Ally Financial stock analysis
Ally Financial (GMZ) Stock Price & Analysis
GMZ Stock Chart & Stats
- Day’s Range
- EUR 34.36 - EUR 34.38
- 52-Week Range
- EUR 31.05 - EUR 41.33
- Previous Close
- EUR 33.99
- Volume
- N/A
- Average Volume (3M)
- 16
- Market Cap
- EUR 10.34B
- Enterprise Value
- EUR 36.42B
- Total Cash (Recent Filing)
- EUR 35.05B
- Total Debt (Recent Filing)
- EUR 25.03B
- Price to Earnings (P/E)
- 8.7
- Beta
- 0.48
- Next Earnings
- Jan 15, 2027 (Est.)
- EPS Estimate
- 1.21
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.17%
Bulls Say, Bears Say
Bulls Say
Revenue Growth And Operating Leverage
Recent revenue growth alongside stable expenses indicates Ally is converting expanding business volume into better operating efficiency. If this pattern persists, it can support stronger earnings generation and provide resources for continued investment, capital building, and shareholder returns.
Digital Deposit Franchise
Sustained digital-bank customer growth strengthens Ally’s deposit-gathering platform, a strategically important funding source for its lending businesses. A larger customer base can improve funding scale, support recurring relationships, and reduce reliance on more expensive market-based borrowing over time.
Corporate Finance Diversification
Rapid corporate-finance growth broadens Ally beyond consumer auto lending and adds a meaningful earnings contributor with reported strong credit performance. The portfolio’s first-lien senior-secured, floating-rate structure and historically low losses may improve diversification and resilience.
Bears Say
Rising Leverage
Higher leverage reduces balance-sheet flexibility and leaves less capacity to absorb credit deterioration or pursue growth during difficult conditions. It can also increase funding sensitivity and constrain capital allocation, making sustained profitability and disciplined balance-sheet management more important.
Inconsistent Free Cash Flow
Although operating cash flow improved and free cash flow recently turned positive, inconsistent residual cash generation weakens confidence that reported earnings translate into flexible internally generated funds. Persistent conversion pressure could limit debt reduction, reinvestment, and shareholder distributions.
Auto Credit And Provision Pressure
Higher provisions show that expanding the retail auto portfolio carries a material upfront earnings cost and exposes results to worsening borrower performance. If reserve builds continue, they can offset revenue growth, reduce returns on capital, and make earnings more sensitive to credit conditions.
Ally Financial News
GMZ FAQ
What was Ally Financial’s price range in the past 12 months?
What is Ally Financial’s market cap?
When is Ally Financial’s upcoming earnings report date?
How were Ally Financial’s earnings last quarter?
Is Ally Financial overvalued?
Does Ally Financial pay dividends?
What is Ally Financial’s EPS estimate?
How many shares outstanding does Ally Financial have?
What happened to Ally Financial’s price movement after its last earnings report?
Which hedge fund is a major shareholder of Ally Financial?
What is the TipRanks Smart Score and how is it calculated?
Ally Financial Stock Smart Score
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.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Michael G. Rhodes
- Employees
- 10,300
- Website
- www.ally.com
- Address
- Ally Detroit Center, Detroit, MI, 48226, US
Ally Financial (GMZ) Earnings & Revenues
GMZ Company Deck
GMZ Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. Ally reported double-digit adjusted EPS growth, higher revenue, operating leverage, strong growth in retail auto and corporate finance, continued digital bank customer gains, improved capital returns, and raised average earning asset growth guidance. The principal challenges were higher CECL provisions, elevated auto delinquencies in certain vintages, lease residual-value pressure, and ongoing rate and consumer-affordability risks, but management said credit performance, the full-year outlook, and the longer-term path toward higher returns remain in line with expectations.
View all DE:GMZ earnings summariesGMZ Net sales 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
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 10 | 5 | 7 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 7 | 0 | 5 |
