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Upturn AI SWOT - About
ALLY 
Ally Financial Inc (ALLY)
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Upturn Advisory Summary
04/01/2025: ALLY (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 2.52% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.50B USD | Price to earnings Ratio 20.26 | 1Y Target Price 43.82 |
Price to earnings Ratio 20.26 | 1Y Target Price 43.82 | ||
Volume (30-day avg) 4387605 | Beta 1.38 | 52 Weeks Range 31.44 - 44.43 | Updated Date 04/1/2025 |
52 Weeks Range 31.44 - 44.43 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.29% | Basic EPS (TTM) 1.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.9% | Operating Margin (TTM) 13.44% |
Management Effectiveness
Return on Assets (TTM) 0.35% | Return on Equity (TTM) 4.85% |
Valuation
Trailing PE 20.26 | Forward PE 9.12 | Enterprise Value 22463414272 | Price to Sales(TTM) 1.7 |
Enterprise Value 22463414272 | Price to Sales(TTM) 1.7 | ||
Enterprise Value to Revenue 3.68 | Enterprise Value to EBITDA - | Shares Outstanding 307135008 | Shares Floating 276856311 |
Shares Outstanding 307135008 | Shares Floating 276856311 | ||
Percent Insiders 10.34 | Percent Institutions 81.74 |
Analyst Ratings
Rating 3.67 | Target Price 43.07 | Buy 6 | Strong Buy 5 |
Buy 6 | Strong Buy 5 | ||
Hold 9 | Sell - | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Ally Financial Inc
Company Overview
History and Background
Ally Financial Inc. was founded in 1919 as General Motors Acceptance Corporation (GMAC). It initially provided financing for GM car purchases. In 2006, it became Ally Financial after separating from GM. The company weathered the 2008 financial crisis and has since transformed into a diversified financial services provider.
Core Business Areas
- Auto Finance: Provides automotive financing solutions to consumers and dealers, including retail financing, leasing, and commercial lending.
- Direct Banking: Offers online banking services, including savings accounts, checking accounts, certificates of deposit (CDs), and mortgage loans.
- Corporate Finance: Provides financing solutions to middle-market companies.
- Insurance: Offers a variety of insurance products, primarily related to auto.
Leadership and Structure
Ally Financial Inc. is led by CEO Jeffrey J. Brown. The company has a board of directors and is structured into various business units, each headed by senior executives.
Top Products and Market Share
Key Offerings
- Auto Loans: Provides loans for new and used vehicles. Market share is estimated to be around 7-8% of the US auto loan market. Competitors include Capital One Auto Navigator, Bank of America, and Wells Fargo Auto.
- Online Savings Accounts: Offers high-yield savings accounts with competitive interest rates. Ally Bank is a leader in the online banking space. Competitors include Marcus by Goldman Sachs, Discover Bank, and American Express National Bank.
- Commercial Auto Financing: Provides inventory and floorplan finance for automotive dealers. Competitors include large banks and captive finance arms of automakers.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes and economic cycles. The auto finance sector is impacted by vehicle sales, interest rates, and consumer credit trends. Digital banking is growing rapidly due to increased consumer adoption of online and mobile banking channels.
Positioning
Ally Financial Inc. is positioned as a leading digital bank and auto finance provider. Its competitive advantages include its strong brand recognition, online platform, and expertise in auto financing.
Total Addressable Market (TAM)
The total addressable market for consumer finance and auto finance is estimated to be in the trillions of dollars. Ally Financial is well positioned in this TAM. The digital banking component continues to grow year over year
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Leading online platform
- Expertise in auto financing
- Diversified business model
- Solid capital position
Weaknesses
- Dependence on auto industry performance
- Exposure to credit risk
- Sensitivity to interest rate changes
- Limited branch network
Opportunities
- Expanding digital banking offerings
- Growing market for electric vehicle financing
- Increasing demand for online financial services
- Strategic acquisitions
- Increased rates to generate revenue
Threats
- Economic downturn
- Increased competition
- Regulatory changes
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- COF
- BAC
- WFC
Competitive Landscape
Ally Financial Inc. competes with traditional banks, credit unions, and other financial institutions. Its advantages include its online platform and expertise in auto finance. Disadvantages include limited branch network compared to large national banks.
Major Acquisitions
Fair Square Financial
- Year: 2021
- Acquisition Price (USD millions): 750
- Strategic Rationale: Expanded Ally's credit card offerings and customer base.
Growth Trajectory and Initiatives
Historical Growth: Ally Financial Inc. has experienced growth in its auto finance and direct banking businesses. The company's growth has been driven by strategic initiatives and acquisitions.
Future Projections: Analysts project continued growth for Ally Financial Inc., driven by its digital banking platform and auto finance expertise. Growth projections are subject to market conditions and economic factors.
Recent Initiatives: Recent initiatives include expanding digital banking offerings, investing in technology, and strategic acquisitions.
Summary
Ally Financial Inc. is a strong company with a leading online platform and expertise in auto finance. It faces risks from economic downturns and increased competition but has opportunities to expand its digital banking offerings and capitalize on the growing market for electric vehicle financing. The Company's financial performance depends on its marketshare growth and how they control interest rate and macroeconomic threats. Diversification in Financial Services provides protection in down turns.
Similar Companies
- COF
- DFS
- GS
Sources and Disclaimers
Data Sources:
- Company Filings (10K, 10Q)
- Analyst Reports
- Industry Publications
- Third-party Financial Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is subject to change, and past performance is not indicative of future results. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Ally Financial Inc
Exchange NYSE | Headquaters Detroit, MI, United States | ||
IPO Launch date 2014-01-28 | CEO & Director Mr. Michael G. Rhodes | ||
Sector Financial Services | Industry Credit Services | Full time employees 10700 | Website https://www.ally.com |
Full time employees 10700 | Website https://www.ally.com | ||
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States, Canada, and Bermuda. The company operates through Automotive Finance Operations, Insurance Operations, Corporate Finance Operations, and Corporate and Other segments. It 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 to consumers, automotive dealers and retailers, companies, and municipalities; and financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The company also provides consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers; VSCs, VMCs, and GAP products; and underwrite select commercial insurance coverages, which primarily insure dealers' vehicle inventory. In addition, it provides senior secured asset-based and leveraged cash flow loans to middle-market companies; leveraged loans; commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings; and treasury activities, such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, original issue discount, and equity investments. Further, the company offers commercial banking products and services; and 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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