ALLY FINANCIAL INC (ALLY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ALLY - US02005N1000 - Common Stock
38.48 USD
+0.91 (+2.42%)
38.48 USD
0 (0%)
Overall ALLY gets a fundamental rating of 3 out of 10. We evaluated ALLY against 55 industry peers in the Consumer Finance industry. ALLY has a bad profitability rating. Also its financial health evaluation is rather negative. ALLY is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
ALLY had positive earnings in the past year.
ALLY had a positive operating cash flow in the past year.
ALLY had positive earnings in each of the past 5 years.
In the past 5 years ALLY always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.14%, ALLY is doing worse than 74.55% of the companies in the same industry.
The Return On Equity of ALLY (1.82%) is worse than 72.73% 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
With a Profit Margin value of 3.15%, ALLY is not doing good in the industry: 69.09% of the companies in the same industry are doing better.
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.
ALLY has more shares outstanding than it did 1 year ago.
The number of shares outstanding for ALLY has been reduced compared to 5 years ago.
ALLY has a better debt/assets ratio than last year.
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 61.82% 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
WACC25.11%
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.
ALLY shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.32% yearly.
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
ALLY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.05% yearly.
The Revenue is expected to grow by 4.69% on average over the next years.
EPS Next Y21.65%
EPS Next 2Y32.16%
EPS Next 3Y25.82%
EPS Next 5Y14.05%
Revenue Next Year-1.84%
Revenue Next 2Y5.83%
Revenue Next 3Y5.41%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.99, which indicates a very decent valuation of ALLY.
The rest of the industry has a similar Price/Earnings ratio as ALLY.
ALLY is valuated cheaply when we compare the Price/Earnings ratio to 25.45, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.99, the valuation of ALLY can be described as very cheap.
Based on the Price/Forward Earnings ratio, ALLY is valued a bit cheaper than the industry average as 74.55% of the companies are valued more expensively.
ALLY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 6.99 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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 25.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)N/A
EPS Next 2Y32.16%
EPS Next 3Y25.82%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.19%, ALLY has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.07, ALLY pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.42, ALLY pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
5.2 History
The dividend of ALLY is nicely growing with an annual growth rate of 17.75%!
ALLY has been paying a dividend for at least 10 years, so it has 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
5.3 Sustainability
ALLY pays out 177.09% of its income as dividend. 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 2Y32.16%
EPS Next 3Y25.82%
38.48
+0.91 (+2.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners85.35%
Inst Owner Change-89.01%
Ins Owners0.65%
Ins Owner Change-2.49%
Market Cap11.85B
Revenue(TTM)8.72B
Net Income(TTM)275.00M
Analysts78.46
Price Target49.09 (27.57%)
Short Float %4.09%
Short Ratio3.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
Yearly Dividend1.59
Dividend Growth(5Y)17.75%
DP177.09%
Div Incr Years0
Div Non Decr Years8
Ex-Date
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)-3.25%
Revenue beat(12)6
Avg Revenue beat(12)-0.67%
Revenue beat(16)10
Avg Revenue beat(16)1.19%
PT rev (1m)0.4%
PT rev (3m)4.32%
EPS NQ rev (1m)1.17%
EPS NQ rev (3m)0.61%
EPS NY rev (1m)0.73%
EPS NY rev (3m)3.96%
Revenue NQ rev (1m)-0.46%
Revenue NQ rev (3m)-0.68%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)0.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 6.99 | ||
| P/S | 1.36 | ||
| P/FCF | N/A | ||
| P/OCF | 3.19 | ||
| P/B | 0.78 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.5
EY9.1%
EPS(NY)5.5
Fwd EY14.3%
FCF(TTM)-1.92
FCFYN/A
OCF(TTM)12.05
OCFY31.31%
SpS28.32
BVpS49.11
TBVpS48.49
PEG (NY)0.51
PEG (5Y)N/A
Graham Number62.19
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
WACC25.11%
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 Y21.65%
EPS Next 2Y32.16%
EPS Next 3Y25.82%
EPS Next 5Y14.05%
Revenue 1Y (TTM)-2.7%
Revenue growth 3Y0.53%
Revenue growth 5Y3.87%
Sales Q2Q%3.09%
Revenue Next Year-1.84%
Revenue Next 2Y5.83%
Revenue Next 3Y5.41%
Revenue Next 5Y4.69%
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-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 for 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.
Can you provide the financial health for ALLY stock?
The financial health rating of ALLY FINANCIAL INC (ALLY) is 1 / 10.
Can you provide the expected EPS growth for ALLY stock?
The Earnings per Share (EPS) of ALLY FINANCIAL INC (ALLY) is expected to grow by 21.65% in the next year.