GMZ Stock Chart & Stats
Currently, no data available
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Bulls Say, Bears Say
Bulls Say
Deposit Franchise StrengthA large, primarily retail deposit base provides durable, low‑cost funding versus wholesale markets. With ~$146B in retail deposits and 92% FDIC coverage, Ally can fund higher‑return assets (auto, corporate finance) with lower volatility, supporting NII and scalable growth over the medium term.
Improving Credit TrendsMarked improvement in net charge‑offs and delinquencies reduces earnings volatility and reserve pressure. Sustained better credit performance supports lower provisioning needs, steadier earnings conversion from lending activities, and greater capacity to grow lending without immediate capital strain.
Capital Position & ReturnsA CET1 ratio above 10% with rising tangible book and active buybacks/dividend indicates capital flexibility and management discipline. This supports continued shareholder returns while preserving capacity for accretive growth and buffer against regulatory or cyclical stress over the medium term.
Bears Say
Weak Free Cash Flow ConversionVery low free cash flow relative to operating cash suggests earnings are not reliably converting to distributable cash. This reduces internal funding for buybacks, investment, or loss absorption, increasing dependence on deposit flows and external funding to support growth or manage shocks.
Meaningful LeverageMaterial leverage (debt/equity ~1.38x) is typical for a finance franchise but leaves less cushion if credit deteriorates. In a downturn, modest equity levels constrain capital actions and amplify earnings sensitivity to credit losses and funding stresses, raising structural risk over the medium term.
Competitive Pressure On YieldsSustained competition in auto lending and deposits can compress margins and raise acquisition costs. For a deposit-funded lender, persistent yield pressure reduces net interest margin and return on assets, forcing either higher risk appetite or slower growth to preserve profitability long term.
Ally Financial News
GMZ FAQ
What was Ally Financial’s price range in the past 12 months?
Currently, no data Available
What is Ally Financial’s market cap?
Ally Financial’s market cap is CHF11.30B.
When is Ally Financial’s upcoming earnings report date?
Ally Financial’s upcoming earnings report date is Jul 21, 2026 which is in 2 days.
How were Ally Financial’s earnings last quarter?
Ally Financial released its earnings results on Apr 17, 2026. The company reported $0.897 earnings per share for the quarter, beating the consensus estimate of $0.755 by $0.142.
Is Ally Financial overvalued?
According to Wall Street analysts Ally Financial’s price is currently Undervalued.
Does Ally Financial pay dividends?
Ally Financial does not currently pay dividends.
What is Ally Financial’s EPS estimate?
Ally Financial’s EPS estimate is 0.99.
How many shares outstanding does Ally Financial have?
Currently, no data Available
What happened to Ally Financial’s price movement after its last earnings report?
Ally Financial reported an EPS of $0.897 in its last earnings report, beating expectations of $0.755. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of Ally Financial?
Currently, no hedge funds are holding shares in CH:GMZ
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Ally Financial Stock Smart Score
Outperform
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Analyst Consensus
Strong Buy
Average Price Target:
CHF43.23 (― Downside)
CHF43.23 (― Downside)
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
16.82%
12-Months-Change
Fundamentals
Return on Equity
9.19%
Trailing 12-Months
Asset Growth
2.04%
Trailing 12-Months
Company Description
Ally Financial
Ally Financial Inc. operates as a digital-first financial services provider, offering a comprehensive suite of products and services to individual consumers, commercial enterprises, and corporate clients. Its primary operational footprint spans the United States and Canada. The company is structured into four main operating segments: 1. Automotive Finance Operations: This segment specializes in vehicle financing solutions. Offerings include retail installment sales contracts, loans, and operating leases for consumers, as well as term loans for dealerships. It also facilitates dealer floorplan financing, other lines of credit for dealers, warehouse lines for automotive retailers, and fleet financing. Furthermore, this division provides funding for companies and municipalities purchasing or leasing vehicles and offers vehicle remarketing services. 2. Insurance Operations: Through this segment, Ally provides consumer finance protection and various insurance products via the automotive dealer channel. It also extends commercial insurance products directly to dealerships. Key offerings include vehicle service and maintenance contracts, guaranteed asset protection (GAP) products, and underwriting for commercial coverages, primarily safeguarding dealers' vehicle inventory. 3. Mortgage Finance Operations: This division oversees a portfolio of consumer mortgage loans. Its activities encompass the bulk acquisition of jumbo and low-to-moderate income mortgage loans originated by third parties, alongside direct-to-consumer mortgage offerings. 4. Corporate Finance Operations: This segment delivers senior secured leveraged cash flow loans and asset-based lending solutions to middle-market companies. It also provides other leveraged loans and commercial real estate products, particularly catering to firms within the healthcare industry. Beyond its core segments, Ally Financial Inc. also furnishes a variety of commercial banking products and services, alongside securities brokerage and investment advisory services. The company, founded in 1919 and based in Detroit, Michigan, was previously known as GMAC Inc. before officially changing its name to Ally Financial Inc. in May 2010.
GMZ Net revenue Breakdown
69.17% Automotive Finance operations
18.81% Insurance operations
6.10% Corporate Finance operations
2.76% Mortgage Finance operations
GMZ Stock 12 Month Forecast
Average Price Target
$43.23
Credit Acceptance
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