Ally Financial (ALLY)
Market Price (4/22/2026): $45.72 | Market Cap: $14.2 BilSector: Financials | Industry: Consumer Finance
Ally Financial (ALLY)
Market Price (4/22/2026): $45.72Market Cap: $14.2 BilSector: FinancialsIndustry: Consumer Finance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.7%, Dividend Yield is 2.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.6% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -56% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 43%, CFO LTM is 3.7 Bil Low stock price volatilityVol 12M is 30% Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 15% Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 8.4% Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, AI for Fraud Detection, Show more. | Trading close to highsDist 52W High is -2.2%, Dist 3Y High is -2.2% Weak multi-year price returns2Y Excs Rtn is -7.9% | Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -1.4%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.7% Not cash flow generativeFCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -6.2% Key risksALLY key risks include [1] substantial credit risk and potential asset quality deterioration stemming from its heavy concentration in consumer auto loans, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.7%, Dividend Yield is 2.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.6% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -56% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 43%, CFO LTM is 3.7 Bil |
| Low stock price volatilityVol 12M is 30% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 15% |
| Uninsured deposits are lowUninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 8.4% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, AI for Fraud Detection, Show more. |
| Trading close to highsDist 52W High is -2.2%, Dist 3Y High is -2.2% |
| Weak multi-year price returns2Y Excs Rtn is -7.9% |
| Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -1.4%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.7% |
| Not cash flow generativeFCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -6.2% |
| Key risksALLY key risks include [1] substantial credit risk and potential asset quality deterioration stemming from its heavy concentration in consumer auto loans, Show more. |
Qualitative Assessment
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Ally Financial (ALLY) stock has remained largely at the same level since 12/31/2025 because of the following key factors:
1. Mixed Analyst Sentiment and Price Target Adjustments.
Throughout early 2026, Ally Financial received a "Moderate Buy" consensus rating from analysts, but with a notable range in price targets and some downward revisions. For instance, while some analysts maintained "Buy" or "Overweight" ratings, others, such as JP Morgan and Evercore ISI Group, lowered their price targets in April 2026 to $46.00 and $46.00 (from $48.00 and $48.00, respectively), and in February 2026, Evercore ISI Group lowered its target to $51.00 (from $53.00), and Truist Securities lowered its target to $50.00 (from $51.00) in January 2026. The average twelve-month price target for Ally Financial was approximately $53.29, with a high of $70.00 and a low of $46.00, suggesting a balanced outlook rather than a strong consensus for significant upward movement prior to the Q1 earnings report. This divergence in analyst expectations likely contributed to the stock's relatively stable performance.
2. Balancing Macroeconomic Factors for the Financial Sector.
The broader macroeconomic environment presented both tailwinds and headwinds for Ally Financial, a key player in the financial services sector. On one hand, the anticipation of a steeper yield curve and potential Federal Reserve rate cuts in 2026 was generally viewed as beneficial for banks, supporting net interest income (NII) growth. Some reports also highlighted improving sentiment toward smaller banks, suggesting they were poised for a rebound. Conversely, concerns about overall consumer health and the potential for rising auto loan delinquencies were cited as macroeconomic risks. The banking sector also faced ongoing economic moderation, with a projected 2.1% GDP growth, and increasing competition from fintech companies. These opposing forces likely contributed to the stock's consolidation as investors weighed the various industry-wide impacts.
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1. Mixed Analyst Sentiment and Price Target Adjustments.
Throughout early 2026, Ally Financial received a "Moderate Buy" consensus rating from analysts, but with a notable range in price targets and some downward revisions. For instance, while some analysts maintained "Buy" or "Overweight" ratings, others, such as JP Morgan and Evercore ISI Group, lowered their price targets in April 2026 to $46.00 and $46.00 (from $48.00 and $48.00, respectively), and in February 2026, Evercore ISI Group lowered its target to $51.00 (from $53.00), and Truist Securities lowered its target to $50.00 (from $51.00) in January 2026. The average twelve-month price target for Ally Financial was approximately $53.29, with a high of $70.00 and a low of $46.00, suggesting a balanced outlook rather than a strong consensus for significant upward movement prior to the Q1 earnings report. This divergence in analyst expectations likely contributed to the stock's relatively stable performance.
