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Financial Services - Financial - Credit Services - NYSE - US
$ 36.69
-1.11 %
$ 11.3 B
Market Cap
20.38
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one ALLY stock under the worst case scenario is HIDDEN Compared to the current market price of 36.7 USD, Ally Financial Inc. is HIDDEN

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one ALLY stock under the base case scenario is HIDDEN Compared to the current market price of 36.7 USD, Ally Financial Inc. is HIDDEN

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one ALLY stock under the best case scenario is HIDDEN Compared to the current market price of 36.7 USD, Ally Financial Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS
FINANCIALS
14.2 B REVENUE
56.80%
669 M OPERATING INCOME
-71.29%
668 M NET INCOME
-34.51%
4.53 B OPERATING CASH FLOW
-2.90%
4.99 B INVESTING CASH FLOW
168.48%
0 FINANCING CASH FLOW
0.00%
2.29 B REVENUE
-43.71%
357 M OPERATING INCOME
38.91%
357 M NET INCOME
21.43%
780 M OPERATING CASH FLOW
-39.30%
1.27 B INVESTING CASH FLOW
255.69%
-874 M FINANCING CASH FLOW
11.00%
Balance Sheet Ally Financial Inc.
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Current Assets 32.7 B
Cash & Short-Term Investments 32.7 B
Receivables 0
Other Current Assets 0
Non-Current Assets 0
Long-Term Investments 0
PP&E 0
Other Non-Current Assets 0
Current Liabilities 5.16 B
Accounts Payable 0
Short-Term Debt 1.62 B
Other Current Liabilities 3.54 B
Non-Current Liabilities 146 B
Long-Term Debt 17.5 B
Other Non-Current Liabilities 129 B
EFFICIENCY
Earnings Waterfall Ally Financial Inc.
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Revenue 14.2 B
Cost Of Revenue 0
Gross Profit 14.2 B
Operating Expenses 736 M
Operating Income 669 M
Other Expenses 1 M
Net Income 668 M
RATIOS
100.00% GROSS MARGIN
100.00%
4.70% OPERATING MARGIN
4.70%
4.70% NET MARGIN
4.70%
4.80% ROE
4.80%
0.35% ROA
0.35%
1.84% ROIC
1.84%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Ally Financial Inc.
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Net Income 668 M
Depreciation & Amortization 1.2 B
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 0
Others 3.1 B
Free Cash Flow 4.53 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 $41.4 , with forecasts ranging from a low of $32 to a high of $51 .
ALLY Lowest Price Target Wall Street Target
32 USD -12.78%
ALLY Average Price Target Wall Street Target
41.4 USD 12.71%
ALLY Highest Price Target Wall Street Target
51 USD 39.00%
4. DIVIDEND ANALYSIS
1.09% DIVIDEND YIELD
0.3 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Ally Financial Inc.
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
1.76 M USD 2
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
1 month ago
Jan 27, 2025
Bought 1 M USD
RHODES MICHAEL GEORGE
Chief Executive Officer
+ 25634
39.0925 USD
1 month ago
Jan 24, 2025
Bought 753 K USD
Hutchinson Russell E.
Chief Financial Officer
+ 19100
39.4489 USD
1 year ago
Dec 29, 2023
Sell 131 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 3750
35.0003 USD
1 year ago
Dec 14, 2023
Sell 126 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 3750
33.6 USD
1 year ago
Dec 14, 2023
Sell 128 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 3750
34 USD
1 year 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
3 years ago
Mar 01, 2022
Sell 123 K USD
Schugel Jason E.
director: Chief Risk Officer
- 2500
49.21 USD
3 years ago
Mar 01, 2022
Sell 143 K USD
Timmerman Douglas R.
President, Auto Finance
- 2916
49.21 USD
3 years ago
Feb 01, 2022
Sell 139 K USD
Timmerman Douglas R.
