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Earnings transcript
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ALLY
Ally Financial Inc.
$39.84
0.07
(0.18%)
| Exchange: | NYSE |
| Market Cap: | 12.314B |
| Shares Outstanding: | 164.112M |
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., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers’ vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.
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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)
Current Key Metrics
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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.
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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.
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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?
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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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0.18
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