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ALLY FINANCIAL INC (ALLY) Stock Fundamental Analysis

USA - NYSE:ALLY - US02005N1000 - Common Stock

43.3 USD
+0.23 (+0.53%)
Last: 9/16/2025, 8:04:00 PM
43.5031 USD
+0.2 (+0.47%)
After Hours: 9/16/2025, 8:04:00 PM
Fundamental Rating

3

Taking everything into account, ALLY scores 3 out of 10 in our fundamental rating. ALLY was compared to 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of ALLY have multiple concerns. ALLY has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

ALLY had positive earnings in the past year.
In the past year ALLY had a positive cash flow from operations.
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.
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

With a Return On Assets value of 0.12%, ALLY is not doing good in the industry: 68.52% of the companies in the same industry are doing better.
ALLY has a Return On Equity of 1.61%. This is in the lower half of the industry: ALLY underperforms 68.52% 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 has a Profit Margin of 2.71%. 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 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.
ALLY has a better debt/assets ratio than last year.
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

ALLY has a Debt/Equity ratio of 1.11. This is a high value indicating a heavy dependency on external financing.
ALLY has a Debt to Equity ratio (1.11) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.11
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC24.68%
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

The Earnings Per Share has grown by an impressive 22.22% over the past year.
Measured over the past years, ALLY shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.32% on average per year.
ALLY shows a decrease in Revenue. In the last year, the revenue decreased by -2.34%.
The Revenue has been growing slightly by 3.87% on average over the past years.
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

Based on estimates for the next years, ALLY will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.21% on average per year.
ALLY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.92% yearly.
EPS Next Y17.01%
EPS Next 2Y31.77%
EPS Next 3Y25.01%
EPS Next 5Y14.21%
Revenue Next Year-2.31%
Revenue Next 2Y5.72%
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

ALLY is valuated correctly with a Price/Earnings ratio of 13.12.
ALLY's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of ALLY to the average of the S&P500 Index (27.20), we can say ALLY is valued rather cheaply.
ALLY is valuated cheaply with a Price/Forward Earnings ratio of 7.92.
ALLY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ALLY is cheaper than 68.52% 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 22.71.
Industry RankSector Rank
PE 13.12
Fwd PE 7.92
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

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 25.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.77
PEG (5Y)N/A
EPS Next 2Y31.77%
EPS Next 3Y25.01%

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5

5. Dividend

5.1 Amount

ALLY has a Yearly Dividend Yield of 2.85%. 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 4.46.
ALLY's Dividend Yield is comparable with the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 2.85%

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
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 2Y31.77%
EPS Next 3Y25.01%
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 (9/16/2025, 8:04:00 PM)

After market: 43.5031 +0.2 (+0.47%)

43.3

+0.23 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-18 2025-07-18/bmo
Earnings (Next)10-16 2025-10-16/amc
Inst Owners83.94%
Inst Owner Change-1.69%
Ins Owners0.65%
Ins Owner Change0.6%
Market Cap13.33B
Analysts76.92
Price Target47.6 (9.93%)
Short Float %3.66%
Short Ratio3.5
Dividend
Industry RankSector Rank
Dividend Yield 2.85%
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)1.16%
PT rev (3m)11.56%
EPS NQ rev (1m)0.22%
EPS NQ rev (3m)-0.53%
EPS NY rev (1m)3.57%
EPS NY rev (3m)3.87%
Revenue NQ rev (1m)-0.14%
Revenue NQ rev (3m)-0.55%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-0.33%
Valuation
Industry RankSector Rank
PE 13.12
Fwd PE 7.92
P/S 1.54
P/FCF N/A
P/OCF 3.81
P/B 0.92
P/tB 0.93
EV/EBITDA N/A
EPS(TTM)3.3
EY7.62%
EPS(NY)5.47
Fwd EY12.63%
FCF(TTM)-0.82
FCFYN/A
OCF(TTM)11.37
OCFY26.25%
SpS28.03
BVpS47.26
TBVpS46.64
PEG (NY)0.77
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
WACC24.68%
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 Y17.01%
EPS Next 2Y31.77%
EPS Next 3Y25.01%
EPS Next 5Y14.21%
Revenue 1Y (TTM)-2.34%
Revenue growth 3Y0.53%
Revenue growth 5Y3.87%
Sales Q2Q%4.1%
Revenue Next Year-2.31%
Revenue Next 2Y5.72%
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%