ALLY is OVERVALUED SecDiverAI
Median Fair Price 20.73
Confidence: LOW
Fair Price Range 13.02 - 34.57
1 Year Price target: $ 16.33 - $ 21.54
3 Year Price target: $ 10.14 - $ 23.24
Current Market Price: 31.63 as of 2025-04-18
Investment Value of 100 $ invested in ALLY as compared to Market Index: SPY across historical periods[*does not include dividends]
Investment Period $ Value Today(ALLY) $ Value Today(SPY) CAGR vs Market
9 years before $ 215.22 $ 208.39 8.89% vs SPY:8.5%
5 years before $ 122.37 $ 150.37 4.12% vs SPY:8.5%
3 years before $ 74.59 $ 127.73 -9.31% vs SPY:8.5%
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We have 4 report results for ticker: ALLY - Ally Financial Inc., also organized by 4 group tags below ... Bargain Finder: Related Companies Portfolio Health: Related Companies

Business Checklist for ALLY from SecDiver AI beta Free for Limited Time

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Red Flags Identified


13

Total Checks Done


29

Wall Street Drivers beta

📊 Professional Investors(wallstreet) pay a lot of heed at these numbers, long term history matters - specially 9+ year trends
Score 4.0 / 10.0

  • revenue cagr for last 9 years
  • insight: ['22.92 is greater than equal to 5']
  • mental_model: We prefer growing Business which grow >= 5% YoY, better than GDP growth of >= 2-3%
  • cashflows cagr for last 9 years
  • insight: ['4.22 is NOT greater than equal to 5']
  • mental_model: We prefer growing Business which generate cashflows >= 5% YoY, for some industries like finance specially Banks this might be lower/red and its OK for them
  • shares outstanding cagr for last 9 years
  • insight: ['-4.58 is less than equal to 2']
  • mental_model: As a business owner equity is important, We want less dilution over years OR it should reduce so our share of business increases with time, less than 2% is ideal, >=10% is potentially bad be careful
  • debt cagr for last 9 years
  • insight: ['-11.38 is less than equal to 2']
  • mental_model: We prefer Business with lower debt growth
  • equity cagr for last 9 years
  • insight: ['-0.65 is NOT greater than equal to 5']
  • mental_model: We prefer growing Business having shareholder equity growth >= 5% YoY
  • leverage average for last 3 years
  • insight: ['5.24 is NOT less than equal to 5', '5.24 is greater than equal to 0']
  • mental_model: We prefer Business which can pay their debts in less than 5 years using cashflows, for some industries like finance specially Banks this might be lower/red and its OK for them
  • roe_cashflow::operating average for last 3 years
  • insight: ['34.99 is greater than equal to 10']
  • mental_model: Good Business have return on equity >= 10%
  • roce_cashflow::operating average for last 3 years
  • insight: ['13.32 is NOT greater than equal to 15']
  • mental_model: Good Business have return on capital >= 15%
  • roic_cashflow::operating average for last 3 years
  • insight: ['3.92 is NOT greater than equal to 15']
  • mental_model: Good Business have return on invested capital >= 15%

Business Durability beta

🏰 Quality companies with moats show higher or stable trends, long term trends matters, Consistency is the Key
Score 7.0 / 10.0

  • margin cashflow running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.62 wrt mean ratio: 1.072']
  • cash average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 7602666666.67 wrt mean ratio: 6806974358.974']
  • mental_model: We want stability on cash growth
  • roa_cashflow::operating average for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 2.71 wrt mean ratio: 9.439']
  • mental_model: We want stability on increasing return on assets
  • roe_cashflow::operating average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 34.99 wrt mean ratio: 28.404']
  • mental_model: We want stability on increasing return on equity
  • roce_cashflow::operating average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 13.32 wrt mean ratio: 8.362']
  • mental_model: We want stability on increasing return on capital employed
  • roic_cashflow::operating average for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 3.92 wrt mean ratio: 3.929']
  • mental_model: We want stability on increasing return on invested capital

