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


10

Total Checks Done


21

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
  • interestRate average for last 3 years
  • insight: ['0.3 is NOT less than equal to 0.05']
  • mental_model: We prefer lower interest rate than the current prevailing interest rates, we want long term debt profile too

Business Durability beta

🏰 Quality companies with moats show higher or stable trends, long term trends matters, Consistency is the Key
Score 5.0 / 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

Business Trends last 3 years beta

Score 0.0 / 10.0

  • 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 5.0 / 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
  • interestRate average for last 3 years
  • insight: ['0.3 is NOT less than equal to 0.05']
  • mental_model: We prefer lower interest rate than the current prevailing interest rates, we want long term debt profile too

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 SPECIAL_REPORT 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 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 owner_earnings 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 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 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 marketcap 10.89B 10.13B 6.73B 14.69B 11.65B 9.82B 7.74B 9.97B 7.07B 7.08B 8.96B 0.0 0.0 0.0 0.0 0.0
ALLY ev 19.72B 24.06B 41.48B 26.66B 20.17B 45.83B 23.67B 27.33B 24.43B 75.04B 77.01B 0.0 0.0 0.0 0.0 0.0
ALLY ebitda 2.55B 2.80B 3.67B 5.12B 1.44B 1.97B 1.62B 3.73B 5.09B 6.20B 6.49B 0.0 0.0 0.0 0.0 0.0
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 interestRate 0.39 0.33 0.17 0.36 0.19 0.12 0.21 0.20 0.18 0.05 0.05 0.04 0.07 0.06 0.07 inf
ALLY owner_earningsToInterest 0.61 0.66 0.91 0.0 0.99 1.35 0.92 0.97 1.17 1.37 1.01 0.73 0.95 0.88 1.74 -0.68
ALLY cashflow::operatingToInterest 0.61 0.66 0.91 0.0 0.99 1.35 0.92 0.97 1.17 1.37 1.01 0.73 0.95 0.88 1.74 -0.68
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 depreciation 1.20B 1.25B 1.33B 1.26B 0.0 0.0 0.0 1.86B 2.38B 2.80B 2.94B 2.86B 2.38B 2.71B 4.15B 0.0
ALLY inventoryTurnover inf inf inf inf inf inf inf inf inf inf inf inf inf inf inf inf
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 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 owner_earnings 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 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 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 marketcap 35.74 33.60 22.52 42.40 31.17 25.85 18.74 23.62 15.14 14.70 18.63 0.0 0.0 0.0
ALLY ev 64.71 79.76 138.88 76.94 53.96 120.58 57.31 64.74 52.31 155.76 160.05 0.0 0.0 0.0
ALLY ebitda 8.38 9.27 12.29 14.77 3.84 5.18 3.93 8.83 10.91 12.87 13.50 0.0 0.0 0.0
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 depreciation 3.93 4.13 4.44 3.64 0.0 0.0 0.0 4.40 5.10 5.81 6.10 6.82 5.77 6.58
ALLY inventoryTurnover 0.33 0.33 0.33 0.29 0.27 0.26 0.24 0.24 0.21 0.21 0.21 0.24 0.24 0.24
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 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 owner_earnings 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 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 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 marketcap 133.12% 123.08% 79.80% 179.01% 174.29% 153.66% 133.38% 172.93% 130.04% 620.12% 702.50% 0.0 0.0 0.0 0.0 0.0
ALLY ev 241.03% 292.16% 492.13% 324.84% 301.74% 716.73% 407.88% 474.03% 449.30% 6570.64% 6035.10% 0.0 0.0 0.0 0.0 0.0
ALLY ebitda 31.22% 33.97% 43.53% 62.34% 21.46% 30.76% 27.95% 64.63% 93.67% 542.82% 508.93% 0.0 0.0 0.0 0.0 0.0
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 depreciation 14.66% 15.14% 15.75% 15.37% 0.0 0.0 0.0 32.25% 43.81% 245.27% 230.09% 192.99% 78.61% 44.69% 54.25% 0.0
ALLY inventoryTurnover 1.22% 1.21% 1.19% 1.22% 1.50% 1.56% 1.72% 1.73% 1.84% 8.76% 7.84% 6.74% 3.30% 1.65% 1.31% 1.61%
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...