ALLY FINANCIAL INC (ALLY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ALLY - US02005N1000 - Common Stock
39.38 USD
+0.9 (+2.34%)
We assign a fundamental rating of 3 out of 10 to ALLY. ALLY was compared to 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
In the past year ALLY was profitable.
ALLY had a positive operating cash flow in the past year.
Each year in the past 5 years ALLY has been profitable.
Each year in the past 5 years ALLY had a positive operating cash flow.
1.2 Ratios
ALLY's Return On Assets of 0.14% is on the low side compared to the rest of the industry. ALLY is outperformed by 74.55% of its industry peers.
Looking at the Return On Equity, with a value of 1.82%, ALLY is doing worse than 72.73% of the companies in the same industry.
| 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 69.09% 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.
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.
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.
The Debt to Equity ratio of ALLY (0.91) is better than 61.82% of its industry peers.
| 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.
Looking at the last year, ALLY shows a decrease in Revenue. The Revenue has decreased by -2.70% 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)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.
ALLY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.69% yearly.
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.
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
With a Price/Earnings ratio of 11.25, the valuation of ALLY can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of ALLY is on the same level as its industry peers.
ALLY is valuated cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.16, which indicates a rather cheap valuation of ALLY.
ALLY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ALLY is cheaper than 74.55% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ALLY to the average of the S&P500 Index (34.42), we can say ALLY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 7.16 |
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)0.52
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.
ALLY's Dividend Yield is a higher than the industry average which is at 5.21.
ALLY's Dividend Yield is a higher than the S&P500 average which is at 2.41.
| 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 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
5.3 Sustainability
ALLY pays out 177.09% of its income as dividend. 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.
DP177.09%
EPS Next 2Y32.16%
EPS Next 3Y25.82%
NYSE:ALLY (11/24/2025, 12:40:03 PM)
39.38
+0.9 (+2.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners85.35%
Inst Owner Change0.33%
Ins Owners0.65%
Ins Owner Change-2.49%
Market Cap12.12B
Revenue(TTM)8.72B
Net Income(TTM)275.00M
Analysts78.46
Price Target49.09 (24.66%)
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 | 11.25 | ||
| Fwd PE | 7.16 | ||
| P/S | 1.39 | ||
| P/FCF | N/A | ||
| P/OCF | 3.27 | ||
| P/B | 0.8 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.5
EY8.89%
EPS(NY)5.5
Fwd EY13.97%
FCF(TTM)-1.92
FCFYN/A
OCF(TTM)12.05
OCFY30.6%
SpS28.32
BVpS49.11
TBVpS48.49
PEG (NY)0.52
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 2 / 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.