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Upturn AI SWOT - About
ALLY 
Ally Financial Inc (ALLY)
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Upturn Advisory Summary
07/14/2025: ALLY (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
20 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $41.94
1 Year Target Price $41.94
| 6 | Strong Buy |
| 6 | Buy |
| 6 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 17.08% | Avg. Invested days 54 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 12.42B USD | Price to earnings Ratio 67.4 | 1Y Target Price 41.94 |
Price to earnings Ratio 67.4 | 1Y Target Price 41.94 | ||
Volume (30-day avg) 20 | Beta 1.12 | 52 Weeks Range 29.25 - 44.03 | Updated Date 07/14/2025 |
52 Weeks Range 29.25 - 44.03 | Updated Date 07/14/2025 | ||
Dividends yield (FY) 3.08% | Basic EPS (TTM) 0.6 |
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 2025-07-18 | When Before Market | Estimate 0.8 | Actual - |
Profitability
Profit Margin 4.51% | Operating Margin (TTM) 1.32% |
Management Effectiveness
Return on Assets (TTM) 0.16% | Return on Equity (TTM) 2.16% |
Valuation
Trailing PE 67.4 | Forward PE 11.56 | Enterprise Value 23791454208 | Price to Sales(TTM) 1.87 |
Enterprise Value 23791454208 | Price to Sales(TTM) 1.87 | ||
Enterprise Value to Revenue 3.99 | Enterprise Value to EBITDA - | Shares Outstanding 307175008 | Shares Floating 276669180 |
Shares Outstanding 307175008 | Shares Floating 276669180 | ||
Percent Insiders 10.35 | Percent Institutions 85.68 |
Upturn AI SWOT
Ally Financial Inc
Company Overview
History and Background
Ally Financial Inc. was founded in 1919 as General Motors Acceptance Corporation (GMAC) to provide financing for GM car buyers. It evolved into a full-service financial institution, and in 2010, rebranded as Ally Financial after emerging from government bailout during the 2008 financial crisis.
Core Business Areas
- Auto Finance: Provides auto financing solutions to consumers and dealers, including vehicle loans, leases, and commercial lending.
- Online Banking: Offers deposit accounts, including savings, checking, and certificates of deposit, primarily through its online platform, Ally Bank.
- Corporate Finance: Provides financing to middle-market companies, including leveraged loans, asset-based lending, and other financial services.
- Mortgage Finance: Ally Home offers digital mortgage, servicing and refinancing solutions.
Leadership and Structure
Ally Financial Inc. is led by CEO Jeffrey J. Brown. It operates under a corporate structure with various business units and support functions.
Top Products and Market Share
Key Offerings
- Auto Loans: Provides financing for new and used vehicles. Ally is a major player in the auto finance market. Competitors include Capital One Auto Navigator, Auto Credit Express, and local dealerships' financing options. Market share data varies, but Ally maintains a significant position.
- High-Yield Savings Accounts: Offers competitive interest rates on savings accounts through Ally Bank. Competitors include Marcus by Goldman Sachs, Discover Bank, and other online banks. Ally attracts many users due to its competitive rates and no-fee structure.
- Commercial Lending: Provides wholesale financing and insurance services to auto dealers. Competitors include Huntington Bank and Wells Fargo Commercial. It serves auto dealers across the US.
Market Dynamics
Industry Overview
The financial services industry is characterized by intense competition, changing regulatory landscape, and technological advancements. Auto lending is sensitive to interest rate fluctuations and economic conditions. The banking sector faces pressure from fintech companies and evolving consumer preferences.
Positioning
Ally Financial Inc. differentiates itself through its digital-first approach, competitive rates, and focus on customer service. It has established a strong brand in auto finance and online banking.
Total Addressable Market (TAM)
The TAM for US auto finance is in the trillions of dollars. The online banking TAM is also substantial and growing rapidly. Ally is well positioned to capture a portion of these markets with its established presence and digital capabilities.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Digital-first approach
- Competitive interest rates
- Established presence in auto finance
- Strong capital position
Weaknesses
- Reliance on auto finance, making it vulnerable to automotive market downturns.
- Sensitivity to interest rate changes.
- Reputation still recovering from the GMAC era.
- Lack of physical branch network in banking sector.
Opportunities
- Expansion of product offerings (e.g., wealth management).
- Increased adoption of online banking.
- Strategic acquisitions to expand market share.
- Further enhancement of digital platform and user experience.
- Growth in the used car market.
Threats
- Increased competition from fintech companies.
- Economic downturn impacting auto sales and loan defaults.
- Rising interest rates reducing profitability.
- Changes in regulations affecting the financial services industry.
- Cybersecurity risks.
Competitors and Market Share
Key Competitors
- COF
- DFS
- GNMA
Competitive Landscape
Ally Financial Inc. competes with other major auto lenders, online banks, and financial institutions. Its competitive advantages include its digital-first approach, strong brand, and competitive rates. However, it faces challenges from fintech companies and traditional banks.
Major Acquisitions
Fair Square Financial
- Year: 2022
- Acquisition Price (USD millions): 750
- Strategic Rationale: Acquisition expanded Ally's credit card offerings and customer base.
Growth Trajectory and Initiatives
Historical Growth: Ally Financial Inc. has experienced significant growth in recent years, driven by its online banking platform and auto finance business.
Future Projections: Analysts project continued growth for Ally Financial Inc., driven by expansion in online banking, increasing auto sales, and strategic initiatives.
Recent Initiatives: Recent strategic initiatives include investments in technology, expansion of product offerings, and partnerships with other companies to enhance customer experience.
Summary
Ally Financial Inc. is a strong player in the auto finance and online banking industries, characterized by its digital platform and competitive offerings. The company has shown consistent financial growth, but it remains sensitive to market fluctuations and increasing competition. Ally is positioned to continue its growth trajectory, however, it needs to be cautious about the fintech industry and interest rate changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Ally Financial Inc. Investor Relations, SEC Filings, Analyst Reports, Market Research Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on individual circumstances and consultation with a financial professional. Market data is subject to change.
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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