Ally Financial Stock Today

ALLY Stock  USD 36.59  0.64  1.72%   

Performance

8 of 100

 
Weak
 
Strong
OK

Odds Of Distress

Less than 4

 
High
 
Low
Very Low
Ally Financial is trading at 36.59 as of the 16th of April 2024; that is -1.72% down since the beginning of the trading day. The stock's open price was 37.23. Ally Financial has only four percent chance of going through some form of financial distress over the next 2 years but had a somewhat ok performance during the last 90 days. Equity ratings for Ally Financial are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 27th of April 2022 and ending today, the 16th of April 2024. Click here to learn more.
Business Domain
Financial Services
IPO Date
28th of January 2014
Classification
Financials
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. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan. The company has 303.96 M outstanding shares of which 9.22 M shares are presently shorted by private and institutional investors with about 2.47 trading days to cover. More on Ally Financial

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Ally Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. Ally Financial's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding Ally Financial or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary, Ally Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Ally Financial's managers, analysts, and investors.
Environment Score
Governance Score
Social Score
CEOJeffrey Brown
Thematic IdeaWarren Buffett Holdings (View all Themes)
Business ConcentrationConsumer Finance, Financial Services, NYSE Composite, SP Midcap 400, Warren Buffett Holdings, Financials, Consumer Finance, Credit Services, Financial Services (View all Sectors)
Average Analyst Recommendation
Analysts covering Ally Financial report their recommendations after researching Ally Financial's financial statements, talking to executives and customers, or listening in on Ally Financial's conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering Ally Financial. The Ally consensus assessment is calculated by taking the average forecast from all of the analysts covering Ally Financial.
Financial Strength
Based on the analysis of Ally Financial's profitability, liquidity, and operating efficiency, Ally Financial is doing better financially then in previous quarter. It has a moderate chance of reporting better financial numbers in May. Financial strength of Ally Financial is based on its profitability, leverage, liquidity, source of funds, and operating efficiency.
Current ValueLast YearChange From Last Year 10 Year Trend
Asset Turnover0.05710.0462
Fairly Up
Pretty Stable
Gross Profit Margin0.370.56
Way Down
Slightly volatile
Net Debt12.6 B13.3 B
Notably Down
Slightly volatile
Total Current Liabilities6.4 B6.8 B
Notably Down
Slightly volatile
Non Current Liabilities Total81.2 B147.9 B
Way Down
Pretty Stable
Total Assets160.3 B196.4 B
Significantly Down
Slightly volatile
Total Current Assets54 B31.4 B
Way Up
Pretty Stable
Total Cash From Operating Activities3.8 B4.7 B
Significantly Down
Very volatile
Ally Financial's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to Ally Financial's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Ally Financial's bond ratings measure its overall creditworthiness, which in many ways corresponds to the cost of borrowing for an issuer. These ratings assign a letter grade to all of Ally Financial's outstanding corporate bonds that indicate their credit quality. We use reports published by private self-sufficient rating services such as Standard & Poor's or Fitch Ratings Inc. to evaluate a bond issuer's financial strength or its ability to pay a bond's principal and interest.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Ally Financial's financial leverage. It provides some insight into what part of Ally Financial's total assets is financed by creditors.
By using current balance sheet information, investors can analyze the liability, assets, and equity on Ally Financial's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how Ally Financial deploys its capital and how much of that capital is borrowed.
Liquidity
Ally Financial cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company currently holds 20.23 B in liabilities with Debt to Equity (D/E) ratio of 275.8, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Ally Financial has a current ratio of 0.83, indicating that it has a negative working capital and may not be able to pay financial obligations when due. Debt can assist Ally Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Ally Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Ally Financial sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Ally to invest in growth at high rates of return. When we think about Ally Financial's use of debt, we should always consider it together with cash and equity.

Net Income

744.95 Million
Ally Financial (ALLY) is traded on New York Stock Exchange in USA. It is located in Ally Detroit Center, Detroit, MI, United States, 48226 and employs 11,100 people. Ally Financial is listed under Consumer Finance category by Fama And French industry classification. The company currently falls under 'Large-Cap' category with a current market capitalization of 11.32 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Ally Financial's market, we take the total number of its shares issued and multiply it by Ally Financial's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. Ally Financial conducts business under Consumer Finance sector and is part of Financials industry. The entity has 303.96 M outstanding shares of which 9.22 M shares are presently shorted by private and institutional investors with about 2.47 trading days to cover. Ally Financial currently holds about 5 B in cash with 4.66 B of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 16.76.
Check Ally Financial Probability Of Bankruptcy
Ownership Allocation
Ally Financial holds a total of 303.96 Million outstanding shares. The majority of Ally Financial outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to acquire positions in Ally Financial to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Ally Financial. Please pay attention to any change in the institutional holdings of Ally Financial as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.
Check Ally Ownership Details

