ALLY FINANCIAL INC (ALLY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ALLY - US02005N1000 - Common Stock
43.61 USD
-0.04 (-0.09%)
44.3 USD
+0.69 (+1.58%)
ALLY gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of ALLY have multiple concerns. ALLY is not valued too expensively and it also shows a decent growth rate.
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.
- In the past 5 years ALLY has always been profitable.
- Each year in the past 5 years ALLY had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of ALLY (0.14%) is worse than 77.78% of its industry peers.
- ALLY has a Return On Equity of 1.82%. This is in the lower half of the industry: ALLY underperforms 75.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 1.82% | ||
| 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
1.3 Margins
- ALLY has a Profit Margin of 3.15%. This is in the lower half of the industry: ALLY underperforms 72.22% of its industry peers.
- In the last couple of years the Profit Margin of ALLY has declined.
- ALLY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 3.15% | ||
| 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
2. Health
2.1 Basic Checks
- ALLY does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, ALLY has more shares outstanding
- ALLY has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, ALLY has an improved debt to assets ratio.
2.2 Solvency
- ALLY has a Debt/Equity ratio of 0.91. This is a neutral value indicating ALLY is somewhat dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.91, ALLY is doing good in the industry, outperforming 64.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.91 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.29%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- ALLY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.11%, which is quite impressive.
- The Earnings Per Share has been decreasing by -3.32% on average over the past years.
- The Revenue has decreased by -2.70% in the past year.
- ALLY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.87% yearly.
EPS 1Y (TTM)24.11%
EPS 3Y-28.45%
EPS 5Y-3.32%
EPS Q2Q%21.05%
Revenue 1Y (TTM)-2.7%
Revenue growth 3Y0.53%
Revenue growth 5Y3.87%
Sales Q2Q%3.09%
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 14.05% on average per year.
- The Revenue is expected to grow by 4.69% on average over the next years.
EPS Next Y21.56%
EPS Next 2Y32.01%
EPS Next 3Y26.36%
EPS Next 5Y14.05%
Revenue Next Year-1.86%
Revenue Next 2Y5.71%
Revenue Next 3Y5.49%
Revenue Next 5Y4.69%
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 12.46 indicates a correct valuation of ALLY.
- ALLY's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 27.38. ALLY is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 7.94, which indicates a rather cheap valuation of ALLY.
- Based on the Price/Forward Earnings ratio, ALLY is valued a bit cheaper than 72.22% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. ALLY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.46 | ||
| Fwd PE | 7.94 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The 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 26.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y32.01%
EPS Next 3Y26.36%
5. Dividend
5.1 Amount
- ALLY has a Yearly Dividend Yield of 2.75%. Purely for dividend investing, there may be better candidates out there.
- ALLY's Dividend Yield is a higher than the industry average which is at 2.58.
- ALLY's Dividend Yield is a higher than the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.75% |
5.2 History
- On average, the dividend of ALLY grows each year by 17.75%, which is quite nice.
- ALLY has paid a dividend for at least 10 years, which is a reliable track record.
- As ALLY did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)17.75%
Div Incr Years0
Div Non Decr Years8
5.3 Sustainability
- 177.09% 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.
DP177.09%
EPS Next 2Y32.01%
EPS Next 3Y26.36%
43.61
-0.04 (-0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-17 2025-10-17/bmo
Earnings (Next)01-21 2026-01-21/bmo
Inst Owners84.32%
Inst Owner Change-0.23%
Ins Owners0.64%
Ins Owner Change-3.63%
Market Cap13.43B
Revenue(TTM)8.72B
Net Income(TTM)275.00M
Analysts80
Price Target53.93 (23.66%)
Short Float %3.89%
Short Ratio3.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.75% |
Yearly Dividend1.59
Dividend Growth(5Y)17.75%
DP177.09%
Div Incr Years0
Div Non Decr Years8
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.16%
Min EPS beat(2)11.87%
Max EPS beat(2)20.45%
EPS beat(4)4
Avg EPS beat(4)25.12%
Min EPS beat(4)11.87%
Max EPS beat(4)34.38%
EPS beat(8)7
Avg EPS beat(8)32.42%
EPS beat(12)10
Avg EPS beat(12)21.84%
EPS beat(16)12
Avg EPS beat(16)13.99%
Revenue beat(2)2
Avg Revenue beat(2)0.28%
Min Revenue beat(2)0.24%
Max Revenue beat(2)0.32%
Revenue beat(4)2
Avg Revenue beat(4)-6.29%
Min Revenue beat(4)-23.98%
Max Revenue beat(4)0.32%
Revenue beat(8)4
Avg Revenue beat(8)-3.28%
Revenue beat(12)6
Avg Revenue beat(12)-0.69%
Revenue beat(16)10
Avg Revenue beat(16)1.17%
PT rev (1m)9.87%
PT rev (3m)10.31%
EPS NQ rev (1m)-0.1%
EPS NQ rev (3m)1.34%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)4%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)-0.73%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.46 | ||
| Fwd PE | 7.94 | ||
| P/S | 1.54 | ||
| P/FCF | N/A | ||
| P/OCF | 3.62 | ||
| P/B | 0.89 | ||
| P/tB | 0.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.5
EY8.03%
EPS(NY)5.49
Fwd EY12.59%
FCF(TTM)-1.92
FCFYN/A
OCF(TTM)12.04
OCFY27.61%
SpS28.3
BVpS49.07
TBVpS48.46
PEG (NY)0.58
PEG (5Y)N/A
Graham Number62.17
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 1.82% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 3.15% | ||
| 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.91 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 331.61% | ||
| Cap/Sales | 49.33% | ||
| 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
WACC23.29%
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)24.11%
EPS 3Y-28.45%
EPS 5Y-3.32%
EPS Q2Q%21.05%
EPS Next Y21.56%
EPS Next 2Y32.01%
EPS Next 3Y26.36%
EPS Next 5Y14.05%
Revenue 1Y (TTM)-2.7%
Revenue growth 3Y0.53%
Revenue growth 5Y3.87%
Sales Q2Q%3.09%
Revenue Next Year-1.86%
Revenue Next 2Y5.71%
Revenue Next 3Y5.49%
Revenue Next 5Y4.69%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-47.94%
EBIT Next 3Y-7.11%
EBIT Next 5YN/A
FCF growth 1Y-119.82%
FCF growth 3YN/A
FCF growth 5Y108.66%
OCF growth 1Y-36.63%
OCF growth 3Y3.86%
OCF growth 5Y2.26%
ALLY FINANCIAL INC / ALLY FAQ
What is the fundamental rating for ALLY stock?
ChartMill assigns a fundamental rating of 3 / 10 to ALLY.
What is the valuation status of ALLY FINANCIAL INC (ALLY) stock?
ChartMill assigns a valuation rating of 5 / 10 to ALLY FINANCIAL INC (ALLY). This can be considered as Fairly Valued.
Can you provide the profitability details for ALLY FINANCIAL INC?
ALLY FINANCIAL INC (ALLY) has a profitability rating of 2 / 10.
What is the earnings growth outlook for ALLY FINANCIAL INC?
The Earnings per Share (EPS) of ALLY FINANCIAL INC (ALLY) is expected to grow by 21.56% in the next year.
Is the dividend of ALLY FINANCIAL INC sustainable?
The dividend rating of ALLY FINANCIAL INC (ALLY) is 5 / 10 and the dividend payout ratio is 177.09%.