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Financial Services - Financial - Credit Services - NYSE - US
$ 36.22
0 %
$ 11 B
Market Cap
14.49
P/E
1. INTRINSIC VALUE

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. 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. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services.[ Read More ]

The intrinsic value of one ALLY stock under the base case scenario is HIDDEN Compared to the current market price of 36.2 USD, Ally Financial Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart ALLY

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FINANCIALS
9.07 B REVENUE
14.19%
2.33 B OPERATING INCOME
76.78%
1.02 B NET INCOME
-40.49%
4.66 B OPERATING CASH FLOW
-25.36%
-7.29 B INVESTING CASH FLOW
57.78%
3.84 B FINANCING CASH FLOW
-66.83%
2.29 B REVENUE
-43.71%
357 M OPERATING INCOME
38.91%
-488 M NET INCOME
-165.99%
-2.63 B OPERATING CASH FLOW
-204.36%
-2.68 B INVESTING CASH FLOW
-228.52%
4.62 B FINANCING CASH FLOW
570.47%
Balance Sheet Decomposition Ally Financial Inc.
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Current Assets 31.4 B
Cash & Short-Term Investments 31.4 B
Receivables 0
Other Current Assets 0
Non-Current Assets 11.3 B
Long-Term Investments 0
PP&E 10.5 B
Other Non-Current Assets 742 M
Current Liabilities 7.41 B
Accounts Payable 1.37 B
Short-Term Debt 2.55 B
Other Current Liabilities 3.49 B
Non-Current Liabilities 183 B
Long-Term Debt 17.7 B
Other Non-Current Liabilities 165 B
EFFICIENCY
Earnings Waterfall Ally Financial Inc.
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Revenue 9.07 B
Cost Of Revenue 0
Gross Profit 9.07 B
Operating Expenses 9.07 B
Operating Income 2.33 B
Other Expenses 1.31 B
Net Income 1.02 B
RATIOS
100.00% GROSS MARGIN
100.00%
25.69% OPERATING MARGIN
25.69%
11.25% NET MARGIN
11.25%
7.41% ROE
7.41%
0.52% ROA
0.52%
6.49% ROIC
6.49%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Ally Financial Inc.
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Net Income 1.02 B
Depreciation & Amortization 1.25 B
Capital Expenditures -2.76 B
Stock-Based Compensation 127 M
Change in Working Capital 34 M
Others 1.95 B
Free Cash Flow 1.9 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Ally Financial Inc.
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Wall Street analysts predict an average 1-year price target for ALLY of $41.6 , with forecasts ranging from a low of $32 to a high of $51 .
ALLY Lowest Price Target Wall Street Target
32 USD -11.65%
ALLY Average Price Target Wall Street Target
41.6 USD 14.73%
ALLY Highest Price Target Wall Street Target
51 USD 40.81%
4. DIVIDEND ANALYSIS
1.09% DIVIDEND YIELD
0.3 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Ally Financial Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
516 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
10 months ago
Dec 29, 2023
Sell 131 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 3750
35.0003 USD
11 months ago
Dec 14, 2023
Sell 126 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 3750
33.6 USD
11 months ago
Dec 14, 2023
Sell 128 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 3750
34 USD
11 months ago
Dec 15, 2023
Sell 131 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 3750
35 USD
2 years ago
Oct 25, 2022
Bought 54.9 K USD
MAGNER MARJORIE
Director
+ 2000
27.4339 USD
2 years ago
Apr 19, 2022
Sell 112 K USD
Schugel Jason E.
director: Chief Risk Officer
- 2500
45 USD
2 years ago
Mar 01, 2022
Sell 123 K USD
Schugel Jason E.
director: Chief Risk Officer
- 2500
49.21 USD
2 years ago
Mar 01, 2022
Sell 143 K USD
Timmerman Douglas R.
President, Auto Finance
- 2916
49.21 USD
2 years ago
Feb 01, 2022
Sell 139 K USD
Timmerman Douglas R.
President, Auto Finance
- 2916
47.78 USD
2 years ago
Feb 01, 2022
Sell 197 K USD
Morais Diane E.
