Ally Financial Inc
NYSE:ALLY

Watchlist Manager
Ally Financial Inc Logo
Ally Financial Inc
NYSE:ALLY
Watchlist
Price: 37.85 USD 1.77% Market Closed
Market Cap: 11.5B USD
Have any thoughts about
Ally Financial Inc?
Write Note

Intrinsic Value

The intrinsic value of one ALLY stock under the Base Case scenario is 67.56 USD. Compared to the current market price of 37.85 USD, Ally Financial Inc is Undervalued by 44%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

ALLY Intrinsic Value
67.56 USD
Undervaluation 44%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Ally Financial Inc

Backtest Intrinsic Value
Dive into the past to invest in the future

Uncover deeper insights with the Valuation Backtest. Learn how current stock valuations stack up against historical averages to gauge true investment potential.

Start backtest now and learn if your stock is truly undervalued or overvalued!

Run Backtest
Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

Backtest Example
Register to View Results
Register to View Results

To access the results of this valuation backtest, please register an account with us. Registration is quick and gives you instant access to insights on 3 stocks per week for free.

Backtest Unavailable

The backtest for ALLY cannot be conducted due to limitations such as insufficient data or other constraints. Please select a different stock or adjust your settings.

Backtest In Progress...
Backtest In Progress...
How do you feel about ALLY?
Bearish
Neutral
Bullish

Fundamental Analysis

Company Quality
No Indicators Selected
Select Indicators

Select up to 3 indicators:

Insider Trading
0-3
Months
0-6
Months
0-12
Months
0-36
Months
No Periods Selected
Select Periods

Select up to 2 periods:

Investment Journal
AI Assistant
AI Assistant
Ask me anything about Ally Financial Inc

Provide an overview of the primary business activities
of Ally Financial Inc.

What unique competitive advantages
does Ally Financial Inc hold over its rivals?

What risks and challenges
does Ally Financial Inc face in the near future?

Has there been any significant insider trading activity
in Ally Financial Inc recently?

Summarize the latest earnings call
of Ally Financial Inc.

What significant events have occurred
in Ally Financial Inc over the past months?

Is it considered overvalued or undervalued
based on the latest financial data?

Show all valuation multiples
for Ally Financial Inc.

Provide P/S
for Ally Financial Inc.

Provide P/E
for Ally Financial Inc.

Provide P/B
for Ally Financial Inc.

Show me price targets
for Ally Financial Inc made by professional analysts.

What are the Revenue projections
for Ally Financial Inc?

How accurate were the past Revenue estimates
for Ally Financial Inc?

What are the Net Income projections
for Ally Financial Inc?

How accurate were the past Net Income estimates
for Ally Financial Inc?

What are the EPS projections
for Ally Financial Inc?

How accurate were the past EPS estimates
for Ally Financial Inc?

What are the EBIT projections
for Ally Financial Inc?

How accurate were the past EBIT estimates
for Ally Financial Inc?

Compare the revenue forecasts
for Ally Financial Inc with those of its competitors based on recent analyst estimates.

Compare the intrinsic valuations
of Ally Financial Inc and its key competitors using the latest financial data.

Compare historical revenue growth rates
of Ally Financial Inc against its competitors.

Analyze the profit margins
(gross, operating, and net) of Ally Financial Inc compared to its peers.

Compare the P/E ratios
of Ally Financial Inc against its peers.

Discuss the investment returns and shareholder value creation
comparing Ally Financial Inc with its peers.

Analyze the financial leverage
of Ally Financial Inc compared to its main competitors.

Show all profitability ratios
for Ally Financial Inc.

Provide ROE
for Ally Financial Inc.

Provide ROA
for Ally Financial Inc.

Provide Net Interest Margin
for Ally Financial Inc.

Provide Net Margin
for Ally Financial Inc.

Show all solvency ratios
for Ally Financial Inc.

Loans/Deposits Ratio
for Ally Financial Inc.

What is the historical Revenue growth
over the last 5 years for Ally Financial Inc?

What is the historical Net Income growth
over the last 5 years for Ally Financial Inc?

What is the current Free Cash Flow
of Ally Financial Inc?

Discuss the annual earnings per share (EPS)
trend over the past five years for Ally Financial Inc.

