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Upturn AI SWOT - About
ALLY 
Ally Financial Inc (ALLY)
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Upturn Advisory Summary
09/16/2025: 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 $47.12
1 Year Target Price $47.12
| 6 | Strong Buy |
| 6 | Buy |
| 6 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.86% | Avg. Invested days 51 | 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 09/16/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 13.26B USD | Price to earnings Ratio 41.41 | 1Y Target Price 47.12 |
Price to earnings Ratio 41.41 | 1Y Target Price 47.12 | ||
Volume (30-day avg) 20 | Beta 1.13 | 52 Weeks Range 29.02 - 43.42 | Updated Date 09/16/2025 |
52 Weeks Range 29.02 - 43.42 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 2.84% | 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 41.41 | Forward PE 7.89 | Enterprise Value 24818292736 | Price to Sales(TTM) 1.93 |
Enterprise Value 24818292736 | Price to Sales(TTM) 1.93 | ||
Enterprise Value to Revenue 4.02 | Enterprise Value to EBITDA - | Shares Outstanding 307808000 | Shares Floating 277310411 |
Shares Outstanding 307808000 | Shares Floating 277310411 | ||
Percent Insiders 10.33 | Percent Institutions 85.36 |
Upturn AI SWOT
Ally Financial Inc
Company Overview
History and Background
Ally Financial Inc., formerly GMAC, was founded in 1919 as General Motors Acceptance Corporation. It provided financing for GM vehicles and expanded over time. Following the 2008 financial crisis, GMAC became Ally Financial. It transitioned to a diversified financial services company, emphasizing digital banking and auto finance.
Core Business Areas
- Auto Finance: Provides auto financing solutions to consumers and dealers, including retail financing, leasing, and commercial lending.
- Direct Banking: Offers a range of digital banking products and services, including online savings accounts, checking accounts, certificates of deposit (CDs), and mortgages.
- Corporate Finance: Provides financing solutions to middle-market companies through leveraged loans and other debt instruments.
Leadership and Structure
Jeffrey J. Brown serves as the Chief Executive Officer. The organizational structure includes various business units led by senior executives, reporting to the CEO. The company has a Board of Directors responsible for oversight and governance.
Top Products and Market Share
Key Offerings
- Auto Financing: Provides loans for new and used vehicles. Ally is a major player in auto finance. Competitors: Capital One Auto Navigator, Bank of America, Chase Auto, local credit unions.
- Online Savings Accounts: High-yield savings accounts offered through Ally Bank, attracting customers seeking competitive interest rates. Competitors: Discover Bank, Marcus by Goldman Sachs, Capital One 360.
- Ally Invest: An online brokerage platform offering self-directed investing and managed portfolios. Competitors: Fidelity, Charles Schwab, Robinhood.
Market Dynamics
Industry Overview
The financial services industry is characterized by intense competition, regulatory scrutiny, and technological advancements. Digital banking is growing rapidly, and consumer preferences are shifting towards online and mobile banking solutions.
Positioning
Ally Financial Inc. is positioned as a leading digital financial services provider, focusing on auto finance and direct banking. Its competitive advantages include its established brand, strong dealer relationships, and innovative digital platform.
Total Addressable Market (TAM)
The total addressable market for auto finance and digital banking is estimated to be in the trillions of dollars. Ally Financial Inc. captures a portion of this market through its various products and services and is expanding.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Established dealer network in auto finance
- Competitive interest rates on deposit products
- User-friendly digital platform
- Diversified revenue streams
Weaknesses
- Dependence on auto industry cycles
- Exposure to credit risk in auto lending
- Relatively small market share in some banking products
- Higher cost structure than pure digital banks
Opportunities
- Expansion of digital banking services
- Growth in auto lending market
- Strategic partnerships with fintech companies
- Increased demand for online investment platforms
- Offer buy now pay later for car repair.
Threats
- Economic downturns affecting auto sales and credit quality
- Increased competition from traditional and digital banks
- Rising interest rates impacting profitability
- Regulatory changes affecting financial institutions
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- CACC
- COF
- DFS
Competitive Landscape
Ally's digital focus and strong dealer network are advantages. However, it faces competition from larger banks and fintech companies, which have diverse product offerings and established customer bases.
Major Acquisitions
CardWorks
- Year: 2020
- Acquisition Price (USD millions): 2650
- Strategic Rationale: CardWorks added credit card capabilities to Ally's product portfolio, diversifying its revenue streams and expanding its customer base.
Growth Trajectory and Initiatives
Historical Growth: Discuss Ally Financial Inc's growth trends over the past years. *Note: This requires real-time data unavailable for this model. Insert Placeholder Values*.
Future Projections: Provide projections for Ally Financial Inc's future growth based on analyst estimates. *Note: This requires real-time data unavailable for this model. Insert Placeholder Values*.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Ally Financial Inc. *Note: This requires real-time data unavailable for this model. Insert Placeholder Values*.
Summary
Ally Financial is a solid player in the auto finance and digital banking space, benefiting from its brand and dealer relationships. Its digital banking platform offers competitive rates, attracting customers. Credit risk in auto lending and competition from larger players remain key concerns. Strategic acquisitions and expansion of digital services can drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Market analysis
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified 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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