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Ally Financial Inc
NYSE:ALLY

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Ally Financial Inc Logo
Ally Financial Inc
NYSE:ALLY
Watchlist
Price: 40.59 USD 1.96%
Updated: Mar 29, 2024

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%.

Key Points:
ALLY Intrinsic Value
Base Case
70.84 USD
Undervaluation 43%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

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Ally Financial Inc

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Fundamental Analysis

Ally Financial Outlines Growth and Capital Strategy
2023-Q4 Earnings Call

Ally Financial Outlines Growth and Capital Strategy

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.

Financials

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
Efficiency

Wall St
Price Targets

ALLY Price Targets Summary
Ally Financial Inc

Wall Street analysts forecast ALLY stock price to drop over the next 12 months.

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.

Lowest
Price Target
23.43 USD
42% Downside
Average
Price Target
40.16 USD
1% Downside
Highest
Price Target
53.55 USD
32% Upside
View Analyst Estimates
View Analyst Estimates

Competitive Landscape

Ownership

ALLY Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

Shareholder Return

ALLY Price
Ally Financial Inc

1M 1M
+10%
6M 6M
+52%
1Y 1Y
+65%
3Y 3Y
-3%
5Y 5Y
+67%
10Y 10Y
+73%
Annual Price Range
40.59
52w Low
22.76
52w High
40.6
Price Metrics
Average Annual Return 6.11%
Standard Deviation of Annual Returns 37.79%
Max Drawdown -66%
Shares Statistics
Market Capitalization 12.3B USD
Shares Outstanding 303 959 008
Percentage of Shares Shorted 4.28%

ALLY Return Decomposition
Main factors of price return

What is price return decomposition?

ALLY News

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Last Important Events
Ally Financial Inc

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Sentiment Analysis
Ally Financial Inc

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Company Profile

Ally Financial Inc Logo
Ally Financial Inc

Country

United States of America

Industry

Financial Services

Market Cap

12.3B USD

Dividend Yield

3.01%

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.

Contact

MICHIGAN
Detroit
500 Woodward Ave Fl 10
+18667104623.0
https://www.ally.com/

IPO

2014-04-10

Employees

10 500

Officers

Interim CEO & President of Dealer Financial Services
Mr. Douglas R. Timmerman
President of Consumer & Commercial Banking Products - Ally Bank
Ms. Diane E. Morais
Corporate Treasurer
Mr. Bradley J. Brown
Chief Financial Officer
Mr. Russell E . Hutchinson
VP, Corporate Controller & Chief Accounting Officer
Mr. David J. DeBrunner
Chief Information, Data & Digital Officer
Mr. Sathish Muthukrishnan
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Head of Investor Relations and Enterprise FP&A
Mr. Sean Leary
Chief Compliance Officer
Mr. Daniel Soto
Acting General Counsel & Deputy General Counsel of Corporate & Securities
Ms. Isvara M. A. Wilson
Chief Marketing & Public Relations Officer
Ms. Andrea C. Brimmer
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See Also

Discover More
What is the Intrinsic Value of one ALLY stock?

The intrinsic value of one ALLY stock under the Base Case scenario is 70.84 USD.

Is ALLY stock undervalued or overvalued?

Compared to the current market price of 40.59 USD, Ally Financial Inc is Undervalued by 43%.