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Ally Financial Inc. ALLY
Financial Services - Financial - Credit Services - NYSE - US
Watchlist
$ 31.34
-2.43 %
$ 9.63 B
Market Cap
17.41
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ALLY stock under the worst case scenario is HIDDEN Compared to the current market price of 31.3 USD, Ally Financial Inc. is HIDDEN

ALLY Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ALLY stock under the base case scenario is HIDDEN Compared to the current market price of 31.3 USD, Ally Financial Inc. is HIDDEN

ALLY Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ALLY stock under the best case scenario is HIDDEN Compared to the current market price of 31.3 USD, Ally Financial Inc. is HIDDEN

ALLY Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ALLY

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1M -15%
6M -13%
1Y -21%
3Y -23%
5Y 160%
All
$40.0$40.0$39.0$39.0$38.0$38.0$37.0$37.0$36.0$36.0$35.0$35.0$34.0$34.0$33.0$33.0$32.0$32.0$31.0$31.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
8.9 B REVENUE
-1.91%
Growth Rates
1Year -1.91%
3Years 0.86%
5Years 6.88%
7Years 6.14%
10Years 2.99%
669 M OPERATING INCOME
-71.29%
Growth Rates
1Year -71.29%
3Years -40.82%
5Years -7.46%
7Years -10.95%
10Years -7.43%
668 M NET INCOME
-34.51%
Growth Rates
1Year -34.51%
3Years -39.79%
5Years -17.19%
7Years -4.60%
10Years -5.29%
4.53 B OPERATING CASH FLOW
-2.90%
Growth Rates
1Year -2.90%
3Years 3.86%
5Years 2.26%
7Years 1.50%
10Years 2.90%
4.99 B INVESTING CASH FLOW
168.48%
Growth Rates
1Year 168.48%
3Years 34.80%
5Years 27.16%
7Years 14.45%
10Years 13.52%
-5.57 B FINANCING CASH FLOW
-144.99%
Growth Rates
1Year -144.99%
3Years -13.09%
5Years -29.47%
7Years -20.73%
10Years -44.02%
2.24 B REVENUE
-2.35%
Growth Rates
1Year -1.91%
3Years 0.86%
5Years 6.88%
7Years 6.14%
10Years 2.99%
0 OPERATING INCOME
0.00%
Growth Rates
1Year -71.29%
3Years -40.82%
5Years -7.46%
7Years -10.95%
10Years -7.43%
-140 M NET INCOME
-39.22%
Growth Rates
1Year -34.51%
3Years -39.79%
5Years -17.19%
7Years -4.60%
10Years -5.29%
620 M OPERATING CASH FLOW
-20.51%
Growth Rates
1Year -2.90%
3Years 3.86%
5Years 2.26%
7Years 1.50%
10Years 2.90%
1.54 B INVESTING CASH FLOW
20.83%
Growth Rates
1Year 168.48%
3Years 34.80%
5Years 27.16%
7Years 14.45%
10Years 13.52%
-72 M FINANCING CASH FLOW
91.76%
Growth Rates
1Year -144.99%
3Years -13.09%
5Years -29.47%
7Years -20.73%
10Years -44.02%
Balance Sheet Ally Financial Inc.
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Current Assets 32.7 B
Cash & Short-Term Investments 32.7 B
Receivables 1.24 B
Other Current Assets -1.24 B
Non-Current Assets 605 M
Long-Term Investments 0
PP&E 0
Other Non-Current Assets 605 M
98.18 %3.73 %Total Assets$33.3b
Current Liabilities 5.16 B
Accounts Payable 1.4 B
Short-Term Debt 1.62 B
Other Current Liabilities 2.14 B
Non-Current Liabilities 146 B
Long-Term Debt 17.5 B
Other Non-Current Liabilities 129 B
11.54 %85.05 %Total Liabilities$151.6b
EFFICIENCY
Earnings Waterfall Ally Financial Inc.
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Revenue 8.9 B
Cost Of Revenue -5.32 B
Gross Profit 14.2 B
Operating Expenses 8.9 B
Operating Income 669 M
Other Expenses 1 M
Net Income 668 M
16b16b14b14b12b12b10b10b8b8b6b6b4b4b2b2b009b5b14b(9b)669m(1m)668mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
159.85% GROSS MARGIN
159.85%
Averages
1Year 159.85%
3Years 119.95%
5Years 111.97%
7Years 108.55%
10Years 105.99%
7.52% OPERATING MARGIN
7.52%
Averages
1Year 7.52%
3Years 16.60%
5Years 19.22%
7Years 17.38%
10Years 19.84%
7.51% NET MARGIN
7.51%
Averages
1Year 7.51%
3Years 13.44%
5Years 18.62%
7Years 20.20%
10Years 14.94%
4.80% ROE
4.80%
Averages
1Year 4.80%
3Years 8.51%
5Years 10.17%
7Years 10.33%
10Years 7.47%
0.35% ROA
0.35%
Averages
1Year 0.35%
3Years 0.59%
5Years 0.81%
7Years 0.81%
10Years 0.58%
1.80% ROIC
1.80%
Averages
1Year 1.80%
3Years 1.40%
5Years 1.53%
7Years 1.39%
10Years 1.55%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Ally Financial Inc.
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5b5b4b4b3b3b2b2b1b1b00(1b)(1b)(2b)(2b)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 668 M
Depreciation & Amortization 1.2 B
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 60 M
Others 2.63 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 $41.2 , with forecasts ranging from a low of $32 to a high of $51 .
