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%
[Bottom of Page]

We have 3 report results for ticker: ALLY - Ally Financial Inc., also organized by 3 group tags below ... Bargain Finder: Related Companies Portfolio Health: Related Companies

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

Want to see more such checks or Customize your checks, check out our plans

Red Flags Identified


5

Total Checks Done


10

Wall Street Drivers beta

📊 Professional Investors(wallstreet) pay a lot of heed at these numbers, long term history matters - specially 9+ year trends
Score 5.0 / 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%
  • operating profits cagr for last 9 years
  • insight: ['-7.32 is NOT greater than equal to 5']
  • mental_model: We prefer growing Business which generate operating profits >= 5% YoY
  • 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
  • net profits cagr for last 9 years
  • insight: ['3.51 is NOT greater than equal to 5']
  • mental_model: We prefer growing Business which generate net profits >= 5% YoY

Business Durability beta

🏰 Quality companies with moats show higher or stable trends, long term trends matters, Consistency is the Key
Score 0.0 / 10.0

  • margin operating running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.21 wrt mean ratio: 0.714']
  • margin net running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.14 wrt mean ratio: 0.27']

Profits Matter beta

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

  • positive operating profits average for last 3 years
  • insight: ['1749000000.0 is greater than equal to 0']
  • mental_model: We want to see positive operating profits for last 3 years, Profits determine Stock prices in the long term
  • positive net profits average for last 3 years
  • insight: ['1134000000.0 is greater than equal to 0']
  • mental_model: We want to see positive net profits for last 3 years, GAAP net Profits determine Stock prices in the long term

Business Performance beta

Score 0.0 / 10.0

  • Operating Leverage cagr for last 9 years
  • insight: ['Ratio is [-0.32] for last 9 year ratio, threshold 0.9, value_1: -7.32, value_2: 22.92']

Taxes, Interest and Unearned beta

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

  • interest_income running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 1.56 wrt mean ratio: 2.243']

Want to see What Wall Street looks at for Quality companies? We are building a special AI based SecDiver scoring system
 Sign up for FREE

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

1. Showing INCOME_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 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 netincome 0.67B 1.02B 1.71B 3.06B 1.08B 1.72B 1.26B 0.93B 1.07B 1.29B 1.15B 0.36B 1.20B -691.00 1.07B -0.00B
ALLY operatingincome 1.35B 1.55B 2.34B 3.85B 1.44B 1.97B 1.62B 1.87B 2.71B 3.40B 3.56B 3.21B 2.38B 2.30B 3.60B 5.43B
ALLY grossincome 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 interest_income 14.22B 13.96B 10.62B 8.65B 8.80B 9.86B 9.05B 8.32B 8.30B 8.40B 8.39B 8.09B 7.47B 9.74B 11.18B 12.77B
ALLY interest_expense 7.47B 6.90B 6.85B 6.17B 4.70B 4.63B 4.39B 4.22B 3.91B 3.72B 3.38B 3.40B 5.32B 6.22B 6.67B 7.51B
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 margin_gross 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 margin_op 16.56% 18.82% 27.79% 46.98% 21.46% 30.76% 27.95% 32.39% 49.86% 297.55% 278.84% 216.24% 78.54% 37.85% 47.06% 87.63%
ALLY margin_net 8.17% 12.39% 20.34% 37.29% 16.23% 26.82% 21.76% 16.11% 19.62% 112.87% 90.13% 24.33% 39.48% 0.0 14.07% 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 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 netincome 2.19 3.38 5.74 8.83 2.90 4.51 3.06 2.20 2.28 2.68 2.39 0.86 2.90 0.0
ALLY operatingincome 4.45 5.14 7.84 11.13 3.84 5.18 3.93 4.42 5.81 7.05 7.39 7.64 5.77 5.57
ALLY grossincome 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 interest_income 46.67 46.28 35.56 24.97 23.53 25.93 21.91 19.72 17.78 17.43 17.44 19.26 18.10 23.60
ALLY interest_expense 24.52 22.87 22.94 17.80 12.58 12.19 10.63 10.00 8.37 7.72 7.01 8.10 12.90 15.08
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
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 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 netincome 8.17% 12.39% 20.34% 37.29% 16.23% 26.82% 21.76% 16.11% 19.62% 112.87% 90.13% 24.33% 39.48% 0.0 14.07% 0.0
ALLY operatingincome 16.56% 18.82% 27.79% 46.98% 21.46% 30.76% 27.95% 32.39% 49.86% 297.55% 278.84% 216.24% 78.54% 37.85% 47.06% 87.63%
ALLY grossincome 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 interest_income 173.84% 169.52% 126.02% 105.42% 131.57% 154.16% 155.96% 144.35% 152.75% 735.29% 657.60% 545.35% 246.55% 160.37% 146.34% 205.93%
ALLY interest_expense 91.33% 83.76% 81.28% 75.15% 70.34% 72.46% 75.64% 73.22% 71.86% 325.66% 264.50% 229.45% 175.77% 102.50% 87.23% 121.06%
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%
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)


Want to explore further, try these wonderful companies below or Use Search to find your favorite company or Check out our list of curated stocks here: Curated Stock List(new)

Join the 1,000+ Sleep Well Investors friends simplifying their investing decisions with SecDiver.com and SleepWellInvesting 🛌

*No account required, We promise to be respectful of your time and never spam you...