image
Financial Services - Financial - Credit Services - NYSE - US
$ 36.93
-1.18 %
$ 11.3 B
Market Cap
14.77
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one ALLY stock under the worst case scenario is HIDDEN Compared to the current market price of 36.9 USD, Ally Financial Inc. is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one ALLY stock under the base case scenario is HIDDEN Compared to the current market price of 36.9 USD, Ally Financial Inc. is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one ALLY stock under the best case scenario is HIDDEN Compared to the current market price of 36.9 USD, Ally Financial Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS
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%
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.
image
Current Assets 10.5 B
Cash & Short-Term Investments 31.4 B
Receivables 1.12 B
Other Current Assets -21.9 B
Non-Current Assets 189 B
Long-Term Investments 0
PP&E 10.5 B
Other Non-Current Assets 179 B
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.
image
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.
image
Net Income 1.02 B
Depreciation & Amortization 1.25 B
Capital Expenditures -2.76 B
Stock-Based Compensation 0
Change in Working Capital 34 M
Others 2.07 B
Free Cash Flow 1.9 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Ally Financial Inc.
image
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 -13.35%
ALLY Average Price Target Wall Street Target
41.6 USD 12.59%
ALLY Highest Price Target Wall Street Target
51 USD 38.10%
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
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
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
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
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
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
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
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
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
Carvana amending Ally pact 'pokes at least one hole' in short thesis, says BTIG BTIG reiterated a Buy rating and $295 price target on Carvana (CVNA) after the company amended its Master Purchase and Sale Agreement with Ally Financial (ALLY) last Friday, extending it until January 2, 2026. The firm noted that a major part of a recent short thesis was focused on how Ally may be concerned about the credit quality of Carvana's finance receivables and how large it was as a percentage of Ally's book, with the renewal demonstrably countering those concerns. The analyst added that such recent developments have given the firm incremental confidence in its position, as it has "poked at least one hole" in the short thesis. Carvana +3.435 (+1.94%) Ally Financial +0.89 (+2.48%) https://thefly.com - 1 week ago
Prediction: These 3 Warren Buffett Stocks Will Be the Biggest Winners in 2025 Don't expect Warren Buffett to predict which stocks in Berkshire Hathaway's portfolio will be the biggest winners in 2025. He would be the first to tell you he doesn't know how any given stock will perform over the next 12 months. fool.com - 2 weeks ago
The Best Warren Buffett Stocks to Buy With $1,000 Right Now Berkshire Hathaway (BRK.A -0.99%) (BRK.B -0.95%) owns a stock portfolio worth roughly $300 billion with about four dozen individual stocks in it. Legendary stock-picker Warren Buffett himself hand-selected many of them, especially the larger positions. fool.com - 2 weeks ago
3 Stocks I Couldn't Stop Buying This Year The stock market wasn't as bargain-packed in 2024 as it was in 2022 and 2023, but there were still some interesting opportunities. This was especially true in rate-sensitive sectors such as financials and real estate, and while the megacap stocks outperformed, smaller companies as a whole did not. fool.com - 2 weeks ago
Better Warren Buffett Stock: Ally Financial vs. Bank of America After the banking turmoil of early 2023 that saw several institutions fail, Warren Buffett pared down the bank stocks in Berkshire Hathaway's (BRK.A 0.02%) (BRK.B 0.09%) portfolio. However, two stocks that are still on the list are Bank of America (BAC 0.38%) and Ally Financial (ALLY 0.73%). fool.com - 3 weeks ago
3 No-Brainer Dividend Stocks to Buy With $200 Right Now The S&P 500 dipped last week after the Federal Reserve said it's planning to slow the pace of its interest rate cuts in 2025. However, the index is still up 24% as we head toward the end of the year. fool.com - 3 weeks ago
Warren Buffett's 4 Favorite Dividend Stocks Are Sizzling Picks for 2025 If any investor has stood the test of time, it is Warren Buffett, and with good reason. 247wallst.com - 4 weeks ago
Ally Financial schedules release of fourth quarter and full year 2024 financial results CHARLOTTE, N.C. , Dec. 18, 2024 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) has scheduled the release of its fourth quarter and full year 2024 financial results for Wednesday, January 22, 2025, at approximately 7:30 a.m. prnewswire.com - 1 month ago
Buffett's November DiviDog Pile Had No 'Safer' Buys Berkshire Hathaway's portfolio includes diverse blue chips and lesser-known growth stocks, with 25 dividend-paying stocks analyzed for yield-based investment opportunities. Top Berkshire dividend stocks like Kraft Heinz and Sirius XM meet the dogcatcher ideal, offering dividends from $1K investments exceeding their share prices. Analysts project net gains of 4.31% to 25.75% for top Berkshire stocks by November 2025, with an average estimated gain of 13.83%. seekingalpha.com - 1 month ago
3 High-Yield Dividend Stocks You Can Buy and Hold for a Decade The stock market is near record highs, but there are still some opportunities to be found, especially for income investors. There are some excellent dividend stocks that are trading for significant discounts to their recent highs, and they could have big tailwinds as the falling-rate environment continues. fool.com - 1 month ago
2 Top Dividend Stocks to Buy in December With just a month left to the year, the S&P 500 is up 26% in 2024. Unless there's some major news over the next few weeks, the year will close out with a strong gain. fool.com - 1 month ago
3 Dividend Stocks to Double Up on Right Now It's always a good time to buy dividend stocks, but when the market is volatile, it's even more important. The market doesn't look volatile right now; the S&P 500 is up 25% so far this year and reaching record highs. fool.com - 1 month ago
8. Profile Summary

Ally Financial Inc. ALLY

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