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ALLY FINANCIAL INC (ALLY) Stock Fundamental Analysis

NYSE:ALLY - New York Stock Exchange, Inc. - US02005N1000 - Common Stock - Currency: USD

40.44  -0.08 (-0.2%)

After market: 40.44 0 (0%)

Fundamental Rating

3

Taking everything into account, ALLY scores 3 out of 10 in our fundamental rating. ALLY was compared to 52 industry peers in the Consumer Finance industry. ALLY has a bad profitability rating. Also its financial health evaluation is rather negative. ALLY has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year ALLY was profitable.
In the past year ALLY had a positive cash flow from operations.
Each year in the past 5 years ALLY has been profitable.
ALLY had a positive operating cash flow in each of the past 5 years.
ALLY Yearly Net Income VS EBIT VS OCF VS FCFALLY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

1.2 Ratios

With a Return On Assets value of 0.09%, ALLY is not doing good in the industry: 71.70% of the companies in the same industry are doing better.
ALLY's Return On Equity of 1.24% is on the low side compared to the rest of the industry. ALLY is outperformed by 71.70% of its industry peers.
Industry RankSector Rank
ROA 0.09%
ROE 1.24%
ROIC N/A
ROA(3y)0.52%
ROA(5y)0.76%
ROE(3y)7.56%
ROE(5y)9.53%
ROIC(3y)N/A
ROIC(5y)N/A
ALLY Yearly ROA, ROE, ROICALLY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 2.07%, ALLY is doing worse than 71.70% of the companies in the same industry.
In the last couple of years the Profit Margin of ALLY has declined.
The Operating Margin and Gross Margin are not available for ALLY so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 2.07%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-43.24%
PM growth 5Y-23.09%
GM growth 3YN/A
GM growth 5YN/A
ALLY Yearly Profit, Operating, Gross MarginsALLY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

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1

2. Health

2.1 Basic Checks

ALLY does not have a ROIC to compare to the WACC, probably because it is not profitable.
ALLY has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, ALLY has less shares outstanding
Compared to 1 year ago, ALLY has an improved debt to assets ratio.
ALLY Yearly Shares OutstandingALLY Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
ALLY Yearly Total Debt VS Total AssetsALLY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.2 Solvency

ALLY has a debt to FCF ratio of 35.55. This is a negative value and a sign of low solvency as ALLY would need 35.55 years to pay back of all of its debts.
ALLY's Debt to FCF ratio of 35.55 is on the low side compared to the rest of the industry. ALLY is outperformed by 64.15% of its industry peers.
ALLY has a Debt/Equity ratio of 1.08. This is a high value indicating a heavy dependency on external financing.
ALLY's Debt to Equity ratio of 1.08 is fine compared to the rest of the industry. ALLY outperforms 60.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 35.55
Altman-Z N/A
ROIC/WACCN/A
WACC24.46%
ALLY Yearly LT Debt VS Equity VS FCFALLY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ALLY Yearly Current Assets VS Current LiabilitesALLY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.93% over the past year.
Measured over the past years, ALLY shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.32% on average per year.
Looking at the last year, ALLY shows a decrease in Revenue. The Revenue has decreased by -4.81% in the last year.
The Revenue has been growing slightly by 3.87% on average over the past years.
EPS 1Y (TTM)21.93%
EPS 3Y-28.45%
EPS 5Y-3.32%
EPS Q2Q%28.89%
Revenue 1Y (TTM)-4.81%
Revenue growth 3Y0.53%
Revenue growth 5Y3.87%
Sales Q2Q%-22.41%

3.2 Future

Based on estimates for the next years, ALLY will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.21% on average per year.
The Revenue is expected to grow by 4.92% on average over the next years.
EPS Next Y12.98%
EPS Next 2Y32.27%
EPS Next 3Y24.08%
EPS Next 5Y14.21%
Revenue Next Year-1.92%
Revenue Next 2Y6.14%
Revenue Next 3Y5.25%
Revenue Next 5Y4.92%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
ALLY Yearly Revenue VS EstimatesALLY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B 10B
ALLY Yearly EPS VS EstimatesALLY Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.33, the valuation of ALLY can be described as correct.
ALLY's Price/Earnings is on the same level as the industry average.
ALLY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
Based on the Price/Forward Earnings ratio of 7.34, the valuation of ALLY can be described as very cheap.
69.81% of the companies in the same industry are more expensive than ALLY, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, ALLY is valued rather cheaply.
Industry RankSector Rank
PE 12.33
Fwd PE 7.34
ALLY Price Earnings VS Forward Price EarningsALLY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ALLY is valued a bit more expensive than the industry average as 62.26% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 22.3
EV/EBITDA N/A
ALLY Per share dataALLY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

ALLY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
ALLY's earnings are expected to grow with 24.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.95
PEG (5Y)N/A
EPS Next 2Y32.27%
EPS Next 3Y24.08%