Business Trends last 3 years beta

Score 3.0 / 10.0

  • receivables running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 16.55 wrt mean ratio: 29.125']
  • mental_model: receivables should always grow less with revenues otherwise there might be some payment/collection issues, Watch out
  • payables running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.09 wrt mean ratio: 0.165']
  • mental_model: the more this is the better, nothing bad about it.
  • cash running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.92 wrt mean ratio: 1.69']
  • mental_model: cash trend should be similar or greater to revenue, if company is heavily reinvesting it might be OK, but do check

Profits Matter beta

💰 Companies needs to have positive profits to reward its shareholders in the long term
Score 10.0 / 10.0

  • positive cashflows profits average for last 3 years
  • insight: ['5110666666.67 is greater than equal to 0']
  • mental_model: We want to see positive cashflows profits for last 3 years, Profits determine Stock prices in the long term

Capital Allocation beta

🧠 Remember: Shareholders only gets rewarded if management does prudent capital allocation decisions
Score 5.0 / 10.0

  • cashToRevenue running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.92 wrt mean ratio: 1.69']
  • cashToEquity running_sum for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 0.56 wrt mean ratio: 0.448']

Business Performance beta

Score 8.0 / 10.0

  • Operating Leverage Cashflow cagr for last 9 years
  • insight: ['Ratio is [0.18] for last 9 year ratio, threshold 0.9, value_1: 4.22, value_2: 22.92']
  • debt cagr for last 9 years
  • insight: ['Ratio is [-0.5] for last 9 year ratio, threshold 1, value_1: -11.38, value_2: 22.92']
  • cash cagr for last 9 years
  • insight: ['Ratio is [-4.11] for last 9 year ratio, threshold 0.9, value_1: 2.67, value_2: -0.65']
  • debt-equity-cagr cagr for last 9 years
  • insight: ['Ratio is [17.51] for last 9 year ratio, threshold 1, value_1: -11.38, value_2: -0.65']
  • mental_model: We want debt to grow less than equity

Balance Sheet Quality beta

📈 Quality companies can withstand darkest hours, strong balance sheet is the key
Score 7.0 / 10.0

  • debtToCashflow running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 5.24 wrt mean ratio: 10.615']
  • debtToEquity running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 1.98 wrt mean ratio: 2.992']
  • leverage average for last 3 years
  • insight: ['5.24 is NOT less than equal to 5']
  • mental_model: We prefer Business which can pay their debts in less than 5 years

Taxes, Interest and Unearned beta

📈Note: this is a new one, so do not use this for now, we are looking at data
Score 0.0 / 10.0

  • unearned_revenue_balancesheet running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 16.55 wrt mean ratio: 18.467']

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We do NOT feel in CONTROL in the markets. Do we know why?