Business Breakdown

Ally Financial Inc., a prominent player in the automotive finance sector, has transformed its business model from a traditional bank to a digitally-focused financial services provider since its inception as GMAC in 1919. Over the decades, the company pivoted to serve not just the automotive industry but also to expand its offerings into consumer banking, with products ranging from high-yield savings accounts to competitive auto financing solutions. This strategic transition has positioned Ally as a leading online bank, appealing to a tech-savvy clientele seeking convenience and transparency in their financial dealings. With a robust digital platform, the company has leveraged technology to e...

Read More
Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Ally Financial Inc

Net Loans 133.8B
Investments 40.6B
PP&E 8.3B
Other Assets 10.3B
Total Deposits 152B
Short Term Debt 1.8B
Long Term Debt 16.8B
Other Liabilities 7.7B
Earnings Calls

In Q3 2024, Ally Financial faced a dynamic operating environment but maintained a strong outlook. Adjusted EPS reached $0.95, influenced by $179 million in EV tax credits. The company expects net interest margin (NIM) to expand to 4% in the medium term, despite short-term volatility. Retail auto net charge-offs are projected at 2.25-2.3% for the year, reflecting tightened underwriting. Insurance premiums set a record at $384 million, and the company anticipates a 12% growth in adjusted revenues year-over-year. With a disciplined focus on expenses and capital management, Ally is poised for sustainable earnings growth.

What is Earnings Call?

Wall St
Price Targets

ALLY Price Targets Summary
Ally Financial Inc

Wall Street analysts forecast ALLY stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for ALLY is 40.17 USD with a low forecast of 23.43 USD and a high forecast of 57.75 USD.

Lowest
Price Target
23.43 USD
38% Downside
Average
Price Target
40.17 USD
6% Upside
Highest
Price Target
57.75 USD
53% Upside
View Analyst Estimates
View Analyst Estimates
Want to learn more about Wall St estimates for ALLY?

Click here to dive deeper.

Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for ALLY is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
Lowest
Average
Highest
Buyback Yield
Lowest
Average
Highest

Ownership

ALLY Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

ALLY News

Other Videos

Profile

Ally Financial Inc Logo
Ally Financial Inc

Country

United States of America

Industry

Financial Services

Market Cap

11.5B USD

Dividend Yield

3.17%

Description

Ally Financial, Inc. is a holding company, which provides digital financial services to consumers, businesses, automotive dealers, and corporate clients. The company is headquartered in Detroit, Michigan and currently employs 10,500 full-time employees. The company went IPO on 2014-04-10. The firm operates through four segments: Automotive Finance operations, Insurance operations, Mortgage Finance operations, and Corporate Finance operations. Its Automotive Finance operations segment provides United States-based automotive financing services to consumers, automotive dealers, companies, and municipalities. Its Insurance operations segment offers both consumer finance protection and insurance products sold primarily through the automotive dealer channel, and commercial insurance products sold directly to dealers. Its Mortgage Finance operations segment includes its direct-to-consumer Ally Home mortgage offering and bulk purchases of quality jumbo and low-to-moderate income (LMI) mortgage loans originated by third parties. Its Corporate Finance operations segment provides senior secured leveraged cash flow and asset-based loans.

Contact

MICHIGAN
Detroit
500 Woodward Ave Fl 10
+18667104623.0
www.ally.com

IPO

2014-04-10

Employees

10 500

Officers

Chief Financial Officer
Mr. Russell E . Hutchinson
President of Dealer Financial Services
Mr. Douglas R. Timmerman
Chief Risk Officer
Mr. Jason E. Schugel
Corporate Treasurer
Mr. Bradley J. Brown
CEO & Director
Mr. Michael G. Rhodes
VP, Corporate Controller & Chief Accounting Officer
Mr. David J. DeBrunner
Show More
Chief Information, Data & Digital Officer
Mr. Sathish Muthukrishnan
Head of Investor Relations and Enterprise FP&A
Mr. Sean Leary
Chief Compliance Officer
Mr. Daniel Soto
General Counsel & Deputy General Counsel of Corporate & Securities
Ms. Isvara M. A. Wilson
Show Less

See Also

Discover More
What is the Intrinsic Value of one ALLY stock?

The intrinsic value of one ALLY stock under the Base Case scenario is 67.56 USD.

Is ALLY stock undervalued or overvalued?

Compared to the current market price of 37.85 USD, Ally Financial Inc is Undervalued by 44%.

Back to Top