Stock ALLY ALLY FINANCIAL INC.
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Financials Ally Financial Inc.

Equities

ALLY

US02005N1000

Consumer Lending

Market Closed - Nyse
Other stock markets
 04:00:02 2024-04-26 pm EDT 		5-day change 1st Jan Change
39.3 USD +0.41% Intraday chart for Ally Financial Inc. +0.64% +12.54%
Apr. 24 Synchrony's Q1 profit misses expectations on higher provisions tied to Ally deal RE
Apr. 19 BMO Capital Adjusts Ally Financial's Price Target to $37 From $36, Keeps Market Perform Rating MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 11,615 13,332 16,494 7,302 10,533 11,946 - -
Enterprise Value (EV) 1 135,744 13,332 25,455 21,892 24,455 14,268 14,268 14,268
P/E ratio 7.04 x 12.4 x 5.79 x 4.86 x 11.7 x 13.6 x 7.46 x 6.53 x
Yield 2.23% 2.13% 1.85% 4.91% 3.44% 3.1% 3.19% 3.34%
Capitalization / Revenue 1.82 x 1.99 x 2.01 x 0.87 x 1.28 x 1.45 x 1.28 x 1.22 x
EV / Revenue 21.2 x 1.99 x 3.1 x 2.6 x 2.98 x 1.73 x 1.53 x 1.45 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.79 x 0.91 x 1.09 x 0.69 x 0.92 x 0.99 x 0.9 x 0.78 x
Nbr of stocks (in thousands) 380,069 373,857 346,444 298,647 301,630 303,978 - -
Reference price 2 30.56 35.66 47.61 24.45 34.92 39.30 39.30 39.30
Announcement Date 1/22/20 1/22/21 1/21/22 1/20/23 1/19/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 6,394 6,686 8,206 8,428 8,214 8,250 9,322 9,829
EBITDA - - - - - - - -
EBIT 1 2,965 2,903 4,096 3,741 3,051 3,225 4,010 4,035
Operating Margin 46.37% 43.42% 49.91% 44.39% 37.14% 39.09% 43.02% 41.05%
Earnings before Tax (EBT) 1 1,967 1,414 3,855 2,342 1,083 1,207 2,119 2,392
Net income 1 1,715 1,085 3,003 1,604 910 907.1 1,608 1,852
Net margin 26.82% 16.23% 36.6% 19.03% 11.08% 11% 17.25% 18.84%
EPS 2 4.340 2.880 8.220 5.030 2.980 2.883 5.270 6.022
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.6800 0.7600 0.8800 1.200 1.200 1.219 1.254 1.312
Announcement Date 1/22/20 1/22/21 1/21/22 1/20/23 1/19/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 1,985 2,199 2,135 2,076 2,016 2,201 2,100 2,079 1,968 2,067 1,946 2,014 2,086 2,161 2,225
EBITDA - - - - - - - - - - - - - - -
EBIT 983 1,109 1,013 938 855 935 834 830 736 651 - 758.5 845.1 906.5 940.5
Operating Margin 49.52% 50.43% 47.45% 45.18% 42.41% 42.48% 39.71% 39.92% 37.4% 31.49% - 37.66% 40.52% 41.94% 42.27%
Earnings before Tax (EBT) 1 907 899 846 634 417 445 388 403 228 64 151.5 256 355.6 430.6 456
Net income 1 683 624 627 454 272 251 291 301 269 49 96.96 175.7 274.6 336.2 333
Net margin 34.41% 28.38% 29.37% 21.87% 13.49% 11.4% 13.86% 14.48% 13.67% 2.37% 4.98% 8.72% 13.17% 15.56% 14.97%
EPS 2 1.890 1.790 1.860 1.400 0.8800 0.8300 0.9600 0.9900 0.8800 0.1600 0.2733 0.5352 0.8620 1.060 1.082
Dividend per Share 2 0.2500 0.2500 0.3000 0.3000 0.3000 0.3000 0.3000 0.3000 - 0.3000 0.3000 0.3050 0.3050 0.3050 0.3175
Announcement Date 10/21/21 1/21/22 4/14/22 7/19/22 10/19/22 1/20/23 4/19/23 7/19/23 10/18/23 1/19/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 124,129 - 8,961 14,590 13,922 2,322 2,322 2,322
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 12.4% 7.7% 18.5% 11.2% 8.3% 7.31% 11.4% 12%
ROA (Net income/ Total Assets) 1% 0.6% 1.1% 0.9% 0.5% 0.48% 0.79% 0.9%
Assets 1 171,500 180,833 273,000 178,222 182,000 188,204 202,321 205,744
Book Value Per Share 2 38.50 39.20 43.60 35.20 37.80 39.80 43.80 50.20
Cash Flow per Share 10.20 9.920 11.10 - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/22/20 1/22/21 1/21/22 1/20/23 1/19/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Ally Financial Inc.

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
19
Last Close Price
39.3 USD
Average target price
43.05 USD
Spread / Average Target
+9.54%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Consumer Leasing
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