2. Balancing Macroeconomic Factors for the Financial Sector.
The broader macroeconomic environment presented both tailwinds and headwinds for Ally Financial, a key player in the financial services sector. On one hand, the anticipation of a steeper yield curve and potential Federal Reserve rate cuts in 2026 was generally viewed as beneficial for banks, supporting net interest income (NII) growth. Some reports also highlighted improving sentiment toward smaller banks, suggesting they were poised for a rebound. Conversely, concerns about overall consumer health and the potential for rising auto loan delinquencies were cited as macroeconomic risks. The banking sector also faced ongoing economic moderation, with a projected 2.1% GDP growth, and increasing competition from fintech companies. These opposing forces likely contributed to the stock's consolidation as investors weighed the various industry-wide impacts.
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Stock Movement Drivers
Fundamental Drivers
The 1.7% change in ALLY stock from 12/31/2025 to 4/22/2026 was primarily driven by a 32.7% change in the company's Net Income Margin (%).| (LTM values as of) | 12312025 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 44.97 | 45.72 | 1.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 8,648 | 8,770 | 1.4% |
| Net Income Margin (%) | 7.3% | 9.7% | 32.7% |
| P/E Multiple | 22.0 | 16.7 | -24.4% |
| Shares Outstanding (Mil) | 310 | 311 | -0.1% |
| Cumulative Contribution | 1.7% |
Market Drivers
12/31/2025 to 4/22/2026| Return | Correlation | |
|---|---|---|
| ALLY | 1.7% | |
| Market (SPY) | -5.4% | 39.6% |
| Sector (XLF) | -4.7% | 69.3% |
Fundamental Drivers
The 18.4% change in ALLY stock from 9/30/2025 to 4/22/2026 was primarily driven by a 92.3% change in the company's Net Income Margin (%).| (LTM values as of) | 9302025 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 38.62 | 45.72 | 18.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 8,572 | 8,770 | 2.3% |
| Net Income Margin (%) | 5.1% | 9.7% | 92.3% |
| P/E Multiple | 27.6 | 16.7 | -39.7% |
| Shares Outstanding (Mil) | 310 | 311 | -0.3% |
| Cumulative Contribution | 18.4% |
Market Drivers
9/30/2025 to 4/22/2026| Return | Correlation | |
|---|---|---|
| ALLY | 18.4% | |
| Market (SPY) | -2.9% | 51.2% |
| Sector (XLF) | -2.7% | 72.9% |
Fundamental Drivers
The 29.4% change in ALLY stock from 3/31/2025 to 4/22/2026 was primarily driven by a 29.4% change in the company's Net Income Margin (%).| (LTM values as of) | 3312025 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 35.32 | 45.72 | 29.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 8,897 | 8,770 | -1.4% |
| Net Income Margin (%) | 7.5% | 9.7% | 29.4% |
| P/E Multiple | 16.3 | 16.7 | 2.6% |
| Shares Outstanding (Mil) | 308 | 311 | -1.0% |
| Cumulative Contribution | 29.4% |
Market Drivers
3/31/2025 to 4/22/2026| Return | Correlation | |
|---|---|---|
| ALLY | 29.4% | |
| Market (SPY) | 16.3% | 67.8% |
| Sector (XLF) | 5.9% | 74.7% |
Fundamental Drivers
The 99.2% change in ALLY stock from 3/31/2023 to 4/22/2026 was primarily driven by a 313.6% change in the company's P/E Multiple.| (LTM values as of) | 3312023 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 22.95 | 45.72 | 99.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 9,240 | 8,770 | -5.1% |
| Net Income Margin (%) | 18.5% | 9.7% | -47.6% |
| P/E Multiple | 4.0 | 16.7 | 313.6% |
| Shares Outstanding (Mil) | 301 | 311 | -3.1% |
| Cumulative Contribution | 99.2% |
Market Drivers
3/31/2023 to 4/22/2026| Return | Correlation | |
|---|---|---|
| ALLY | 99.2% | |
| Market (SPY) | 63.3% | 55.4% |
| Sector (XLF) | 69.6% | 65.4% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| ALLY Return | 36% | -47% | 49% | 6% | 30% | 2% | 51% |
| Peers Return | 43% | -26% | 25% | 51% | 39% | -8% | 157% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 3% | 88% |
Monthly Win Rates [3] | |||||||
| ALLY Win Rate | 67% | 42% | 58% | 58% | 58% | 25% | |
| Peers Win Rate | 65% | 43% | 57% | 67% | 67% | 30% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| ALLY Max Drawdown | -1% | -49% | -8% | -8% | -16% | -20% | |
| Peers Max Drawdown | -2% | -36% | -13% | -4% | -18% | -19% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: COF, JPM, WFC, SYF, GM. See ALLY Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/22/2026 (YTD)
How Low Can It Go
| Event | ALLY | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -60.3% | -25.4% |
| % Gain to Breakeven | 151.9% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -64.6% | -33.9% |
| % Gain to Breakeven | 182.6% | 51.3% |
| Time to Breakeven | 264 days | 148 days |
| 2018 Correction | ||
| % Loss | -32.7% | -19.8% |
| % Gain to Breakeven | 48.6% | 24.7% |
| Time to Breakeven | 186 days | 120 days |
Compare to COF, JPM, WFC, SYF, GM
In The Past
Ally Financial's stock fell -60.3% during the 2022 Inflation Shock from a high on 6/1/2021. A -60.3% loss requires a 151.9% gain to breakeven.
