Ally Financial Inc
LSE:0HD0
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Intrinsic Value
The intrinsic value of 
Ally Financial Inc (0HD0) under the Base Case is 66.34 USD per share.
Compared with the current market price of 38.58 USD, the stock appears
Undervalued by 42% .
The intrinsic value is calculated using valuation multiples.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Ally Financial Does
Ally Financial is a digital bank and auto lender. It takes consumer deposits through its online banking business, then uses that funding to make car loans, offer auto refinancing, and provide financing to car dealers. It also sells related products such as insurance and some investing and savings services, mostly to everyday consumers and auto shoppers.
- Headquarters
- United States of America US
- Employees
- 10 300
- IPO date
- Apr 10, 2014
Ally Financial has no economic moat
Dealers can send new car loans to competing lenders, while savers can move money to banks offering better terms, leaving Ally without strong barriers to losing business. Its dealer relationships and online banking service help attract customers, but do not give it lasting control over prices or customer choices.
Read the full moat analysisWhat is the Intrinsic Value of one 0HD0 stock?
The intrinsic value for Ally Financial Inc (0HD0) under the Base Case is 66.34 USD.
Is 0HD0 stock undervalued or overvalued?
Compared with the current market price of 38.58 USD, the stock appears Undervalued by 42% .