ALLY Lowest Price Target Wall Street Target
32 USD 2.11%
ALLY Average Price Target Wall Street Target
41.2 USD 31.51%
ALLY Highest Price Target Wall Street Target
51 USD 62.73%
Price
Max Price Target
Min Price Target
Average Price Target
525250504848464644444242404038383636343432323030May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
1.08% DIVIDEND YIELD
0.3 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.080.130.170.190.190.30.30.30.30.080.130.170.190.190.30.30.30.080.120.150.170.190.250.30.30.30.080.320.120.500.150.640.170.720.190.760.251.100.31.200.31.200.30.900.0020162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
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
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
7. News
2 No-Brainer Dividend Stocks to Buy With $500 Right Now Dividend stocks are an important piece of any individual investor's portfolio. Not only do they provide passive income, which is an attractive feature, especially for retirees, but they protect your portfolio when the market is volatile. fool.com - 3 weeks ago
Ally Financial schedules release of first quarter 2025 financial results CHARLOTTE, N.C. , March 12, 2025 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) has scheduled the release of its first quarter financial results for Thursday, April 17, 2025, at approximately 7:30 a.m. prnewswire.com - 1 month ago
ALLY to Incur Loss in Q1 on Balance Sheet Repositioning to Boost NII Ally Financial repositions its balance sheet to drive NII and NIM expansion going forward. As such, it will incur a pre-tax loss of $250 million in Q1. zacks.com - 1 month ago
3 No-Brainer Bank Stocks to Buy Right Now for Less Than $500 Bank stocks as a category aren't usually high-growth investment vehicles. When individuals look to buy bank stocks, it's usually with their stability and, perhaps, a dividend in mind. fool.com - 1 month ago
Ally Financial sells $2.8 billion of low-yielding securities to bolster balance sheet Ally Financial said on Tuesday it had sold $2.8 billion of low-yielding investment securities as part of a repositioning the consumer lender expects will help it modestly increase its interest income going forward. reuters.com - 1 month ago
Ally Financial: Buy, Sell, or Hold? Some well-known businesses in the financial services sector have done remarkably well for investors recently. Shares of industry heavyweights Goldman Sachs and JPMorgan Chase , as well as younger fintech providers SoFi Technologies and Robinhood Markets , have surged in the past 12 months. fool.com - 1 month ago
Where Will Ally Stock Be in 5 Years? Ally Financial (ALLY -3.67%) was a major beneficiary of the COVID-19 pandemic. As a consumer bank and automotive loan originator, the company saw tailwinds on both sides of its business. fool.com - 1 month ago
Ally Financial: Planned Credit Card Business Sale Shows Renewed Focus On Core Business Ally Financial is exiting the credit card business to focus on core operations like car loans, aiming to recover from recent struggles. With a low price/book ratio, Ally's Forward P/E of 10.46 suggests potential value, especially with share repurchases on the horizon. The sale of the credit card business is expected to be income-neutral, adding $1 per share to tangible book value without impacting pretax income. seekingalpha.com - 1 month ago
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 month 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 month 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 month 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 - 2 months ago
8. Profile Summary

Ally Financial Inc. ALLY

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 9.63 B
Dividend Yield 1.08%
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 10700
Officers Ms. Kathleen L. Patterson Chief Human Resources Officer Mr. Michael G. Rhodes Chief Executive Officer & Director Ms. Stephanie N. Richard Chief Risk Officer Mr. David J. DeBrunner Vice President, Corporate Controller & Chief Accounting Officer Ms. Hope D. Mehlman Chief Legal & Corporate Affairs Officer Mr. Daniel Soto Chief Compliance 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. Sean Leary Chief Financial Planning & Investor Relations Officer