1. Showing BALANCE_SUMMARY report for ALLY [show/hide charts] Current Market Price: 31.63 as of 2025-04-18
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
ALLY StockMarketPrice 35.74 33.60 22.52 42.40 31.17 25.85 18.74 23.62 15.14 14.70 18.63
ALLY revenue 8.18B 8.23B 8.43B 8.21B 6.69B 6.39B 5.80B 5.76B 5.44B 1.14B 1.28B 1.48B 3.03B 6.07B 7.64B 6.20B
ALLY assets 191.84B 196.39B 191.83B 182.11B 182.16B 19.34B 18.90B 21.62B 21.62B 158.58B 151.83B 151.17B 182.35B 184.06B 172.01B 0.0
ALLY cash 10.29B 6.95B 5.57B 5.06B 15.62B 3.56B 4.54B 4.25B 4.25B 6.38B 5.58B 5.53B 7.51B 13.04B 11.67B 0.0
ALLY cashflow::operating 4.53B 4.56B 6.25B 0.0 4.66B 6.25B 4.04B 4.08B 4.57B 5.11B 3.40B 2.50B 5.05B 5.49B 11.61B -5.13B
ALLY equity 13.90B 13.77B 12.86B 17.05B 14.70B 14.42B 13.27B 13.49B 13.49B 13.44B 15.40B 14.21B 19.90B 19.37B 20.49B 0.0
ALLY debt 19.12B 20.87B 40.32B 17.03B 24.14B 39.56B 20.47B 21.61B 21.61B 74.33B 73.62B 78.01B 74.96B 100.56B 94.12B 0.0
ALLY shares 0.31B 0.31B 0.32B 0.36B 800.00B 0.39B 0.43B 0.45B 0.48B 0.48B 0.48B 0.42B 0.41B 0.00B 800.60B 529.39B
ALLY shares_calc 0.30B 0.30B 0.30B 0.35B 0.37B 0.38B 0.41B 0.42B 0.47B 0.48B 0.48B 0.42B 0.41B 0.41B 248185.07B 164111.52B
ALLY payables 0.89B 0.86B 0.41B 0.21B 0.41B 0.64B 0.52B 0.38B 0.38B 0.35B 0.48B 0.89B 0.93B 1.59B 1.83B 0.0
ALLY receivables 136.03B 139.44B 135.75B 122.27B 118.53B 128.23B 129.93B 122.89B 122.89B 110.55B 98.97B 99.12B 97.89B 113.25B 100.54B 0.0
ALLY roa_cfo 2.31% 2.38% 3.43% 0.0 24.11% 33.05% 18.70% 18.87% 2.88% 3.37% 2.25% 1.37% 2.74% 3.19% 0.0 0.0
ALLY roe_cfo 32.89% 35.44% 36.64% 0.0 32.35% 47.08% 29.95% 30.23% 33.98% 33.19% 23.95% 12.57% 26.06% 26.81% 0.0 0.0
ALLY roce_cfo 13.07% 8.57% 18.33% 0.0 8.64% 18.52% 11.51% 11.62% 5.20% 5.74% 3.69% 2.64% 4.21% 4.79% 0.0 0.0
ALLY roic_cfo 3.27% 3.37% 5.12% 0.0 3.65% 4.83% 3.30% 3.33% 4.14% 5.19% 3.46% 2.58% 4.52% 5.56% 11.76% inf
ALLY unearned_revenue_balancesheet 136.03B 139.44B 135.75B 122.27B 118.53B 128.23B 129.93B 122.89B 122.89B 0.0 0.0 0.0 0.0 0.0 0.0 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

2. Vertical Data, ratio wrt to shares_calc for ALLY [show/hide charts] Current Market Price: 31.63 as of 2025-04-18
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
ALLY StockMarketPrice
ALLY revenue 26.85 27.30 28.22 23.69 17.88 16.82 14.05 13.66 11.64 2.37 2.65 3.53 7.34 14.71
ALLY assets 629.56 651.10 642.32 525.67 487.26 50.90 45.76 51.22 46.30 329.18 315.55 359.78 441.95 446.09
ALLY cash 33.78 23.02 18.65 14.61 41.78 9.35 10.98 10.07 9.10 13.24 11.59 13.16 18.21 31.59
ALLY cashflow::operating 14.86 15.11 20.92 0.0 12.47 16.44 9.78 9.66 9.78 10.61 7.07 5.95 12.24 13.31
ALLY equity 45.63 45.64 43.06 49.21 39.33 37.93 32.12 31.97 28.90 27.90 32.00 33.82 48.23 46.95
ALLY debt 62.75 69.18 135.02 49.15 64.58 104.08 49.55 51.20 46.27 154.30 153.01 185.66 181.68 243.73
ALLY shares 1.02 1.01 1.07 1.05 0.00B 1.03 1.03 1.07 1.03 1.00 1.00 1.00 1.00 0.0
ALLY shares_calc 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
ALLY payables 2.92 2.84 1.37 0.61 1.10 1.69 1.27 0.89 0.80 0.73 0.99 2.11 2.26 3.85
ALLY receivables 446.42 462.28 454.54 352.92 317.06 337.39 314.53 291.16 263.15 229.47 205.69 235.91 237.24 274.48
ALLY unearned_revenue_balancesheet 446.42 462.28 454.54 352.92 317.06 337.39 314.53 291.16 263.15 0.0 0.0 0.0 0.0 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

