ALLY FINANCIAL INC (ALLY) Fundamental Analysis & Valuation

NYSE:ALLY • US02005N1000

Current stock price

39.52 USD
+0.3 (+0.76%)
At close:
39.52 USD
0 (0%)
After Hours:

This ALLY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. ALLY Profitability Analysis

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.
  • In the past 5 years ALLY always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B

1.2 Ratios

  • With a Return On Assets value of 0.38%, ALLY is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
  • ALLY has a worse Return On Equity (4.79%) than 75.93% of its industry peers.
Industry RankSector Rank
ROA 0.38%
ROE 4.79%
ROIC N/A
ROA(3y)0.37%
ROA(5y)0.72%
ROE(3y)4.99%
ROE(5y)9.01%
ROIC(3y)N/A
ROIC(5y)N/A
ALLY Yearly ROA, ROE, ROICALLY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 8.38%, ALLY is doing worse than 62.96% of the companies in the same industry.
  • 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) 8.38%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-21.26%
PM growth 5Y-10.25%
GM growth 3YN/A
GM growth 5YN/A
ALLY Yearly Profit, Operating, Gross MarginsALLY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. ALLY Health Analysis

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.
  • ALLY has a better debt/assets ratio than last year.
ALLY Yearly Shares OutstandingALLY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
ALLY Yearly Total Debt VS Total AssetsALLY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

2.2 Solvency

  • A Debt/Equity ratio of 0.97 indicates that ALLY is somewhat dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.97, ALLY is doing good in the industry, outperforming 64.81% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC20.42%
ALLY Yearly LT Debt VS Equity VS FCFALLY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B 30B 40B 50B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. ALLY Growth Analysis

3.1 Past

  • ALLY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.95%, which is quite impressive.
  • ALLY shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.76% yearly.
  • ALLY shows a decrease in Revenue. In the last year, the revenue decreased by -0.74%.
  • ALLY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.27% yearly.
EPS 1Y (TTM)20.95%
EPS 3Y-14%
EPS 5Y4.76%
EPS Q2Q%39.74%
Revenue 1Y (TTM)-0.74%
Revenue growth 3Y-1.78%
Revenue growth 5Y3.27%
Sales Q2Q%4.79%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.39% on average over the next years. This is quite good.
  • ALLY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.39% yearly.
EPS Next Y40.68%
EPS Next 2Y29.95%
EPS Next 3Y24.38%
EPS Next 5Y12.39%
Revenue Next Year12.91%
Revenue Next 2Y9.52%
Revenue Next 3Y7.55%
Revenue Next 5Y6.39%

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8

More info and screens

Find the best growth stocksShow best growing peers

5

4. ALLY Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.37, the valuation of ALLY can be described as very reasonable.
  • ALLY's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 25.50. ALLY is valued rather cheaply when compared to this.
  • ALLY is valuated cheaply with a Price/Forward Earnings ratio of 7.37.
  • ALLY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ALLY is cheaper than 66.67% of the companies 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 22.67.
Industry RankSector Rank
PE 10.37
Fwd PE 7.37
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 50

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.
  • A more expensive valuation may be justified as ALLY's earnings are expected to grow with 24.38% in the coming years.
PEG (NY)0.25
PEG (5Y)2.18
EPS Next 2Y29.95%
EPS Next 3Y24.38%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. ALLY Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.15%, ALLY has a reasonable but not impressive dividend return.
  • ALLY's Dividend Yield is a higher than the industry average which is at 3.32.
  • ALLY's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.15%

5.2 History

  • On average, the dividend of ALLY grows each year by 15.60%, which is quite nice.
  • ALLY has been paying a dividend for at least 10 years, so it has 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)15.6%
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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 65.90% 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.
DP65.9%
EPS Next 2Y29.95%
EPS Next 3Y24.38%
ALLY Yearly Income VS Free CF VS DividendALLY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B 3B
ALLY Dividend Payout.ALLY Dividend Payout, showing the Payout Ratio.ALLY Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

ALLY Fundamentals: All Metrics, Ratios and Statistics

ALLY FINANCIAL INC

NYSE:ALLY (3/24/2026, 8:13:41 PM)

