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ALLY FINANCIAL INC (ALLY) Stock Fundamental Analysis

USA - NYSE:ALLY - US02005N1000 - Common Stock

39.92 USD
+0.13 (+0.33%)
Last: 10/7/2025, 8:09:17 PM
39.93 USD
+0.01 (+0.03%)
After Hours: 10/7/2025, 8:09:17 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ALLY. ALLY was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of ALLY have multiple concerns. ALLY has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year ALLY was profitable.
ALLY had a positive operating cash flow in the past year.
ALLY had positive earnings in each of the past 5 years.
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

ALLY's Return On Assets of 0.12% is on the low side compared to the rest of the industry. ALLY is outperformed by 67.27% of its industry peers.
ALLY's Return On Equity of 1.61% is on the low side compared to the rest of the industry. ALLY is outperformed by 67.27% of its industry peers.
Industry RankSector Rank
ROA 0.12%
ROE 1.61%
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

ALLY's Profit Margin of 2.71% is on the low side compared to the rest of the industry. ALLY is outperformed by 70.91% of its industry peers.
ALLY's Profit Margin has declined in the last couple of years.
ALLY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 2.71%
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.
The number of shares outstanding for ALLY has been increased compared to 1 year ago.
ALLY has less shares outstanding than it did 5 years ago.
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

A Debt/Equity ratio of 1.11 is on the high side and indicates that ALLY has dependencies on debt financing.
The Debt to Equity ratio of ALLY (1.11) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.11
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC25.02%
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

ALLY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.22%, which is quite impressive.
ALLY shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.32% yearly.
Looking at the last year, ALLY shows a decrease in Revenue. The Revenue has decreased by -2.34% in the last year.
Measured over the past years, ALLY shows a small growth in Revenue. The Revenue has been growing by 3.87% on average per year.
EPS 1Y (TTM)22.22%
EPS 3Y-28.45%
EPS 5Y-3.32%
EPS Q2Q%2.06%
Revenue 1Y (TTM)-2.34%
Revenue growth 3Y0.53%
Revenue growth 5Y3.87%
Sales Q2Q%4.1%

3.2 Future

ALLY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.21% yearly.
The Revenue is expected to grow by 4.92% on average over the next years.
EPS Next Y16.88%
EPS Next 2Y31.81%
EPS Next 3Y24.84%
EPS Next 5Y14.21%
Revenue Next Year-2.36%
Revenue Next 2Y5.74%
Revenue Next 3Y5%
Revenue Next 5Y4.92%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

A Price/Earnings ratio of 12.10 indicates a correct valuation of ALLY.
Compared to the rest of the industry, the Price/Earnings ratio of ALLY is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.76, ALLY is valued rather cheaply.
The Price/Forward Earnings ratio is 7.29, which indicates a rather cheap valuation of ALLY.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ALLY indicates a somewhat cheap valuation: ALLY is cheaper than 69.09% of the companies listed in the same industry.
ALLY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.21.
Industry RankSector Rank
PE 12.1
Fwd PE 7.29
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ALLY Per share dataALLY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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.
A more expensive valuation may be justified as ALLY's earnings are expected to grow with 24.84% in the coming years.
PEG (NY)0.72
PEG (5Y)N/A
EPS Next 2Y31.81%
EPS Next 3Y24.84%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.09%, ALLY has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.39, ALLY pays a bit more dividend than its industry peers.
ALLY's Dividend Yield is a higher than the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 3.09%

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

207.69% of the earnings are spent on dividend by ALLY. This is not a sustainable payout ratio.
ALLY's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP207.69%
EPS Next 2Y31.81%
EPS Next 3Y24.84%
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 (10/7/2025, 8:09:17 PM)

After market: 39.93 +0.01 (+0.03%)

39.92

+0.13 (+0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-18 2025-07-18/bmo
Earnings (Next)10-17 2025-10-17/amc
Inst Owners85.35%
Inst Owner Change0%
Ins Owners0.65%
Ins Owner Change0.6%
Market Cap12.29B
Analysts77.69
Price Target48.89 (22.47%)
Short Float %3.59%
Short Ratio3.2
Dividend
Industry RankSector Rank
Dividend Yield 3.09%
Yearly Dividend1.59
Dividend Growth(5Y)17.75%
DP207.69%
Div Incr Years0
Div Non Decr Years8
Ex-Date08-01 2025-08-01 (0.3)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)27.41%
Min EPS beat(2)20.45%
Max EPS beat(2)34.38%
EPS beat(4)4
Avg EPS beat(4)41.29%
Min EPS beat(4)20.45%
Max EPS beat(4)76.55%
EPS beat(8)7
Avg EPS beat(8)31.19%
EPS beat(12)9
Avg EPS beat(12)17.9%
EPS beat(16)12
Avg EPS beat(16)13.79%
Revenue beat(2)1
Avg Revenue beat(2)-11.87%
Min Revenue beat(2)-23.98%
Max Revenue beat(2)0.24%
Revenue beat(4)2
Avg Revenue beat(4)-5.98%
Min Revenue beat(4)-23.98%
Max Revenue beat(4)1.55%
Revenue beat(8)3
Avg Revenue beat(8)-4.06%
Revenue beat(12)6
Avg Revenue beat(12)-0.51%
Revenue beat(16)10
Avg Revenue beat(16)1.35%
PT rev (1m)3.9%
PT rev (3m)14.1%
EPS NQ rev (1m)0.05%
EPS NQ rev (3m)-0.1%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)3.77%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)-0.6%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.36%
Valuation
Industry RankSector Rank
PE 12.1
Fwd PE 7.29
P/S 1.42
P/FCF N/A
P/OCF 3.51
P/B 0.84
P/tB 0.86
EV/EBITDA N/A
EPS(TTM)3.3
EY8.27%
EPS(NY)5.47
Fwd EY13.71%
FCF(TTM)-0.82
FCFYN/A
OCF(TTM)11.37
OCFY28.48%
SpS28.03
BVpS47.26
TBVpS46.64
PEG (NY)0.72
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.12%
ROE 1.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.71%
GM N/A
FCFM 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
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-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.11
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 294.66%
Cap/Sales 43.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC25.02%
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)22.22%
EPS 3Y-28.45%
EPS 5Y-3.32%
EPS Q2Q%2.06%
EPS Next Y16.88%
EPS Next 2Y31.81%
EPS Next 3Y24.84%
EPS Next 5Y14.21%
Revenue 1Y (TTM)-2.34%
Revenue growth 3Y0.53%
Revenue growth 5Y3.87%
Sales Q2Q%4.1%
Revenue Next Year-2.36%
Revenue Next 2Y5.74%
Revenue Next 3Y5%
Revenue Next 5Y4.92%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-49.17%
EBIT Next 3Y-7.12%
EBIT Next 5YN/A
FCF growth 1Y-109.84%
FCF growth 3YN/A
FCF growth 5Y108.66%
OCF growth 1Y-39.62%
OCF growth 3Y3.86%
OCF growth 5Y2.26%