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Upturn AI SWOT - About
ALLY 
Ally Financial Inc (ALLY)
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Upturn Advisory Summary
08/28/2025: 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 $46
1 Year Target Price $46
| 6 | Strong Buy |
| 6 | Buy |
| 6 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.94% | Avg. Invested days 49 | 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 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 12.64B USD | Price to earnings Ratio 39.47 | 1Y Target Price 46 |
Price to earnings Ratio 39.47 | 1Y Target Price 46 | ||
Volume (30-day avg) 20 | Beta 1.15 | 52 Weeks Range 29.02 - 41.71 | Updated Date 08/29/2025 |
52 Weeks Range 29.02 - 41.71 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.92% | 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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.32% | Operating Margin (TTM) 22.78% |
Management Effectiveness
Return on Assets (TTM) 0.23% | Return on Equity (TTM) 3.06% |
Valuation
Trailing PE 39.47 | Forward PE 11.85 | Enterprise Value 24196519936 | Price to Sales(TTM) 1.84 |
Enterprise Value 24196519936 | Price to Sales(TTM) 1.84 | ||
Enterprise Value to Revenue 3.95 | Enterprise Value to EBITDA - | Shares Outstanding 307808000 | Shares Floating 277310411 |
Shares Outstanding 307808000 | Shares Floating 277310411 | ||
Percent Insiders 10.33 | Percent Institutions 85.38 |
Upturn AI SWOT
Ally Financial Inc
Company Overview
History and Background
Ally Financial Inc. was founded in 1919 as General Motors Acceptance Corporation (GMAC). It primarily financed car purchases. In 2006, GMAC was acquired by a private equity consortium. In 2009, during the financial crisis, it was bailed out by the U.S. government and rebranded as Ally Financial. The company went public in 2014.
Core Business Areas
- Auto Finance: Ally provides auto financing to consumers and dealers, including loans, leases, and commercial lending.
- Direct Banking: Ally Bank offers online banking services such as savings accounts, checking accounts, CDs, and mortgage lending.
- Corporate Finance: Ally provides financing solutions to middle-market companies through its corporate finance division.
- Ally Invest: Provides robo-advisor services, as well as self-directed stock and options trading.
Leadership and Structure
Jeffrey J. Brown is the Chief Executive Officer. Ally operates under a traditional corporate structure with various executive vice presidents leading different business units.
Top Products and Market Share
Key Offerings
- Auto Loans: Ally is a major player in auto lending. It has a large dealer network. Ally is one of the largest auto lenders in the US. Competitors include Capital One, Bank of America, and Wells Fargo.
- Online Savings Accounts: Ally Bank's online savings accounts are known for competitive interest rates. The amount of total assets Ally Bank holds is a significant percentage of the online bank market share. Competitors include Marcus by Goldman Sachs, Discover Bank, and Capital One 360.
- Auto Insurance: Ally offers auto insurance. Market share data is limited. Competitors include State Farm, GEICO, and Progressive.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes. Interest rates, economic conditions, and consumer spending habits heavily influence the sector. Technology and digitalization are transforming the industry, increasing competition from fintech companies.
Positioning
Ally is positioned as a digital-first financial services provider with a focus on auto finance and online banking. Its competitive advantages include a strong brand reputation in auto finance and high interest rates for its online banking products.
Total Addressable Market (TAM)
The TAM for auto finance and online banking combined is estimated to be several trillion dollars annually. Ally has a significant presence in the auto lending market and growing presence in the online banking sector. The market cap for Ally is about $12 billion.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in auto finance
- Competitive interest rates on online savings accounts
- Digital-first approach
- Large dealer network
- Diverse revenue streams
Weaknesses
- Reliance on auto industry performance
- Exposure to credit risk
- Sensitivity to interest rate fluctuations
- Reputational risk from past GMAC affiliation
- Limited physical branch presence
Opportunities
- Expansion of online banking services
- Growth in the auto finance market
- Strategic acquisitions
- Increased adoption of digital banking
- Partnerships with fintech companies
Threats
- Economic downturns
- Increased competition from fintech companies
- Regulatory changes
- Rising interest rates
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- COF
- DFS
- BAC
Competitive Landscape
Ally competes with both traditional banks and fintech companies. Ally's advantages include its strong brand in auto finance and its competitive interest rates. The disadvantages include lack of locations compared to bigger banks like BOA.
Major Acquisitions
Health Credit Services
- Year: 2022
- Acquisition Price (USD millions): 475
- Strategic Rationale: This acquisition expands Ally's point-of-sale lending offerings into the healthcare sector.
Growth Trajectory and Initiatives
Historical Growth: Ally has experienced growth in its online banking and auto finance segments over the past decade. Expansion of the services has also contributed to a rise in revenues.
Future Projections: Analysts predict moderate growth for Ally, driven by increased adoption of online banking and a steady auto market. The estimates can change depending on macroeconomic events.
Recent Initiatives: Ally has invested in technology to enhance its digital banking platform and expand its auto finance offerings. They have also explored partnerships with fintech companies.
Summary
Ally Financial is a solid company with a strong presence in auto finance and growing online banking operations. Its digital-first approach and competitive rates are working well. The company needs to watch out for economic downturns and increasing competition in the financial services sector. The reliance on the Auto-Finance sector makes it vulnerable to economic cycles.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Ally Financial Inc. Investor Relations
- SEC Filings
- MarketWatch
- Yahoo Finance
- Company Press Releases
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change. Investment decisions should be based on individual research and consultation with a financial advisor.
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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