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5

5. Dividend

5.1 Amount

ALLY has a Yearly Dividend Yield of 2.96%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.53, ALLY pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, ALLY pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.96%

5.2 History

The dividend of ALLY is nicely growing with an annual growth rate of 17.75%!
ALLY has paid a dividend for at least 10 years, which is a reliable track record.
ALLY has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)17.75%
Div Incr Years0
Div Non Decr Years8
ALLY Yearly Dividends per shareALLY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

275.57% of the earnings are spent on dividend by ALLY. This is not a sustainable payout ratio.
The dividend of ALLY is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP275.57%
EPS Next 2Y32.27%
EPS Next 3Y24.08%
ALLY Yearly Income VS Free CF VS DividendALLY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B
ALLY Dividend Payout.ALLY Dividend Payout, showing the Payout Ratio.ALLY Dividend Payout.PayoutRetained Earnings

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ALLY FINANCIAL INC

NYSE:ALLY (7/11/2025, 8:04:00 PM)

After market: 40.44 0 (0%)

40.44

-0.08 (-0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-18 2025-07-18/bmo
Inst Owners85.69%
Inst Owner Change-0.01%
Ins Owners0.68%
Ins Owner Change3.75%
Market Cap12.42B
Analysts75.38
Price Target42.85 (5.96%)
Short Float %4.89%
Short Ratio3.38
Dividend
Industry RankSector Rank
Dividend Yield 2.96%
Yearly Dividend1.59
Dividend Growth(5Y)17.75%
DP275.57%
Div Incr Years0
Div Non Decr Years8
Ex-Date05-01 2025-05-01 (0.3)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)34.08%
Min EPS beat(2)33.79%
Max EPS beat(2)34.38%
EPS beat(4)4
Avg EPS beat(4)48.57%
Min EPS beat(4)33.79%
Max EPS beat(4)76.55%
EPS beat(8)7
Avg EPS beat(8)28.91%
EPS beat(12)8
Avg EPS beat(12)15.59%
EPS beat(16)12
Avg EPS beat(16)15.9%
Revenue beat(2)0
Avg Revenue beat(2)-12.86%
Min Revenue beat(2)-23.98%
Max Revenue beat(2)-1.75%
Revenue beat(4)1
Avg Revenue beat(4)-6.9%
Min Revenue beat(4)-23.98%
Max Revenue beat(4)1.55%
Revenue beat(8)2
Avg Revenue beat(8)-4.4%
Revenue beat(12)6
Avg Revenue beat(12)-0.31%
Revenue beat(16)10
Avg Revenue beat(16)2.19%
PT rev (1m)0.42%
PT rev (3m)-3.38%
EPS NQ rev (1m)-0.14%
EPS NQ rev (3m)-5.55%
EPS NY rev (1m)0.3%
EPS NY rev (3m)-0.83%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)-1.47%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-5.67%
Valuation
Industry RankSector Rank
PE 12.33
Fwd PE 7.34
P/S 1.46
P/FCF 22.3
P/OCF 3.01
P/B 0.87
P/tB 0.88
EV/EBITDA N/A
EPS(TTM)3.28
EY8.11%
EPS(NY)5.51
Fwd EY13.63%
FCF(TTM)1.81
FCFY4.48%
OCF(TTM)13.44
OCFY33.22%
SpS27.7
BVpS46.33
TBVpS45.71
PEG (NY)0.95
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.09%
ROE 1.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.07%
GM N/A
FCFM 6.55%
ROA(3y)0.52%
ROA(5y)0.76%
ROE(3y)7.56%
ROE(5y)9.53%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-43.24%
PM growth 5Y-23.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 35.55
Debt/EBITDA N/A
Cap/Depr 288.37%
Cap/Sales 41.96%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 316.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC24.46%
ROIC/WACCN/A
Cap/Depr(3y)259.87%
Cap/Depr(5y)292.87%
Cap/Sales(3y)35.67%
Cap/Sales(5y)44.53%
Profit Quality(3y)190.98%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)21.93%
EPS 3Y-28.45%
EPS 5Y-3.32%
EPS Q2Q%28.89%
EPS Next Y12.98%
EPS Next 2Y32.27%
EPS Next 3Y24.08%
EPS Next 5Y14.21%
Revenue 1Y (TTM)-4.81%
Revenue growth 3Y0.53%
Revenue growth 5Y3.87%
Sales Q2Q%-22.41%
Revenue Next Year-1.92%
Revenue Next 2Y6.14%
Revenue Next 3Y5.25%
Revenue Next 5Y4.92%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-27.36%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-79.45%
FCF growth 3YN/A
FCF growth 5Y108.66%
OCF growth 1Y-31.65%
OCF growth 3Y3.86%
OCF growth 5Y2.26%