President, Auto Finance
- 2916
47.78 USD
3 years ago
Feb 01, 2022
Sell 197 K USD
Morais Diane E.
President, Ally Bank
- 4125
47.78 USD
3 years ago
Feb 01, 2022
Sell 119 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
47.78 USD
3 years ago
Jan 07, 2022
Sell 68.8 K USD
Stengel Scott A
General Counsel
- 1376
50.0051 USD
3 years ago
Jan 05, 2022
Sell 556 K USD
Stengel Scott A
General Counsel
- 11124
50.0112 USD
3 years ago
Jan 03, 2022
Sell 578 K USD
Brown Jeffrey Jonathan
director: Chief Executive Officer
- 12000
48.2074 USD
3 years ago
Jan 03, 2022
Sell 140 K USD
Timmerman Douglas R.
President, Auto Finance
- 2916
48 USD
3 years ago
Jan 03, 2022
Sell 120 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
48 USD
3 years ago
Jan 03, 2022
Sell 198 K USD
Morais Diane E.
President, Ally Bank
- 4125
48 USD
3 years ago
Dec 01, 2021
Sell 117 K USD
Schugel Jason E.
Chief Risk Officer
- 2500
46.67 USD
3 years ago
Dec 01, 2021
Sell 193 K USD
Morais Diane E.
President, Ally Bank
- 4125
46.67 USD
3 years ago
Dec 01, 2021
Sell 136 K USD
Timmerman Douglas R.
President, Auto Finance
- 2916
46.67 USD
3 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
4 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
5 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
6 years ago
Feb 21, 2019
Sell 2.63 M USD
Brown Jeffrey Jonathan
Chief Executive Officer
- 97311
27.01 USD
6 years ago
Feb 11, 2019
Bought 52.9 K USD
Steib Michael F
Director
+ 2000
26.47 USD
6 years ago
Nov 29, 2018
Sell 659 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 25000
26.35 USD
9 years ago
May 08, 2015
Sell 283 K USD
DEBRUNNER DAVID J
VP, CAO, Controller
- 12500
22.64 USD
10 years ago
Apr 15, 2014
Bought 125 K USD
Yastine Barbara A.
CEO & President, Ally Bank
+ 5000
25 USD
10 years ago
Apr 15, 2014
Bought 250 K USD
Miller Henry S
Director
+ 10000
25 USD
10 years ago
Apr 15, 2014
Bought 25 K USD
Gunn Brian M
Chief Risk Officer
+ 1000
25 USD
7. News
The Best Warren Buffett Stocks to Buy With $1,000 Right Now Just about every investor knows about Warren Buffett. He's the guy who hosts annual meetings for his company, Berkshire Hathaway (BRK.A -0.40%) (BRK.B -0.41%), that draw tens of thousands of people to Omaha, Nebraska, every year. fool.com - 1 week ago
Should You Buy Ally Financial While It's Below $40? Ally Financial (ALLY -0.46%) is having a strong start to 2025, with shares up by 8% for the year as of Feb 19. However, the stock is still trading about 15% below its 52-week high and is more than 30% below its 2021 all-time peak. fool.com - 1 week ago
Ally Financial to present at the RBC Capital Markets Financial Institutions Conference CHARLOTTE, N.C. , Feb. 19, 2025 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) Chief Financial Officer Russ Hutchinson will present at the RBC Capital Markets Financial Institutions Conference on Wednesday, March 5, 2025 at approximately 9:20 a.m. prnewswire.com - 1 week ago
Invest Detroit and Ally Charitable Foundation Announce $1 Million Grant to Support City of Detroit's Strategic Neighborhood Fund Ally Charitable Foundation grant supports SNF's affordable housing and Spark Grant programs citywide SNF was launched in 2016 by the City of Detroit and Invest Detroit to improve quality of life and access to economic opportunity in 10 neighborhoods around the city. DETROIT , Feb. 18, 2025 /PRNewswire/ -- Ally Charitable Foundation today announced a $1 million commitment to Detroit's Strategic Neighborhood Fund (SNF), a partnership between the City of Detroit and Invest Detroit targeting 10 neighborhoods across the city. prnewswire.com - 1 week ago