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About Ally Financial (ALLY)
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment 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. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides 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.
AI Analysis | Feedback
Here are 1-3 brief analogies for Ally Financial:
- Ally Financial is like **Capital One** for auto loans and mortgages, but entirely **digital**.
- Ally Financial is like **Discover Bank** for auto loans, mortgages, and commercial financing.
AI Analysis | Feedback
- Automotive Financing: Provides loans, leases, and other financing options for consumer vehicle purchases, along with various credit solutions for automotive dealers and fleets.
- Automotive Insurance Products: Offers consumer protection plans like vehicle service contracts and guaranteed asset protection, as well as commercial insurance for dealers' vehicle inventory.
- Mortgage Lending: Manages a consumer mortgage loan portfolio, encompassing both direct-to-consumer offerings and bulk purchases of mortgage loans from third parties.
- Corporate & Commercial Lending: Delivers senior secured leveraged cash flow and asset-based loans to middle market companies, alongside commercial real estate financing primarily for the healthcare industry.
- Commercial Banking Services: Provides general banking products and services tailored for commercial customers.
- Investment & Advisory Services: Offers securities brokerage and investment advisory services to its customers.
AI Analysis | Feedback
Ally Financial primarily serves individual consumers across various financial needs. Its major customer categories include:
- Automotive Consumers: Individuals seeking financing for vehicle purchases through retail installment sales contracts, loans, or operating leases. This category also includes customers who purchase consumer finance protection and insurance products like vehicle service and maintenance contracts, and guaranteed asset protection (GAP) products, typically acquired through automotive dealers.
- Residential Mortgage Borrowers: Individuals looking for mortgage loans to purchase or refinance homes. This includes a range of offerings such as jumbo mortgages, low-to-moderate income mortgage loans, and direct-to-consumer mortgage products.
- General Banking and Investment Clients: Individuals utilizing Ally's broader commercial banking products and services, as well as those seeking securities brokerage and investment advisory services for their personal financial management.
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Michael Rhodes, Chief Executive Officer
Michael Rhodes was appointed Chief Executive Officer of Ally Financial in April 2024. He also serves on the company's board of directors. With over 30 years of experience in banking, Rhodes previously served as CEO and President of Discover Financial Services and President of Discover Bank. His extensive career includes senior leadership positions at TD Bank Group, where he led Canadian Personal Banking, North American Credit Card and Merchant Services, and Innovation, Technology & Shared Services. He also held senior roles at Bank of America and MBNA American Bank. Notably, Rhodes has managed businesses across North America, the United Kingdom, Spain, and Ireland, and was CEO of a portfolio company backed by the private equity firm GTCR.
Russell Hutchinson, Chief Financial Officer
Russell Hutchinson was appointed Chief Financial Officer of Ally Financial in July 2023. In this role, he oversees finance, accounting, capital markets, treasury, investor relations, supply chain, and modeling and analytics functions. Prior to joining Ally, Hutchinson spent over two decades at Goldman Sachs Group Inc., where he most recently served as Chief Operating Officer for global mergers and acquisitions, and previously as Chief Strategy Officer. He also spent two decades in Goldman's Investment Banking Division, providing advisory services to financial services clients, including Ally. Hutchinson began his career as an associate consultant at the Boston Consulting Group.
