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Earnings transcript
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ALLY
Ally Financial Inc.
$43.35
0.97
(2.29%)
| Exchange: | NYSE |
| Market Cap: | 13.288B |
| Shares Outstanding: | 164.112M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Michael G. Rhodes | |||||
| Full Time Employees: | 10700 | |||||
| Address: |
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| Website: | https://www.ally.com |
Ally Financial Inc. operates as a digital-first financial services provider, offering a comprehensive suite of products and services to individual consumers, commercial enterprises, and corporate clients. Its primary operational footprint spans the United States and Canada. The company is structured into four main operating segments: 1. Automotive Finance Operations: This segment specializes in vehicle financing solutions. Offerings include retail installment sales contracts, loans, and operating leases for consumers, as well as term loans for dealerships. It also facilitates dealer floorplan financing, other lines of credit for dealers, warehouse lines for automotive retailers, and fleet financing. Furthermore, this division provides funding for companies and municipalities purchasing or leasing vehicles and offers vehicle remarketing services. 2. Insurance Operations: Through this segment, Ally provides consumer finance protection and various insurance products via the automotive dealer channel. It also extends commercial insurance products directly to dealerships. Key offerings include vehicle service and maintenance contracts, guaranteed asset protection (GAP) products, and underwriting for commercial coverages, primarily safeguarding dealers’ vehicle inventory. 3. Mortgage Finance Operations: This division oversees a portfolio of consumer mortgage loans. Its activities encompass the bulk acquisition of jumbo and low-to-moderate income mortgage loans originated by third parties, alongside direct-to-consumer mortgage offerings. 4. Corporate Finance Operations: This segment delivers senior secured leveraged cash flow loans and asset-based lending solutions to middle-market companies. It also provides other leveraged loans and commercial real estate products, particularly catering to firms within the healthcare industry. Beyond its core segments, Ally Financial Inc. also furnishes a variety of commercial banking products and services, alongside securities brokerage and investment advisory services. The company, founded in 1919 and based in Detroit, Michigan, was previously known as GMAC Inc. before officially changing its name to Ally Financial Inc. in May 2010.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 15,967,000 | 16,369,000 | 12,154,000 |
| Gross Profit | 7,102,000 | 6,731,000 | 6,318,000 |
| EBITDA | 2,330,000 | 2,035,000 | 2,448,000 |
| Operating Income | 1,103,000 | 836,000 | 1,051,000 |
| Net Income | 957,000 | 668,000 | 852,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 196,329,000 | 191,836,000 | 196,002,000 |
| Total Liabilities | 182,626,000 | 177,933,000 | 180,504,000 |
| Total Stockholders Equity | 13,703,000 | 13,903,000 | 15,498,000 |
| Total Debt | 20,980,000 | 19,231,000 | 21,765,000 |
| Cash and Cash Equivalents | 6,945,000 | 10,292,000 | 10,030,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 4,557,000 | 4,528,000 | 0 |
| Capital Expenditure | -2,759,000 | -3,460,000 | 0 |
| Free Cash Flow | 1,798,000 | 1,068,000 | 0 |
| Net Income | 957,000 | 668,000 | 852,000 |
| Net Change in Cash | 1,217,000 | 3,941,000 | -11,380,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 9,949,784.462 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 10,019,470.567 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 9,984,627.515 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 2,494,130.274 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 2,511,598.615 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 2,502,864.445 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,741,958.675 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 2,718,609.166 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 2,058,813.020 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 2,335,405.629 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 2,351,762.297 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 2,343,583.963 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 7.270 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 8.650 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 5.540 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 8 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 5 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Revenue Performance: Ally Financial has demonstrated consistent revenue generation as per the latest income statements, reflecting a stable business model within the financial services sector. This is supported by diversified revenue streams across product segments, as indicated in the Revenue Product Segments data.
- Strong Operating Cash Flow: The Cash Flow Statements highlight robust net cash provided by operating activities, indicating efficient management of operational expenses and a healthy liquidity position to support ongoing business needs.
- Market Position in Industry: As part of the financial sector (per Industry and Sector data), Ally benefits from a strong foothold in the consumer finance and banking industry, with a competitive market capitalization and average trading volume (Company Profile data), suggesting investor confidence.
- Dividend Yield: The Key Metrics data shows a notable dividend yield (dividendYieldTTM), providing an attractive return to shareholders and signaling financial stability to sustain dividend payouts.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates ALLY intrinsic value between $31.89 – $50.52 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about ALLY valuation
Is Ally Financial Inc. (ALLY) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Ally Financial Inc. (ALLY) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is ALLY a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ALLY trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is ALLY’s P/E ratio?
You can see ALLY’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for ALLY?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is ALLY a good long-term investment?
Whether ALLY fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
ALLY
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Daily snapshot
2.29
Trading Metrics:
| Open: | 42.87 | Previous Close: | 42.38 | |
| Day Low: | 42.85 | Day High: | 43.9 | |
| Year Low: | 35.9 | Year High: | 47.27 | |
| Price Avg 50: | 42.52 | Price Avg 200: | 41.61 | |
| Volume: | 5.359M | Average Volume: | 3.518M |
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Welcome to MARKETSNAP’s SWOT analysis for Ally Financial! Today, we’re diving deep into this key player in the financial services space, breaking down what makes it tick, where it’s vulnerable, and what the future might hold for long-term investors like you. If you’re looking to build wealth through smart investments, stick with me as we unpack Ally Financial’s strengths, weaknesses, opportunities, and threats. Let’s get started with a quick overview of who they are and what’s been happening with them…