Ally Stock Price Odds Analysis

Based on a normal probability distribution, the odds of Ally Financial jumping above the current price in 90 days from now is about 57.29%. The Ally Financial probability density function shows the probability of Ally Financial stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days the stock has a beta coefficient of 1.9659. This suggests as the benchmark fluctuates upward, the company is expected to outperform it on average. However, if the benchmark returns are projected to be negative, Ally Financial will likely underperform. Additionally, ally Financial has an alpha of 0.0339, implying that it can generate a 0.0339 percent excess return over NYSE Composite after adjusting for the inherited market risk (beta).
  Odds Below 36.59HorizonTargetOdds Above 36.59
42.47%90 days
 36.59 
57.29%
Based on a normal probability distribution, the odds of Ally Financial to move above the current price in 90 days from now is about 57.29 (This Ally Financial probability density function shows the probability of Ally Stock to fall within a particular range of prices over 90 days) .

Ally Stock Institutional Holders

Institutional Holdings refers to the ownership stake in Ally Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Ally Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Ally Financial's value.
InstituionRecorded OnShares
Sessa Capital Im Lp2023-09-30
3.9 M
Bank Of New York Mellon Corp2023-12-31
3.7 M
Fmr Inc2023-12-31
3.7 M
Moore Capital Management, Lp2023-12-31
3.6 M
First Manhattan Co. Llc2023-12-31
3.6 M
Punch Card Management, L.p.2023-12-31
M
Northern Trust Corp2023-12-31
2.9 M
Lsv Asset Management2023-12-31
2.9 M
Donald Smith & Co Inc2023-12-31
2.8 M
Berkshire Hathaway Inc2023-09-30
29 M
Blackrock Inc2023-12-31
28.5 M
View Ally Financial Diagnostics

Ally Financial Historical Income Statement

Ally Financial Income Statement is one of the three primary financial statements used for reporting Ally's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of Ally Financial revenue and expense. Ally Financial Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At this time, Ally Financial's Selling General Administrative is fairly stable compared to the past year. Other Operating Expenses is likely to rise to about 15.6 B in 2024, whereas Depreciation And Amortization is likely to drop slightly above 1.2 B in 2024. View More Fundamentals

Ally Stock Against Markets

Picking the right benchmark for Ally Financial stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in Ally Financial stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for Ally Financial is critical whether you are bullish or bearish towards Ally Financial at a given time. Please also check how Ally Financial's historical prices are related to one of the top price index indicators.

Be your own money manager

Our tools can tell you how much better you can do entering a position in Ally Financial without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Ally Financial Corporate Directors

Ally Financial corporate directors refer to members of an Ally Financial board of directors. The board of directors generally takes responsibility for the Ally Financial's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of Ally Financial's board members must vote for the resolution. The Ally Financial board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Robert BlakelyIndependent DirectorProfile
John StackIndependent DirectorProfile
Kenneth BaconIndependent DirectorProfile
Katryn BlakeIndependent DirectorProfile

How to buy Ally Stock?

Before investing in Ally Financial, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in Ally Financial. To buy Ally Financial stock, you can follow these steps:
  • Choose a brokerage firm: You need to select a brokerage firm to buy shares of Ally Financial. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
  • Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
  • Fund your account: You will need to deposit funds into your brokerage account to purchase Ally Financial stock. You can do this by transferring funds from your bank account or other investment accounts.
  • Place your order: Once you have located Ally Financial stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
  • Monitor your investment: After you have purchased Ally Financial stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as Ally Financial, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy Ally Stock please use our How to Invest in Ally Financial guide.

Already Invested in Ally Financial?

The danger of trading Ally Financial is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Ally Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Ally Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Ally Financial is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether Ally Financial offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Ally Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Ally Financial Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Ally Financial Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Ally Financial. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis.
For more information on how to buy Ally Stock please use our How to Invest in Ally Financial guide.
You can also try the Portfolio Dashboard module to portfolio dashboard that provides centralized access to all your investments.

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Is Ally Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Ally Financial. If investors know Ally will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Ally Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.81)
Dividend Share
1.2
Earnings Share
2.99
Revenue Per Share
23.394
Quarterly Revenue Growth
(0.13)
The market value of Ally Financial is measured differently than its book value, which is the value of Ally that is recorded on the company's balance sheet. Investors also form their own opinion of Ally Financial's value that differs from its market value or its book value, called intrinsic value, which is Ally Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Ally Financial's market value can be influenced by many factors that don't directly affect Ally Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Ally Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Ally Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Ally Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.