GMZ Stock Chart & Stats
€38.47
-€0.42(-1.08%)
At close: 4:00 PM EDT
€38.47
-€0.42(-1.08%)
Day’s Range― - ―
52-Week Range€31.05 - €41.33
Previous CloseN/A
Volume0.00
Average Volume (3M)25.00
Market Cap
€11.43B
Enterprise Value€37.23K
Total Cash (Recent Filing)€8.68B
Total Debt (Recent Filing)€22.97B
Price to Earnings (P/E)10.1
Beta0.41
Next Earnings
Oct 21, 2026EPS Estimate
1.25Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.29
Shares Outstanding304,199,700
10 Day Avg. Volume75
30 Day Avg. Volume25
Financial Highlights & Ratios
PEG Ratio0.61
Price to Book (P/B)0.91
Price to Sales (P/S)1.16
P/FCF Ratio-21.76
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€48.52Price Target Upside26.12% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering14
EPS Forecast (FY)4.6
Revenue Forecast (FY)€7.97B
Bulls Say, Bears Say
Bulls Say
Deposit Franchise / Stable FundingA large, sticky retail deposit base ($144bn; 87% of funding; multi-year customer growth) supplies low-cost, durable funding. That reduces reliance on volatile wholesale markets, supports sustained asset growth (loans/leases), and underpins net interest income and funding resilience over cycles.
Origination & Portfolio GrowthStrong, repeatable origination scale (retail originations +21% YoY; record applications) and growing corporate finance assets demonstrate diversified, high-return growth engines. Durable dealer/distribution relationships and scale support sustained loan production and fee income across market cycles.
Margin Expansion & Capital PositionManagement's upper‑3s NIM target alongside a CET1 ratio near 10.1% signals improving earning power with a meaningful capital buffer. Tighter loss guidance and modest buybacks/dividends indicate disciplined capital allocation that can sustain returns while preserving regulatory and balance sheet flexibility.
Bears Say
Elevated LeveragePersistently elevated leverage (D/E ~1.4–1.6) reduces financial flexibility and amplifies earnings sensitivity to credit or margin shocks. Higher leverage limits the firm's ability to absorb losses or pursue opportunistic investments without raising external capital during stress periods.
Weak Free Cash Flow ConversionDespite solid operating cash flow (~$4.6B TTM), very thin and volatile free cash flow constrains internal funding for buybacks, dividends or inorganic growth. Limited cash conversion increases reliance on capital markets for strategic actions and weakens shock absorption over multiple quarters.
Credit / Reserve VolatilityMaterial CECL reserve builds and a sizable provision increase highlight sensitivity of earnings to credit assumptions amid rapid asset growth. Combined with 30+ day delinquencies still elevated, reserve volatility can swing earnings and capital needs, forcing defensive actions or margin trade-offs.
Ally Financial News
GMZ FAQ
What was Ally Financial’s price range in the past 12 months?
Ally Financial lowest stock price was €31.05 and its highest was €41.33 in the past 12 months.
What is Ally Financial’s market cap?
Ally Financial’s market cap is €11.43B.
When is Ally Financial’s upcoming earnings report date?
Ally Financial’s upcoming earnings report date is Oct 21, 2026 which is in 78 days.
How were Ally Financial’s earnings last quarter?
Ally Financial released its earnings results on Jul 21, 2026. The company reported €1.049 earnings per share for the quarter, missing the consensus estimate of €1.06 by -€0.011.
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 1.25.
How many shares outstanding does Ally Financial have?
Ally Financial has 304,199,700 shares outstanding.
What happened to Ally Financial’s price movement after its last earnings report?
Ally Financial reported an EPS of €1.049 in its last earnings report, missing expectations of €1.06. Following the earnings report the stock price went up 0.226%.
Which hedge fund is a major shareholder of Ally Financial?
Currently, no hedge funds are holding shares in DE: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
1
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4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
€48.52 (26.12% Upside)
€48.52 (26.12% Upside)
Blogger Sentiment
Bullish
DE:GMZ Sentiment 70%
Sector Average ―
Sector Average ―
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
15.18%
12-Months-Change
Fundamentals
Return on Equity
2.77%
Trailing 12-Months
Asset Growth
5.44%
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 Company Deck
GMZ Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a predominantly positive picture: strong revenue and earnings growth (adjusted EPS +22%), margin expansion (NIM up to 3.63%), robust origination and application volumes, improving retail credit metrics, record corporate finance performance, and stronger capital and customer franchises. Lowlights were largely manageable: CECL reserve builds tied to rapid asset growth (causing a modest EPS headwind), a temporary shift in origination mix that compressed quarter-originated yield, seasonal deposit outflows, and continued macro uncertainty. On balance the positives — broad-based growth, margin and capital improvement, and tightened loss guidance — materially outweigh the transitory and manageable negatives.View all DE:GMZ earnings summariesGMZ 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
All Analysts
Top Analysts
Average Price Target
€48.52
▲(26.12% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
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