President, Ally Bank
- 4125
47.78 USD
2 years ago
Feb 01, 2022
Sell 119 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
47.78 USD
2 years ago
Jan 07, 2022
Sell 68.8 K USD
Stengel Scott A
General Counsel
- 1376
50.0051 USD
2 years ago
Jan 05, 2022
Sell 556 K USD
Stengel Scott A
General Counsel
- 11124
50.0112 USD
2 years ago
Jan 03, 2022
Sell 578 K USD
Brown Jeffrey Jonathan
director: Chief Executive Officer
- 12000
48.2074 USD
2 years ago
Jan 03, 2022
Sell 140 K USD
Timmerman Douglas R.
President, Auto Finance
- 2916
48 USD
2 years ago
Jan 03, 2022
Sell 120 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
48 USD
2 years ago
Jan 03, 2022
Sell 198 K USD
Morais Diane E.
President, Ally Bank
- 4125
48 USD
2 years ago
Dec 01, 2021
Sell 117 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
46.67 USD
2 years ago
Dec 01, 2021
Sell 193 K USD
Morais Diane E.
President, Ally Bank
- 4125
46.67 USD
2 years ago
Dec 01, 2021
Sell 136 K USD
Timmerman Douglas R.
President, Auto Finance
- 2916
46.67 USD
2 years ago
Dec 01, 2021
Sell 696 K USD
Brown Jeffrey Jonathan
Chief Executive Officer
- 15000
46.418 USD
3 years ago
Nov 01, 2021
Sell 140 K USD
Timmerman Douglas R.
President, Auto Finance
- 2917
48.1 USD
3 years ago
Nov 01, 2021
Sell 120 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
48.1 USD
3 years ago
Nov 01, 2021
Sell 198 K USD
Morais Diane E.
President, Ally Bank
- 4125
48.1 USD
3 years ago
Oct 15, 2021
Sell 82.5 K USD
LaClair Jennifer A.
Chief Financial Officer
- 1500
55 USD
3 years ago
Oct 01, 2021
Sell 212 K USD
Morais Diane E.
President, Ally Bank
- 4125
51.41 USD
3 years ago
Oct 01, 2021
Sell 129 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
51.41 USD
3 years ago
Oct 01, 2021
Sell 171 K USD
LaClair Jennifer A.
director: Chief Financial Officer
- 3333
51.41 USD
3 years ago
Oct 01, 2021
Sell 150 K USD
Timmerman Douglas R.
President, Auto Finance
- 2917
51.41 USD
3 years ago
Sep 02, 2021
Sell 656 K USD
Stengel Scott A
General Counsel
- 12500
52.4919 USD
3 years ago
Sep 01, 2021
Sell 154 K USD
Timmerman Douglas R.
President, Auto Finance
- 2917
52.82 USD
3 years ago
Sep 01, 2021
Sell 132 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
52.82 USD
3 years ago
Sep 01, 2021
Sell 218 K USD
Morais Diane E.
President, Ally Bank
- 4125
52.82 USD
3 years ago
Sep 01, 2021
Sell 794 K USD
Brown Jeffrey Jonathan
Chief Executive Officer
- 15000
52.9184 USD
3 years ago
Aug 02, 2021
Sell 130 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
51.81 USD
3 years ago
Aug 02, 2021
Sell 214 K USD
Morais Diane E.
President, Ally Bank
- 4125
51.81 USD
3 years ago
Aug 02, 2021
Sell 151 K USD
Timmerman Douglas R.
President, Auto Finance
- 2917
51.81 USD
3 years ago
Jul 01, 2021
Sell 167 K USD
LaClair Jennifer A.
Chief Financial Officer
- 3333
50 USD
3 years ago
Jul 01, 2021
Sell 125 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
50 USD
3 years ago
Jul 01, 2021
Sell 146 K USD
Timmerman Douglas R.
President, Auto Finance
- 2917
50 USD
3 years ago
Jul 01, 2021
Sell 206 K USD
Morais Diane E.
President, Ally Bank
- 4125
50 USD
3 years ago
Jun 01, 2021
Sell 138 K USD
Schugel Jason E.
director: Chief Risk Officer
- 2500
55.3 USD
3 years ago
Jun 01, 2021
Sell 228 K USD
Morais Diane E.
director: President, Ally Bank
- 4125
55.3 USD
3 years ago
Jun 01, 2021
Sell 161 K USD
Timmerman Douglas R.
President, Auto Finance
- 2917
55.3 USD
3 years ago
Jun 01, 2021
Sell 832 K USD
Brown Jeffrey Jonathan
Chief Executive Officer
- 15000
55.4534 USD
3 years ago
May 03, 2021
Sell 152 K USD
Timmerman Douglas R.