2 No-Brainer Warren Buffett Stocks to Buy Right Now Berkshire Hathaway (BRK.A -0.33%) (BRK.B -0.19%) has a stock portfolio worth about $300 billion, with many of its positions selected by legendary investor Warren Buffett himself. To be fair, there's a solid long-term investment case to be made for most, if not all, of them. fool.com - 2 weeks ago
Ally Financial Had a Good Quarter, but Is the Credit Card Sale a Positive or a Negative? Ally Financial (ALLY 0.10%) is a bank. But it isn't your typical bank by any stretch of the imagination, given that it is highly focused on the auto lending space. fool.com - 3 weeks ago
Ally Financial: The Tugboat of Auto Finance Keeps Gaining Steam Ally Financial Inc. NYSE: ALLY is a digital financial services company specializing in automobile loans. They were originally the financial arm of General Motors Inc. NYSE: GM. marketbeat.com - 3 weeks ago
Here's My Top Bank Stock to Buy in February Ally Financial (ALLY 2.39%) is one of the top auto lenders in the United States, but there's a lot more to this business. In this video, I discuss why Ally could be an excellent bank stock to buy right now and hold for years to come. fool.com - 1 month ago
3 Stocks to Watch From the Challenging Consumer Loan Industry Concerns related to higher interest rates and poor asset quality are likely to hurt the Zacks Consumer Loans industry. However, digitization of operations and easing lending standards will support COF, ALLY and OMF. zacks.com - 1 month ago
TIME and Ally Financial Name 2025 Dealer of the Year Raymond Farabaugh, president of D-Patrick Inc. in Evansville, Ind. wins 56th annual award that recognizes industry accomplishments and community service at the 108th National Automotive Dealers Association Show NEW ORLEANS , Jan. 27, 2025 /PRNewswire/ -- Raymond Farabaugh, president of D-Patrick Inc. in Evansville, Ind. prnewswire.com - 1 month ago
MoneyShow's Best Investment Ideas For 2025: Part 6 MoneyShow presents top investment ideas for 2025 from their contributors. This year's edition presents a broad mix of theme-based stock picks, momentum-driven high-flyers and beaten-up stocks with turnaround potential, along with some speculative plays and ETFs. Part 6 includes Medpace Holdings, Ally Financial, OneStream, Vertiv Holdings and Peloton Interactive, among others. seekingalpha.com - 1 month ago
Ally Financial: Asset Sale Should Not Outweigh A Mixed Outlook Ally Financial Inc.'s Q4 results alleviated some credit loss concerns, but ongoing elevated delinquencies and uncertain 2025 outlook warrant a cautious “hold” rating. Lower provisions boosted earnings, but credit performance remains “choppy” with delinquencies still elevated, necessitating excess reserves. The sale of Ally's credit card business supports capital but reduces net interest margins; the company has been steadily reducing risk-weighted assets to support capital. seekingalpha.com - 1 month ago
8. Profile Summary

Ally Financial Inc. ALLY

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 11.3 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. David J. DeBrunner Vice President, Corporate Controller & Chief Accounting Officer Mr. Daniel Soto Chief Compliance Officer Ms. Andrea C. Brimmer Chief Marketing & Public Relations Officer Mr. Russell E . Hutchinson Chief Financial Officer Mr. Douglas R. Timmerman President of Dealer Financial Services Mr. Sathish Muthukrishnan Chief Information, Data & Digital Officer Mr. Bradley J. Brown Corporate Treasurer Mr. Michael G. Rhodes Chief Executive Officer & Director Mr. Sean Leary Chief Financial Planning & Investor Relations Officer Ms. Hope D. Mehlman Chief Legal & Corporate Affairs Officer