Formerly the captive financial arm of General Motors, Ally Financial became an independent publicly traded firm in 2014 and is one of the largest consumer auto lenders in the country.
It is a $11.4B financial services company. Revenue grew 11.0% over the last year, and it keeps 17¢ of every dollar of sales as profit. It trades at 7.9× earnings — around the middle of its own history.
- Website
- ally.com
- Location
- Detroit, MI
- Employees
- 10 300
- Sector
- Financial Services
- Founded
- 2010
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Growth, Health and Moat lag behind.
Valuation72
- P/E vs own history45th pct · 12/25
- FCF yield39.9% · 25/25
- P/S0.9x · 25/25
- EV/EBITDAn/a · 10/25
Growth20
- Revenue CAGR-0.9% · 0/25
- Net income CAGR-27.4% · 0/25
- EPS CAGR ~5Y-1.1% · 0/25
- Fwd implied growth22.0% · 20/25
Profitability57
- ROIC3.1% · 5/25
- ROE9.4% · 12/25
- Net margin16.8% · 20/25
- Operating margin15.9% · 20/25
Health48
- Altman Z0.03 · 3/25
- Current ration/a · 0/25
- Interest coverageno interest expense · 25/25
- Net cash / debtD/A 6% · 20/25
Quality56
- Piotroski F4/9 · 10/25
- Beneish M-2.67 · 25/25
- FCF conversion52% · 15/25
- Margin stabilityσ 19.2% · 6/25
Moat18
- ROIC >12% years0/7 yrs · 0/25
- Median gross marginn/a · 0/25
- FCF-positive yearsn/a · 0/25
- Worst-year net marginworst 8.2% · 18/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2021FinancialBest year on record$3.06B net income
- 2021AcquisitionAlly acquired Fair Square Financial, a credit card company, for $750 million
- 2019AcquisitionAlly acquired Health Credit Services, which provided financing for healthcare treatments
- FY2016FinancialProfitable every year on record10 consecutive profitable years in our data
- FY2016FinancialRevenue already above $1B$5.44B in first reported year
- FY2016FinancialPositive free cash flow every year since10-year streak
- 2016AcquisitionThe company acquired TradeKing, a stockbrokerage, for $275 million
- 2015MilestoneIt moved its headquarters to One Detroit Center, which was subsequently renamed Ally Detroit Center
- 2014IPOIt became a public company via an initial public offering
- 2010FoundedAlly Financial Inc. (known as GMAC until 2010) is an American bank holding company incorporated in Delaware and…
- 2009AcquisitionCapmark filed for bankruptcy and its North American loan origination and servicing business was acquired by…
- 2009MilestoneGMAC Bank was rebranded as Ally Bank
- 1999AcquisitionGMAC Mortgage acquired Ditech
- 1985AcquisitionWhile GM was under the leadership of Roger Smith, who sought to diversify the company, GMAC formed GMAC…
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Revenue growing 11.0% year over year
- Strong cash conversion — FCF is 52.6% of revenue
Watch-outs
- Altman Z-Score 0.03 — elevated financial-distress risk
- Net debt would take ~20.0 years of free cash flow to repay
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+11.0% YoY
- Profitable — makes more than it spends$1.45B TTM
- Profit growing — earnings are higher than last year-20.3% YoY
- Generates cash — cash left after running and investing$4.57B TTM
- Debt under control — could handle its obligations~2.6y of cash flow to repay
- Established company — not a micro-cap — lower blow-up risk$11.4B market cap
- Not printing shares — share count not ballooning — you keep your slice-16.9% shares over ~5y
- Proven track record — years of profitability behind it10/10 profitable years
- Financially stable — balance sheet not near distressAltman Z 0.0 — distress
- Pays a dividend — returns cash to shareholdersyield 4.29%
- Valuation not extreme — price not wildly above earningsP/E 7.9
Peer comparisonAlly Financial Inc. vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| ALLY this company | $11.4B | 7.9 | +11.0% | 16.8% | Mixed |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: ALLY vs BRK.A · ALLY vs BRK.B · ALLY vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/ALLY
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of ALLY on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $37.59 · market cap $11.4B.