Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ALLY
HoldSinkerAlly Financial Inc. · Financial Services · United States · $12.8B · Avg Vol: $116M/d
COMPANY DESCRIPTION
Ally Financial Inc. is a leading digital financial services company offering auto financing, mortgages, corporate lending, and an online bank for deposits, primarily serving U.S. consumers and auto dealerships. It is a pioneer in digital banking, leveraging a low-cost, branchless model and strong brand recognition in auto finance to attract deposits and originate loans efficiently. Ally transformed from a captive auto finance arm of GM into a diversified digital bank.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 9.2B | 9.1B | 8.9B | 8.8B | -1.7% | 7.9B | 10.0B | 10.7B | 10.3% |
| EPS | 5.06 | 3.00 | 1.82 | 2.39 | -22.1% | 4.25 | 3.29 | 4.03 | 29.9% |
| Shares | 299.3M | 302.5M | 305.2M | 308.5M | +3.1% | 304.2M | — | — | — |
| Debt | 19.8B | 20.2B | 19.2B | 21.3B | 2.5% | 23.1B | — | — | — |
| Equity | 12.9B | 13.7B | 13.9B | 15.5B | 6.4% | — | — | — | — |
| Op CF | 6.2B | 4.6B | 4.5B | 3.7B | -15.8% | 4.6B | — | — | — |
| Inv CF | -17.3B | -7.2B | 5.0B | -5.3B | — | — | — | — | — |
| Fin CF | 11.6B | 3.8B | -5.6B | 2.0B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ALLY are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ALLY | Ally Financial Inc.(you) | $12.8B | 40 | Hold |
| AFRM | Affirm Holdings, Inc. | $26.2B | 41 | Hold |
| SYF | Synchrony Financial | $25.4B | 48 | Hold |
| SLM | SLM Corporation | $5.0B | 43 | Hold |
| OMF | OneMain Holdings, Inc. | $7.2B | 55 | Hold |
| NNI | Nelnet, Inc. | $4.6B | 29 | Sell |
| FCFS | FirstCash Holdings, Inc. | $9.5B | 66 | Buy |
| SOFI | SoFi Technologies, Inc. | $23.3B | 19 | Strong Sell |
| AGM | Federal Agricultural Mortgage Corporation | $2.4B | 40 | Hold |
| ENVA | Enova International, Inc. | $5.8B | 61 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%