President, Auto Finance
- 2917
52.03 USD
3 years ago
May 03, 2021
Sell 215 K USD
Morais Diane E.
President, Ally Bank
- 4126
52.03 USD
3 years ago
May 03, 2021
Sell 130 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
52.03 USD
3 years ago
Apr 26, 2021
Sell 167 K USD
LaClair Jennifer A.
Chief Financial Officer
- 3334
50 USD
3 years ago
Apr 12, 2021
Sell 138 K USD
Timmerman Douglas R.
President, Auto Finance
- 2917
47.38 USD
3 years ago
Apr 05, 2021
Sell 354 K USD
DEBRUNNER DAVID J
director: CAO, Controller
- 7500
47.1864 USD
3 years ago
Apr 05, 2021
Sell 236 K USD
DEBRUNNER DAVID J
director: CAO, Controller
- 5000
47.2411 USD
3 years ago
Apr 05, 2021
Sell 353 K USD
DEBRUNNER DAVID J
director: CAO, Controller
- 7500
47.067 USD
3 years ago
Apr 05, 2021
Sell 353 K USD
DEBRUNNER DAVID J
director: CAO, Controller
- 7500
47.0804 USD
3 years ago
Apr 01, 2021
Sell 114 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
45.61 USD
3 years ago
Apr 01, 2021
Sell 188 K USD
Morais Diane E.
President, Ally Bank
- 4126
45.61 USD
3 years ago
Mar 22, 2021
Sell 112 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
44.76 USD
3 years ago
Mar 16, 2021
Sell 190 K USD
Morais Diane E.
President, Ally Bank
- 4126
46.085 USD
3 years ago
Mar 01, 2021
Sell 646 K USD
Brown Jeffrey Jonathan
Chief Executive Officer
- 15000
43.0868 USD
4 years ago
Nov 16, 2020
Sell 693 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 22500
30.8152 USD
4 years ago
Oct 20, 2020
Sell 377 K USD
Brown Jeffrey Jonathan
Chief Executive Officer
- 13000
29.03 USD
4 years ago
Oct 20, 2020
Sell 125 K USD
Brown Jeffrey Jonathan
Chief Executive Officer
- 4300
29 USD
4 years ago
Apr 24, 2020
Bought 214 K USD
Clark Mayree C
Director
+ 15000
14.25 USD
4 years ago
Mar 13, 2020
Bought 203 K USD
HOBBS FRANKLIN W IV
Director
+ 10000
20.3 USD
4 years ago
Mar 12, 2020
Bought 250 K USD
Breakiron-Evans Maureen
Director
+ 12840
19.44 USD
4 years ago
Dec 02, 2019
Sell 70.4 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 2222
31.7046 USD
5 years ago
Nov 01, 2019
Sell 68.7 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 2222
30.9 USD
5 years ago
Oct 01, 2019
Sell 74.3 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 2222
33.43 USD
5 years ago
Sep 03, 2019
Sell 69.2 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 2222
31.14 USD
5 years ago
Aug 01, 2019
Sell 73.1 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 2222
32.89 USD
5 years ago
Jul 23, 2019
Sell 500 K USD
Morais Diane E.
