
Ally Financial (NYSE:ALLY) Has Announced A Dividend Of $0.30

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

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

Revenue & Expenses Breakdown

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

Earnings and Revenue History

NYSE:ALLY 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: ALLY has high quality earnings.

Growing Profit Margin: ALLY'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: ALLY's earnings have declined by 8.6% per year over the past 5 years.

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

Earnings vs Industry: ALLY had negative earnings growth (-30.4%) over the past year, making it difficult to compare to the Consumer Finance industry average (-5.8%).

Return on Equity

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

Return on Assets

Return on Capital Employed

Discover strong past performing companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 08:28
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