3. Vertical Data, ratio wrt to revenue for ALLY [show/hide charts] Current Market Price: 31.63 as of 2025-04-18
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
ALLY StockMarketPrice
ALLY revenue 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
ALLY assets 2344.90% 2385.13% 2276.06% 2219.28% 2724.57% 302.53% 325.69% 375.02% 397.65% 13886.25% 11898.75% 10186.46% 6020.04% 3031.77% 2250.82% 0.0
ALLY cash 125.80% 84.35% 66.10% 61.69% 233.64% 55.60% 78.17% 73.76% 78.20% 558.67% 436.99% 372.71% 248.04% 214.71% 152.71% 0.0
ALLY cashflow::operating 55.35% 55.34% 74.12% 0.0 69.74% 97.70% 69.64% 70.75% 84.00% 447.55% 266.69% 168.53% 166.69% 90.48% 151.88% -82.75%
ALLY equity 169.94% 167.18% 152.57% 207.77% 219.91% 225.46% 228.60% 234.07% 248.19% 1176.80% 1206.82% 957.41% 656.92% 319.07% 268.11% 0.0
ALLY debt 233.71% 253.42% 478.43% 207.52% 361.08% 618.67% 352.67% 374.85% 397.46% 6509.19% 5769.59% 5256.74% 2474.78% 1656.48% 1231.61% 0.0
ALLY shares 3.79% 3.71% 3.78% 4.42% 11965.30% 6.15% 7.33% 7.87% 8.85% 42.28% 37.71% 28.31% 13.62% 0.02% 10476.28% 8535.83%
ALLY shares_calc 3.72% 3.66% 3.54% 4.22% 5.59% 5.94% 7.12% 7.32% 8.59% 42.18% 37.71% 28.31% 13.62% 6.80% 3247645.51% 2646106.42%
ALLY payables 10.88% 10.42% 4.84% 2.56% 6.16% 10.03% 9.01% 6.50% 6.90% 30.65% 37.38% 59.84% 30.77% 26.14% 23.93% 0.0
ALLY receivables 1662.76% 1693.45% 1610.68% 1489.98% 1772.87% 2005.49% 2238.56% 2131.71% 2260.31% 9680.04% 7756.35% 6679.25% 3231.59% 1865.46% 1315.62% 0.0
ALLY unearned_revenue_balancesheet 1662.76% 1693.45% 1610.68% 1489.98% 1772.87% 2005.49% 2238.56% 2131.71% 2260.31% 0.0 0.0 0.0 0.0 0.0 0.0 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

4. Vertical Data, ratio wrt to assets for ALLY [show/hide charts] Current Market Price: 31.63 as of 2025-04-18
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010
ALLY StockMarketPrice
ALLY revenue 4.26% 4.19% 4.39% 4.51% 3.67% 33.05% 30.70% 26.67% 25.15% 0.72% 0.84% 0.98% 1.66% 3.30% 4.44%
ALLY assets 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
ALLY cash 5.36% 3.54% 2.90% 2.78% 8.58% 18.38% 24.00% 19.67% 19.67% 4.02% 3.67% 3.66% 4.12% 7.08% 6.78%
ALLY cashflow::operating 2.36% 2.32% 3.26% 0.0 2.56% 32.29% 21.38% 18.87% 21.12% 3.22% 2.24% 1.65% 2.77% 2.98% 6.75%
ALLY equity 7.25% 7.01% 6.70% 9.36% 8.07% 74.52% 70.19% 62.41% 62.41% 8.47% 10.14% 9.40% 10.91% 10.52% 11.91%
ALLY debt 9.97% 10.63% 21.02% 9.35% 13.25% 204.50% 108.28% 99.95% 99.95% 46.88% 48.49% 51.61% 41.11% 54.64% 54.72%
ALLY shares 0.16% 0.16% 0.17% 0.20% 439.16% 2.03% 2.25% 2.10% 2.23% 0.30% 0.32% 0.28% 0.23% 0.0 465.44%
ALLY shares_calc 0.16% 0.15% 0.16% 0.19% 0.21% 1.96% 2.19% 1.95% 2.16% 0.30% 0.32% 0.28% 0.23% 0.22% 144286.93%
ALLY payables 0.46% 0.44% 0.21% 0.12% 0.23% 3.31% 2.77% 1.73% 1.73% 0.22% 0.31% 0.59% 0.51% 0.86% 1.06%
ALLY receivables 70.91% 71.00% 70.77% 67.14% 65.07% 662.90% 687.33% 568.42% 568.42% 69.71% 65.19% 65.57% 53.68% 61.53% 58.45%
ALLY unearned_revenue_balancesheet 70.91% 71.00% 70.77% 67.14% 65.07% 662.90% 687.33% 568.42% 568.42% 0.0 0.0 0.0 0.0 0.0 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)


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