Stephanie Richard, Chief Risk Officer
Stephanie Richard was appointed Chief Risk Officer in November 2024. She is responsible for the execution of Ally's independent risk management. Richard has nearly 27 years of experience at Ally, having held various roles of increasing responsibility within finance, treasury, and risk management functions, including chief audit executive and deputy chief risk officer.
Sathish Muthukrishnan, Chief Information, Data and Digital Officer
Sathish Muthukrishnan serves as Ally Financial's Chief Information, Data and Digital Officer. In this role, he is responsible for driving the company's information, data, and digital strategies. (Background details beyond title are not readily available in the provided search results.)
Andrea Brimmer, Chief Marketing and Public Relations Officer
Andrea Brimmer is the Chief Marketing and Public Relations Officer at Ally Financial. (Background details beyond title are not readily available in the provided search results.)
AI Analysis | Feedback
The key risks to Ally Financial (ALLY) primarily stem from its significant concentration in the automotive finance sector and the inherent sensitivities of a diversified financial services company to economic and regulatory factors.
- Credit Quality Deterioration in Automotive Finance Operations: Ally Financial has a heavy concentration in consumer auto loans and dealer financing, with automotive finance operations representing a substantial portion of its loan portfolio. This exposes the company to significant sector-specific risks. A deterioration in economic conditions, such as rising unemployment or a decline in consumer creditworthiness, can lead to increased loan defaults, delinquencies, and charge-offs in its auto loan and lease portfolios, directly impacting its profitability and capital levels. Declining used vehicle values could also exacerbate losses on repossessed vehicles or lease portfolios.
- Sensitivity to Macroeconomic Conditions and Interest Rate Fluctuations: As a digital financial services company with extensive lending operations across automotive, mortgage, and corporate finance segments, Ally Financial is highly vulnerable to broader macroeconomic conditions and changes in interest rates. Economic uncertainties, including recessions or market disruptions, can adversely affect demand for its financial products and the ability of its borrowers to repay loans. Furthermore, fluctuations in interest rates can impact Ally's funding costs and net interest margin, which is a critical measure of profitability for financial institutions.
- Intense Competition and Regulatory Scrutiny: Ally Financial operates in highly competitive markets for financial services and auto finance, facing significant rivalry from traditional banks, fintech companies, credit unions, and captive finance companies associated with auto manufacturers. This intense competition can pressure loan yields, reduce market share, and impact profitability. Additionally, as a regulated financial institution, Ally is subject to a complex and evolving regulatory landscape. Changes in banking, consumer protection, or automotive finance regulations, as well as increased regulatory scrutiny, could lead to higher compliance costs, operational restrictions, or potential penalties.
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The emerging adoption of vehicle subscription services and other "mobility-as-a-service" models represents a clear emerging threat to Ally Financial's Automotive Finance Operations. These models shift consumer behavior from vehicle ownership, which typically requires retail installment sales contracts, loans, or leases, to a subscription-based access model. As these services gain traction and become more widespread, they could significantly reduce the demand for traditional automotive financing products, thereby directly impacting a core segment of Ally's business. This parallels historical disruptions where access or service models replaced traditional ownership or purchase models, such as Netflix displacing Blockbuster's physical rental model.
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Ally Financial Inc. operates in several key financial services markets, primarily in the United States and Canada. The estimated addressable market sizes for their main products and services are as follows:
Automotive Finance Operations
- U.S. Automotive Finance Market: The U.S. automotive finance market generated a revenue of approximately USD 67.66 billion in 2024 and is projected to reach about USD 96.84 billion by 2030. Another estimate for the US Auto Loan Market size is USD 676.20 billion in 2025, expected to reach USD 899.17 billion by 2031. Separately, the US Car Finance & Auto Leasing Market was valued at USD 185 billion, based on a five-year historical analysis (as of October 2025). The United States Car Loan Market size is estimated at USD 175.86 billion in 2024 and is expected to reach USD 219.80 billion by 2029.
- Canada Automotive Finance Market: The Canadian auto finance market reached a valuation of CAD 145 billion in outstanding auto loans as of 2023. The Canada automotive finance market generated a revenue of approximately USD 15,410.0 million in 2024 and is expected to reach USD 24,470.0 million by 2030. The Canada Car Finance & Leasing Platforms Market is valued at USD 25 billion (based on a five-year historical analysis, as of September 2025).
