(ALLY) Ally Financial - Ratings and Ratios
Automotive Finance, Insurance Products, Corporate Loans, Commercial Banking
ALLY EPS (Earnings per Share)
ALLY Revenue
Description: ALLY Ally Financial July 22, 2025
Ally Financial Inc. is a digital financial-services company operating in the United States, Canada, and Bermuda, offering a range of financial products and services through its Automotive Finance, Insurance, Corporate Finance, and Corporate and Other segments.
The companys core business revolves around automotive financing, providing retail installment sales contracts, loans, and operating leases to consumers and dealerships. Additionally, it offers financing services to companies and municipalities for vehicle purchases or leases, as well as vehicle remarketing services. Ally also provides consumer finance protection and insurance products through dealerships, and commercial insurance products directly to dealers.
From a business diversification perspective, Ally has a presence in the corporate finance space, offering senior secured asset-based and leveraged cash flow loans to middle-market companies, leveraged loans, and commercial real estate financing. It also provides commercial banking products and services, as well as securities brokerage and investment advisory services. Key Performance Indicators (KPIs) to watch include the Net Interest Margin (NIM), which measures the companys ability to generate income from its interest-earning assets, and the delinquency rate, which indicates the percentage of loans that are past due.
To gauge Allys financial health, one can examine its debt-to-equity ratio, which stood at around 1.83 as of the latest available data. The companys Return on Assets (ROA) and Return on Equity (ROE) are also important metrics, with ROE being 2.02 as per the given fundamental data. Other essential KPIs include the Efficiency Ratio, which measures the companys ability to manage its operating expenses relative to its revenue, and the Capital Adequacy Ratio, which assesses the companys capital adequacy in relation to its risk-weighted assets.
From a growth perspective, Allys ability to expand its automotive financing portfolio, increase its insurance business, and grow its corporate finance operations will be crucial. The companys digital transformation efforts, including the enhancement of its online platforms and mobile banking capabilities, are also vital in driving customer engagement and retention. Monitoring the companys progress in these areas, along with its overall financial performance, will be essential in evaluating its future prospects.
ALLY Stock Overview
| Market Cap in USD | 11,835m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2014-01-28 |
ALLY Stock Ratings
| Growth Rating | 50.2% |
| Fundamental | 33.4% |
| Dividend Rating | 72.4% |
| Return 12m vs S&P 500 | 0.39% |
| Analyst Rating | 3.70 of 5 |
ALLY Dividends
| Dividend Yield 12m | 3.67% |
| Yield on Cost 5y | 6.54% |
| Annual Growth 5y | 12.10% |
| Payout Consistency | 99.0% |
| Payout Ratio | 63.2% |
ALLY Growth Ratios
| Growth Correlation 3m | 35% |
| Growth Correlation 12m | 57.5% |
| Growth Correlation 5y | -10.9% |
| CAGR 5y | 17.87% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.49 |
| CAGR/Mean DD 3y (Pain Ratio) | 1.28 |
| Sharpe Ratio 12m | 0.45 |
| Alpha | -0.31 |
| Beta | 1.167 |
| Volatility | 34.35% |
| Current Volume | 1879.6k |
| Average Volume 20d | 3789.6k |
| Stop Loss | 39.2 (-4%) |
| Signal | -0.26 |
Piotroski VR‑10 (Strict, 0-10) 1.0
| Net Income (592.0m TTM) > 0 and > 6% of Revenue (6% = 931.4m TTM) |
| FCFTA -0.00 (>2.0%) and ΔFCFTA -0.50pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -799.0% (prev -824.8%; Δ 25.73pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 3.50b > Net Income 592.0m (YES >=105%, WARN >=100%) |
| Net Debt (9.16b) to EBITDA (1.72b) ratio: 5.33 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.20 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (312.4m) change vs 12m ago 0.82% (target <= -2.0% for YES) |
| Gross Margin 43.77% (prev 41.33%; Δ 2.44pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 8.13% (prev 8.50%; Δ -0.38pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.08 (EBITDA TTM 1.72b / Interest Expense TTM 6.95b) >= 6 (WARN >= 3) |
Altman Z'' -4.16
| (A) -0.65 = (Total Current Assets 30.47b - Total Current Liabilities 154.51b) / Total Assets 189.47b |
| (B) 0.00 = Retained Earnings (Balance) 151.0m / Total Assets 189.47b |
| (C) 0.00 = EBIT TTM 560.0m / Avg Total Assets 191.00b |
| (D) 0.11 = Book Value of Equity 19.17b / Total Liabilities 174.93b |
| Total Rating: -4.16 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 33.42
| 1. Piotroski 1.0pt = -4.0 |
| 2. FCF Yield -11.42% = -5.0 |
| 3. FCF Margin -1.62% = -0.61 |
| 4. Debt/Equity 1.36 = 1.65 |
| 5. Debt/Ebitda 5.33 = -2.50 |
| 6. ROIC - WACC (= -6.47)% = -8.09 |
| 7. RoE 4.12% = 0.34 |
| 8. Rev. Trend 50.63% = 3.80 |
| 9. EPS Trend -43.21% = -2.16 |
What is the price of ALLY shares?
