Ally Financial Inc
NYSE:ALLY

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Ally Financial Inc Logo
Ally Financial Inc
NYSE:ALLY
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Price: 38.02 USD 0.4% Market Closed
Market Cap: 11.6B USD
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Intrinsic Value

The intrinsic value of one ALLY stock under the Base Case scenario is 67.37 USD. Compared to the current market price of 38.02 USD, Ally Financial Inc is Undervalued by 44%.

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

ALLY Intrinsic Value
67.37 USD
Undervaluation 44%
Intrinsic Value
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Ally Financial Inc

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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.

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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...

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Financials
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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.

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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 39.86 USD with a low forecast of 23.43 USD and a high forecast of 52.5 USD.

Lowest
Price Target
23.43 USD
38% Downside
Average
Price Target
39.86 USD
5% Upside
Highest
Price Target
52.5 USD
38% Upside
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Dividends

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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
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Profile

Ally Financial Inc Logo
Ally Financial Inc

Country

United States of America

Industry

Financial Services

Market Cap

11.6B USD

Dividend Yield

3.16%

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
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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
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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 67.37 USD.

Is ALLY stock undervalued or overvalued?

Compared to the current market price of 38.02 USD, Ally Financial Inc is Undervalued by 44%.

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