Insurance Operations
- U.S. Vehicle Service Contracts (VSCs) / Extended Warranty Market: U.S. consumers spent an estimated USD 35 billion on VSCs in 2018. The U.S. auto extended warranty market size was valued at USD 18.36 billion in 2020 and is projected to reach USD 24.48 billion by 2030. More broadly, the United States extended warranty market size was valued at USD 53.01 billion in 2025 and is projected to reach USD 117.02 billion by 2034.
- U.S. Guaranteed Asset Protection (GAP) Insurance Market: The Guaranteed Auto Protection Insurance Market size was valued at USD 3.9 billion in 2023 and is anticipated to grow to USD 7.5 billion by 2032. Another source indicates the GAP Insurance Market Size was valued at USD 4.24 billion in 2024 and is projected to reach USD 10.49 billion by 2032. The guaranteed auto protection gap insurance market is projected to grow from USD 4.5 billion in 2025 to USD 8.8 billion by 2035.
Mortgage Finance Operations
- U.S. Consumer Mortgage Loan Market: The U.S. home mortgage market size was approximately USD 180.91 billion in 2023 and is predicted to grow to about USD 501.67 billion by 2032. Total single-family mortgage origination volume in the U.S. is expected to increase to USD 2.2 trillion in 2026 from an estimated USD 2.0 trillion in 2025. Americans collectively owe USD 13.07 trillion on mortgages.
- U.S. Jumbo Mortgage Market: Approximately USD 270.83 billion of jumbo mortgages were originated in the U.S. in 2024. The jumbo loan origination volume was USD 497 billion in 2022, a decline from USD 753 billion in 2021. Jumbo production in 2022 fell to USD 377.9 billion.
Corporate Finance Operations
- U.S. Asset-Based Lending (ABL) Market: The market for asset-based lending in North America is projected to increase from USD 698 billion to USD 787 billion by the end of 2024. The global asset-based lending market size was valued at USD 834.49 billion in 2025 and is projected to reach USD 2370.49 billion by 2034. The U.S. asset-based lending market is projected to grow at a CAGR of 9.4% during 2025-2035. The asset-based lending market size in the U.S. is expected to grow from US$ 740.24 billion in 2023 to US$ 1,901.66 billion by 2031.
- U.S. Commercial Real Estate Product (Healthcare Industry): null
Other Products and Services
- U.S. Commercial Banking Market: The U.S. commercial banking market size is estimated at USD 732.5 billion in 2025 and is forecasted to reach USD 915.45 billion by 2030. Other estimates for the U.S. commercial banking market size include USD 231.9 billion in 2024, expected to reach USD 351.8 billion by 2033, and USD 229 billion in 2023, slated to hit USD 339 billion by the end of 2032.
- U.S. Securities Brokerage Market: The U.S. Securities Brokerage Market was valued at USD 201.07 billion in 2024 and is expected to reach USD 252.58 billion by 2030. Another source reported the market size of Securities Brokering in the U.S. at USD 188.2 billion in 2023. The United States Securities Brokerage Market Size was valued at USD 188.9 billion in 2023 and is expected to reach USD 280.5 billion by 2033.
- U.S. Investment Advisory Services Market: The market size of Portfolio Management & Investment Advice in the U.S. was USD 591.2 billion in 2024 and is estimated at USD 603.0 billion in 2025. The USA Financial Advisory Market size in terms of assets under management is expected to grow from USD 90.54 trillion in 2025 to USD 101.74 trillion by 2030. Assets under management for investment advisers in the U.S. reached USD 144.6 trillion in 2024. Other estimates for the financial advisory market size are USD 209.82 billion in 2024, projected to USD 219.48 billion in 2025, and USD 219.48 billion in 2025, growing to USD 229.17 billion in 2026.