Over the past week, the price has changed by -0.37%, over one month by +2.43%, over three months by +6.02% and over the past year by +20.20%.
Is Ally Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ALLY is around 38.60 USD . This means that ALLY is currently overvalued and has a potential downside of -5.46%.
Is ALLY a buy, sell or hold?
- Strong Buy: 6
- Buy: 6
- Hold: 6
- Sell: 0
- Strong Sell: 2
What are the forecasts/targets for the ALLY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 47.2 | 15.6% |
| Analysts Target Price | 47.2 | 15.6% |
| ValueRay Target Price | 42.8 | 4.9% |
ALLY Fundamental Data Overview October 18, 2025
P/E Trailing = 36.9712
P/E Forward = 7.1174
P/S = 1.7273
P/B = 0.9783
P/EG = 0.4382
Beta = 1.167
Revenue TTM = 15.52b USD
EBIT TTM = 560.0m USD
EBITDA TTM = 1.72b USD
Long Term Debt = 15.88b USD (from longTermDebt, last quarter)
Short Term Debt = 3.86b USD (from shortTermDebt, last quarter)
Debt = 19.73b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 9.16b USD (from netDebt column, last quarter)
Enterprise Value = 2.21b USD (11.84b + Debt 19.73b - CCE 29.36b)
Interest Coverage Ratio = 0.08 (Ebit TTM 560.0m / Interest Expense TTM 6.95b)
FCF Yield = -11.42% (FCF TTM -252.0m / Enterprise Value 2.21b)
FCF Margin = -1.62% (FCF TTM -252.0m / Revenue TTM 15.52b)
Net Margin = 3.81% (Net Income TTM 592.0m / Revenue TTM 15.52b)
Gross Margin = 43.77% ((Revenue TTM 15.52b - Cost of Revenue TTM 8.73b) / Revenue TTM)
Gross Margin QoQ = 48.99% (prev 45.60%)
Tobins Q-Ratio = 0.01 (Enterprise Value 2.21b / Total Assets 189.47b)
Interest Expense / Debt = 8.07% (Interest Expense 1.59b / Debt 19.73b)
Taxrate = 19.27% (84.0m / 436.0m)
NOPAT = 452.1m (EBIT 560.0m * (1 - 19.27%))
Current Ratio = 0.20 (Total Current Assets 30.47b / Total Current Liabilities 154.51b)
Debt / Equity = 1.36 (Debt 19.73b / totalStockholderEquity, last quarter 14.55b)
Debt / EBITDA = 5.33 (Net Debt 9.16b / EBITDA 1.72b)
Debt / FCF = -36.35 (negative FCF - burning cash) (Net Debt 9.16b / FCF TTM -252.0m)
Total Stockholder Equity = 14.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.31% (Net Income 592.0m / Total Assets 189.47b)
RoE = 4.12% (Net Income TTM 592.0m / Total Stockholder Equity 14.35b)
RoCE = 1.85% (EBIT 560.0m / Capital Employed (Equity 14.35b + L.T.Debt 15.88b))
RoIC = 1.47% (NOPAT 452.1m / Invested Capital 30.79b)
WACC = 7.94% (E(11.84b)/V(31.57b) * Re(10.32%) + D(19.73b)/V(31.57b) * Rd(8.07%) * (1-Tc(0.19)))
Discount Rate = 10.32% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.93%
Fair Price DCF = unknown (Cash Flow -252.0m)
EPS Correlation: -43.21 | EPS CAGR: -4.39% | SUE: 0.45 | # QB: 0
Revenue Correlation: 50.63 | Revenue CAGR: 9.67% | SUE: 0.65 | # QB: 0
Additional Sources for ALLY Stock
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