Ally Financial Inc
NYSE:ALLY
Intrinsic Value
Ally Financial, Inc. is a holding company, which provides digital financial services to consumers, businesses, automotive dealers, and corporate clients. [ Read More ]
The intrinsic value of one ALLY stock under the Base Case scenario is 70.84 USD. Compared to the current market price of 40.59 USD, Ally Financial Inc is Undervalued by 43%.
Valuation Backtest
Ally Financial Inc
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Fundamental Analysis
Ally Financial Outlines Growth and Capital Strategy
2023-Q4 Earnings Call
Ally Financial reported robust revenue growth, with businesses like Insurance, Corporate Finance, and Credit Card nearly doubling in revenue over nine years, and net interest margin (NIM) rising 80 basis points since 2014. While net financing revenue fell due to increased funding costs, adjusted revenue is up with ongoing expansion projected. Key strategic moves included selling $1.7 billion in retail auto loans to support dealers and consumers, and headcount reductions expected to yield an $80 million cost reduction in 2024. The company aims for a 4% NIM, not reliant on Fed rate cuts, and showed solid credit performance with lower-than-expected retail auto net charge-offs.
Balance Sheet Decomposition
Ally Financial Inc
Net Loans | 135.9B |
Investments | 42.5B |
PP&E | 10.5B |
Intangibles | 742m |
Other Assets | 6.8B |
Total Deposits | 154.7B |
Short Term Debt | 3.3B |
Long Term Debt | 13.2B |
Other Liabilities | 11.4B |
Wall St
Price Targets
ALLY Price Targets Summary
Ally Financial Inc
According to Wall Street analysts, the average 1-year price target for ALLY is 40.16 USD with a low forecast of 23.43 USD and a high forecast of 53.55 USD.
Ownership
ALLY Insider Trading
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Shareholder Return
ALLY Price
Ally Financial Inc
Average Annual Return | 6.11% |
Standard Deviation of Annual Returns | 37.79% |
Max Drawdown | -66% |
Market Capitalization | 12.3B USD |
Shares Outstanding | 303 959 008 |
Percentage of Shares Shorted | 4.28% |
ALLY News
Last Important Events
Ally Financial Inc
Significant happenings or occurrences that are of interest to investors. These could be company-specific developments or market-wide shifts.
Sentiment Analysis
Ally Financial Inc
Company Profile
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Description
Ally Financial, Inc. is a holding company, which provides digital financial services to consumers, businesses, automotive dealers, and corporate clients. The company is headquartered in Detroit, Michigan and currently employs 10,500 full-time employees. The company went IPO on 2014-04-10. The firm operates through four segments: Automotive Finance operations, Insurance operations, Mortgage Finance operations, and Corporate Finance operations. Its Automotive Finance operations segment provides United States-based automotive financing services to consumers, automotive dealers, companies, and municipalities. Its Insurance operations segment offers both consumer finance protection and insurance products sold primarily through the automotive dealer channel, and commercial insurance products sold directly to dealers. Its Mortgage Finance operations segment includes its direct-to-consumer Ally Home mortgage offering and bulk purchases of quality jumbo and low-to-moderate income (LMI) mortgage loans originated by third parties. Its Corporate Finance operations segment provides senior secured leveraged cash flow and asset-based loans.
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The intrinsic value of one ALLY stock under the Base Case scenario is 70.84 USD.
Compared to the current market price of 40.59 USD, Ally Financial Inc is Undervalued by 43%.