AI Analysis | Feedback
Ally Financial (NYSE: ALLY) is expected to drive future revenue growth over the next 2-3 years through several key strategies: * Net Interest Margin (NIM) Expansion: Ally is focused on expanding its net interest margin, with management anticipating reaching the high 3% range by the end of 2026. This expansion is expected to be driven by disciplined deposit pricing, ongoing optimization of the balance sheet towards higher-yielding assets, and the anticipated easing of interest rates by the Federal Reserve. * Growth in Core Automotive Finance Operations: The company plans to grow its loan portfolio, with average earning assets projected to increase by 2-4% in 2026 and mid-single-digits over the medium term. This growth is underpinned by strong dealer relationships, increased application volumes, and the selective origination of retail auto loans at attractive yields. * Expansion of Corporate Finance Operations: Ally's Corporate Finance segment is a strong performer, consistently delivering robust returns with a focus on senior secured leveraged cash flow and asset-based loans to middle-market companies. The company expects continued growth in this segment, building on its strong performance and high return on equity. * Digital Bank Growth and Deposit Acquisition: Ally's all-digital bank continues to be a source of strength, demonstrating consistent customer acquisition and retention. The growth in deposits strengthens the company's funding base and provides a stable, capital-efficient foundation for lending activities across its various segments. * Diversified Insurance Offerings: Ally's Insurance Operations segment is anticipated to contribute to additional revenue growth. This segment provides consumer finance protection and commercial insurance products, acting as a durable and capital-efficient revenue stream that is less sensitive to consumer credit cycles.AI Analysis | Feedback
Share Repurchases
- Ally Financial's board of directors authorized a new multi-year share repurchase program of up to $2.0 billion on December 10, 2025, with no set expiration date.
- The company may begin repurchasing shares under this program in the fourth quarter of 2025.
- Ally resumed share repurchases in the fourth quarter of 2025.
Share Issuance
- Ally Financial's shares outstanding increased slightly in recent years, reaching 0.314 billion for the quarter ending December 31, 2025, a 1.32% increase year-over-year.
- Shares outstanding were 0.313 billion in 2025, a 0.93% increase from 2024, and 0.310 billion in 2024, a 1.65% increase from 2023.
- No significant large-scale share issuances in terms of dollar amount were identified over the last 3-5 years.
Outbound Investments
- In December 2021, Ally acquired Fair Square Financial, a credit card company, for $750 million.
- Ally sold its point-of-sale (POS) financing business, Ally Lending, to Synchrony in March 2024.
- In April 2025, Ally sold its credit card business (Fair Square Financial) to CardWorks; this sale included $2.3 billion in credit card receivables.
Capital Expenditures
- Ally Financial's capital expenditures were $5.12 billion in December 2021.
- Capital expenditures decreased to $3.532 billion in 2022 and further to $2.759 billion in 2023.
- Capital expenditures increased to $3.46 billion in 2024. The company emphasizes investing in its core franchises and leveraging technology for customer-centric products.
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| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 3.1% | 3.1% | 0.0% |
| 03202026 | MKTX | MarketAxess | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -5.2% | -5.2% | -5.7% |
| 03202026 | RYAN | Ryan Specialty | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | -2.7% | -2.7% | -8.5% |
| 01302026 | ALLY | Ally Financial | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | -6.6% | -6.6% | -14.3% |