President, Ally Bank
- 15000
33.35 USD
5 years ago
Jul 01, 2019
Sell 69.6 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 2222
31.32 USD
5 years ago
Jun 03, 2019
Sell 64 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 2222
28.8 USD
5 years ago
May 02, 2019
Bought 149 K USD
Clark Mayree C
Director
+ 5000
29.71 USD
5 years ago
May 01, 2019
Sell 66.2 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 2222
29.8 USD
5 years ago
Apr 01, 2019
Sell 61.6 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 2222
27.73 USD
5 years ago
Feb 21, 2019
Sell 2.63 M USD
Brown Jeffrey Jonathan
Chief Executive Officer
- 97311
27.01 USD
5 years ago
Feb 11, 2019
Bought 52.9 K USD
Steib Michael F
Director
+ 2000
26.47 USD
5 years ago
Nov 29, 2018
Sell 659 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 25000
26.35 USD
7. News
4 Warren Buffett High-Yield Dividend Stocks Are Poised to Go Higher With Trump in Office Key Points Donald Trump's presidential win is being considered the biggest political comeback ever. 247wallst.com - 1 day ago
My 2 Favorite Stocks That Investors Will Be Piling Into Next Year These companies are flying under the radar and have a long runway to grow. fool.com - 1 week ago
ALLY's Post Q3 Earnings Review: Time to Hold or Bet on the Stock? Investors must keep an eye on near-term concerns like NIM contraction and poor asset quality before making any decision regarding Ally Financial stock. zacks.com - 2 weeks ago
Ally Financial: Shares Are Unlikely To Rebound Until Delinquencies Stabilize Ally Financial's recent poor performance is due to rising credit costs, as delinquencies continue to increase. Q3 earnings were inflated by tax benefits, masking underlying issues like higher charge-offs and disappointing interest margins. Credit costs and delinquencies are rising, leading to increased reserves and a cautious outlook that now extends into 2025. seekingalpha.com - 3 weeks ago
Ally Financial to present at the BancAnalysts Association of Boston Conference CHARLOTTE, N.C. , Oct. 23, 2024 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) Chief Financial Officer, Russ Hutchinson, will present at the BancAnalysts Association of Boston Conference on Thursday, November 7, 2024 at approximately 11:15 a.m. prnewswire.com - 3 weeks ago
Here's My Top Bank Stock to Buy Right Now This innovative online bank just reported earnings, and the results show why I like the stock so much. fool.com - 3 weeks ago
New Strong Sell Stocks for October 22nd DDD, FLWS and ALLY have been added to the Zacks Rank #5 (Strong Sell) List on October 22, 2024. zacks.com - 3 weeks ago
Ally Financial Q3 Earnings Beat on Higher Revenues but Stock Dips 2.3% ALLY's third-quarter 2024 results beat estimates driven by higher top line and lower costs. Yet, higher provisions and lower loans and deposits remain woes. zacks.com - 3 weeks ago
Ally Financial Warns of ‘Choppy' Quarters as Auto Income Falls Ally Financial CEO Michael Rhodes says the company's next few quarters will be “choppy.” In a third-quarter earnings presentation Friday (Oct. 18), the auto lender said it had imposed stricter standards for borrowers by instituting tighter verification requirements for proving income and employment. pymnts.com - 4 weeks ago
Ally Financial Inc. (ALLY) Q3 2024 Earnings Call Transcript Ally Financial Inc. (NYSE:ALLY ) Q3 2024 Earnings Conference Call October 18, 2024 9:00 AM ET Company Participants Sean Leary - Head of IR Michael Rhodes - CEO Russ Hutchinson - CFO Conference Call Participants Ryan Nash - Goldman Sachs John Pancari - Evercore ISI Sanjay Sakhrani - KBW Mark DeVries - Deutsche Bank Robert Wildhack - Autonomous Research Jeff Adelson - Morgan Stanley Operator Good day, and thank you for standing by. Welcome to the Ally Financial Third Quarter 2024 Earnings Conference Call. seekingalpha.com - 4 weeks ago
Compared to Estimates, Ally Financial (ALLY) Q3 Earnings: A Look at Key Metrics The headline numbers for Ally Financial (ALLY) give insight into how the company performed in the quarter ended September 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 4 weeks ago
Ally Financial (ALLY) Q3 Earnings and Revenues Beat Estimates Ally Financial (ALLY) came out with quarterly earnings of $0.95 per share, beating the Zacks Consensus Estimate of $0.57 per share. This compares to earnings of $0.83 per share a year ago. zacks.com - 4 weeks ago
8. Profile Summary

Ally Financial Inc. ALLY

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 11 B
Dividend Yield 1.09%
Description Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. 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. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.
Contact Ally Detroit Center, Detroit, MI, 48226 https://www.ally.com
IPO Date Jan. 28, 2014
Employees 11100
Officers Mr. Sathish Muthukrishnan Chief Information, Data & Digital Officer Mr. Daniel Soto Chief Compliance Officer Mr. Sean Leary Head of Investor Relations and Enterprise FP&A Mr. Jason E. Schugel Chief Risk Officer Mr. Bradley J. Brown Corporate Treasurer Mr. Douglas R. Timmerman President of Dealer Financial Services Ms. Isvara M. A. Wilson General Counsel & Deputy General Counsel of Corporate & Securities Mr. David J. DeBrunner Vice President, Corporate Controller & Chief Accounting Officer Mr. Russell E . Hutchinson Chief Financial Officer Mr. Michael G. Rhodes Chief Executive Officer & Director