After market: 39.52 0 (0%)

39.52

+0.3 (+0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-21
Earnings (Next)04-17
Inst Owners84.92%
Inst Owner Change1.62%
Ins Owners0.72%
Ins Owner Change1.77%
Market Cap12.22B
Revenue(TTM)8.85B
Net Income(TTM)742.00M
Analysts80
Price Target54.67 (38.34%)
Short Float %4%
Short Ratio2.86
Dividend
Industry RankSector Rank
Dividend Yield 3.15%
Yearly Dividend1.59
Dividend Growth(5Y)15.6%
DP65.9%
Div Incr Years0
Div Non Decr Years8
Ex-Date02-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.71%
Min EPS beat(2)3.56%
Max EPS beat(2)11.87%
EPS beat(4)4
Avg EPS beat(4)17.56%
Min EPS beat(4)3.56%
Max EPS beat(4)34.38%
EPS beat(8)8
Avg EPS beat(8)33.07%
EPS beat(12)10
Avg EPS beat(12)21.62%
EPS beat(16)12
Avg EPS beat(16)14.14%
Revenue beat(2)1
Avg Revenue beat(2)-1.28%
Min Revenue beat(2)-2.88%
Max Revenue beat(2)0.32%
Revenue beat(4)2
Avg Revenue beat(4)-6.57%
Min Revenue beat(4)-23.98%
Max Revenue beat(4)0.32%
Revenue beat(8)3
Avg Revenue beat(8)-3.83%
Revenue beat(12)5
Avg Revenue beat(12)-2.3%
Revenue beat(16)9
Avg Revenue beat(16)0.13%
PT rev (1m)-0.25%
PT rev (3m)7.6%
EPS NQ rev (1m)-0.68%
EPS NQ rev (3m)-9.95%
EPS NY rev (1m)-0.49%
EPS NY rev (3m)-2.14%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-2.63%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-1%
Valuation
Industry RankSector Rank
PE 10.37
Fwd PE 7.37
P/S 1.38
P/FCF N/A
P/OCF 3.28
P/B 0.79
P/tB 0.8
EV/EBITDA N/A
EPS(TTM)3.81
EY9.64%
EPS(NY)5.36
Fwd EY13.56%
FCF(TTM)-1.77
FCFYN/A
OCF(TTM)12.06
OCFY30.53%
SpS28.64
BVpS50.14
TBVpS49.53
PEG (NY)0.25
PEG (5Y)2.18
Graham Number65.56
Profitability
Industry RankSector Rank
ROA 0.38%
ROE 4.79%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 8.38%
GM N/A
FCFM N/A
ROA(3y)0.37%
ROA(5y)0.72%
ROE(3y)4.99%
ROE(5y)9.01%
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-21.26%
PM growth 5Y-10.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 306.01%
Cap/Sales 48.3%
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-Score7
WACC20.42%
ROIC/WACCN/A
Cap/Depr(3y)273.15%
Cap/Depr(5y)298.33%
Cap/Sales(3y)39.17%
Cap/Sales(5y)42.73%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.95%
EPS 3Y-14%
EPS 5Y4.76%
EPS Q2Q%39.74%
EPS Next Y40.68%
EPS Next 2Y29.95%
EPS Next 3Y24.38%
EPS Next 5Y12.39%
Revenue 1Y (TTM)-0.74%
Revenue growth 3Y-1.78%
Revenue growth 5Y3.27%
Sales Q2Q%4.79%
Revenue Next Year12.91%
Revenue Next 2Y9.52%
Revenue Next 3Y7.55%
Revenue Next 5Y6.39%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-23.87%
EBIT Next 3Y-1.66%
EBIT Next 5YN/A
FCF growth 1Y-151.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-17.65%
OCF growth 3Y-15.8%
OCF growth 5Y-0.05%

ALLY FINANCIAL INC / ALLY Fundamental Analysis 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 40.68% in the next year.


Is the dividend of ALLY FINANCIAL INC sustainable?

The dividend rating of ALLY FINANCIAL INC (ALLY) is 6 / 10 and the dividend payout ratio is 65.9%.