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Upturn AI SWOT - About
ALLY 
Ally Financial Inc (ALLY)
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Upturn Advisory Summary
10/24/2025: ALLY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
20 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $48.06
1 Year Target Price $48.06
| 6 | Strong Buy |
| 6 | Buy |
| 6 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1.89% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 12.87B USD | Price to earnings Ratio 40.2 | 1Y Target Price 48.06 |
Price to earnings Ratio 40.2 | 1Y Target Price 48.06 | ||
Volume (30-day avg) 20 | Beta 1.17 | 52 Weeks Range 29.02 - 44.83 | Updated Date 10/25/2025 |
52 Weeks Range 29.02 - 44.83 | Updated Date 10/25/2025 | ||
Dividends yield (FY) 2.93% | Basic EPS (TTM) 1.04 |
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 2025-10-17 | When Before Market | Estimate 1.01 | Actual 1.15 |
Profitability
Profit Margin 6.61% | Operating Margin (TTM) 25.94% |
Management Effectiveness
Return on Assets (TTM) 0.25% | Return on Equity (TTM) 3.18% |
Valuation
Trailing PE 40.2 | Forward PE 7.12 | Enterprise Value 25576288256 | Price to Sales(TTM) 1.79 |
Enterprise Value 25576288256 | Price to Sales(TTM) 1.79 | ||
Enterprise Value to Revenue 3.87 | Enterprise Value to EBITDA - | Shares Outstanding 307828000 | Shares Floating 277331480 |
Shares Outstanding 307828000 | Shares Floating 277331480 | ||
Percent Insiders 10.33 | Percent Institutions 85.14 |
Upturn AI SWOT
Ally Financial Inc
Company Overview
History and Background
Ally Financial Inc., formerly GMAC Inc., was founded in 1919 as General Motors Acceptance Corporation. It initially provided financing for GM vehicle purchases. Following the 2008 financial crisis, it was bailed out by the U.S. government and subsequently rebranded as Ally Financial in 2010. Ally has since diversified beyond auto financing to include online banking and mortgage lending.
Core Business Areas
- Auto Finance: Provides auto financing solutions, including retail financing, leasing, and commercial lending to automotive dealers and consumers.
- Online Banking: Offers a range of digital banking products and services, including savings accounts, checking accounts, certificates of deposit (CDs), and personal loans.
- Mortgage Finance: Provides mortgage lending services to consumers.
- Corporate Finance: Offers financing solutions to middle-market companies.
Leadership and Structure
Ally Financial Inc. is led by CEO Jeffrey Brown. The organizational structure includes various executive leadership positions overseeing different business segments, risk management, and technology. The board of directors provides governance oversight.
Top Products and Market Share
Key Offerings
- Auto Loans: Ally is a major player in auto lending, providing financing for new and used vehicles through dealerships. Market share fluctuates, but Ally consistently ranks among the top auto lenders in the US. Competitors include Capital One (COF), Bank of America (BAC) and local credit unions. Revenue is largely dependent on interest rate spreads and volume of loans originated and the general health of auto sales.
- Market Share (%): 9
- Number of Users (millions): 2.6
- Online Savings Accounts: Ally Bank's online savings accounts offer competitive interest rates and no minimum balance requirements, attracting a substantial customer base. Competitors include Marcus by Goldman Sachs (GS), Capital One 360 (COF), and Discover Bank (DFS). Revenue is driven by Net interest income (NII).
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes and economic cycles. The auto finance sector is influenced by vehicle sales, interest rates, and credit availability. Online banking is experiencing rapid growth, driven by consumer demand for digital solutions.
Positioning
Ally Financial Inc. positions itself as a digital-first financial services provider, focusing on providing convenient and competitive products to consumers. Its competitive advantages include its established brand recognition, online platform, and expertise in auto finance.
Total Addressable Market (TAM)
The TAM for auto finance is estimated to be in the hundreds of billions of dollars annually. The TAM for online banking is also substantial, reflecting the growing shift towards digital financial services. Ally is positioned to capture a significant share of these markets through its digital platform and product offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Established online platform
- Expertise in auto finance
- Competitive interest rates on savings accounts
- Efficient cost structure
Weaknesses
- Dependence on auto finance sector
- Exposure to credit risk in lending portfolios
- Lower brand recognition compared to larger banks
- Susceptibility to interest rate fluctuations
- Limited physical branch network
Opportunities
- Expanding into new financial products and services
- Growing online banking customer base
- Leveraging technology to improve efficiency
- Increasing market share in mortgage finance
- Acquiring smaller fintech companies
Threats
- Increased competition from other banks and fintech companies
- Economic downturn impacting auto sales and credit quality
- Regulatory changes impacting financial services industry
- Rising interest rates increasing borrowing costs
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- COF
- DFS
- BAC
- WFC
Competitive Landscape
Ally faces competition from established banks, fintech companies, and other auto lenders. Ally's digital platform and competitive interest rates provide a competitive edge. Key competitors also have auto lending business lines so the overall market share in that sector is very competitive.
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 has experienced growth in its online banking business and has maintained a strong position in auto finance. However, recent economic headwinds have impacted profitability.
Future Projections: Analyst estimates suggest moderate revenue growth in the coming years. Profitability is expected to improve as interest rate conditions normalize.
Recent Initiatives: Ally has launched new digital banking products and services and has invested in technology to improve customer experience.
Summary
Ally Financial is a solid company with a strong online banking presence and expertise in auto finance. Its digital platform and competitive rates are key strengths. Economic uncertainties and competition in the financial sector pose potential challenges, while Ally's balance sheet health is decent but needs to improve, it supports future strategic moves. Ally needs to make sure that the cost of loans remains competative without eroding their bottom line.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Ally Financial Inc. Investor Relations
- SEC Filings
- MarketWatch
- Yahoo Finance
- Company's Annual Report
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making 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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