| 01312025 | ALLY | Ally Financial | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | -3.3% | 11.2% | -22.8% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 79.66 |
| Mkt Cap | 99.4 |
| Rev LTM | 68,440 |
| Op Inc LTM | 2,909 |
| FCF LTM | 612 |
| FCF 3Y Avg | 4,452 |
| CFO LTM | 6,790 |
| CFO 3Y Avg | 8,781 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 0.4% |
| Rev Chg 3Y Avg | 7.4% |
| Rev Chg Q | 5.0% |
| QoQ Delta Rev Chg LTM | 1.3% |
| Op Inc Chg LTM | -77.2% |
| Op Inc Chg 3Y Avg | -16.5% |
| Op Mgn LTM | 1.6% |
| Op Mgn 3Y Avg | 4.6% |
| QoQ Delta Op Mgn LTM | -2.7% |
| CFO/Rev LTM | 28.5% |
| CFO/Rev 3Y Avg | 30.2% |
| FCF/Rev LTM | -2.6% |
| FCF/Rev 3Y Avg | 9.2% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 99.4 |
| P/S | 2.1 |
| P/Op Inc | 25.0 |
| P/EBIT | 19.0 |
| P/E | 15.8 |
| P/CFO | 2.8 |
| Total Yield | 7.7% |
| Dividend Yield | 1.4% |
| FCF Yield 3Y Avg | 6.7% |
| D/E | 0.7 |
| Net D/E | -0.2 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 8.4% |
| 3M Rtn | -0.0% |
| 6M Rtn | 8.0% |
| 12M Rtn | 42.8% |
| 3Y Rtn | 127.7% |
| 1M Excs Rtn | -0.1% |
| 3M Excs Rtn | -3.8% |
| 6M Excs Rtn | 1.1% |
| 12M Excs Rtn | 9.7% |
| 3Y Excs Rtn | 51.0% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Automotive Finance operations | 5,834 | 5,838 | 5,530 | 5,460 | 4,488 |
| Insurance operations | 1,621 | 1,532 | 1,112 | 1,404 | 1,376 |
| Corporate Finance operations | 579 | 534 | 456 | 436 | 344 |
| Corporate and Other | 147 | 330 | 1,082 | 688 | 258 |
| Mortgage Finance operations | 248 | 218 | 220 | ||
| Total | 8,181 | 8,234 | 8,428 | 8,206 | 6,686 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Automotive Finance operations | 113,057 | 115,301 | 111,463 | 103,653 | 104,794 |
| Corporate and Other | 59,750 | 60,735 | 41,631 | 43,283 | 47,237 |
| Corporate Finance operations | 9,704 | 11,212 | 10,544 | 7,950 | 6,108 |
| Insurance operations | 9,325 | 9,081 | 8,659 | 9,381 | 9,137 |
| Mortgage Finance operations | 19,529 | 17,847 | 14,889 | ||
| Total | 191,836 | 196,329 | 191,826 | 182,114 | 182,165 |
Price Behavior
Price Behavior
| Market Price | $45.72 | |
| Market Cap ($ Bil) | 14.2 | |
| First Trading Date | 01/28/2014 | |
| Distance from 52W High | -2.2% | |
| 50 Days | 200 Days | |
| DMA Price | $40.33 | $40.57 |
| DMA Trend | up | down |
| Distance from DMA | 13.4% | 12.7% |
| 3M | 1YR | |
| Volatility | 35.2% | 30.0% |
| Downside Capture | 0.19 | 0.47 |
| Upside Capture | 137.53 | 124.48 |
| Correlation (SPY) | 30.2% | 55.4% |
ALLY Betas & Captures as of 3/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.61 | 0.93 | 0.93 | 1.24 | 1.20 | 1.27 |
| Up Beta | -1.10 | -0.21 | 0.54 | 0.83 | 1.13 | 1.23 |
| Down Beta | -0.38 | 0.16 | 0.45 | 1.32 | 1.27 | 1.23 |
| Up Capture | 173% | 150% | 105% | 144% | 124% | 224% |
| Bmk +ve Days | 7 | 16 | 27 | 65 | 139 | 424 |
| Stock +ve Days | 12 | 22 | 30 | 67 | 130 | 396 |
| Down Capture | 80% | 131% | 136% | 121% | 116% | 107% |
| Bmk -ve Days | 12 | 23 | 33 | 58 | 110 | 323 |
| Stock -ve Days | 10 | 20 | 33 | 58 | 118 | 350 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ALLY | |
|---|---|---|---|---|
| ALLY | 57.2% | 30.3% | 1.50 | - |
| Sector ETF (XLF) | 15.6% | 15.1% | 0.76 | 72.3% |
| Equity (SPY) | 26.7% | 12.5% | 1.77 | 59.5% |
| Gold (GLD) | 38.9% | 27.4% | 1.19 | -6.6% |
| Commodities (DBC) | 23.5% | 16.2% | 1.32 | 5.1% |
| Real Estate (VNQ) | 15.6% | 13.6% | 0.82 | 42.7% |
| Bitcoin (BTCUSD) | -12.8% | 42.6% | -0.21 | 27.8% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ALLY | |
|---|---|---|---|---|
| ALLY | 2.4% | 38.4% | 0.16 | - |
| Sector ETF (XLF) | 10.0% | 18.7% | 0.42 | 70.9% |
| Equity (SPY) | 10.5% | 17.1% | 0.48 | 62.0% |
| Gold (GLD) | 21.5% | 17.8% | 0.99 | 3.4% |
| Commodities (DBC) | 10.7% | 18.8% | 0.47 | 20.1% |
| Real Estate (VNQ) | 3.6% | 18.8% | 0.09 | 52.0% |
| Bitcoin (BTCUSD) | 3.8% | 56.4% | 0.29 | 25.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ALLY | |
|---|---|---|---|---|
| ALLY | 12.9% | 39.5% | 0.44 | - |
| Sector ETF (XLF) | 12.9% | 22.2% | 0.53 | 74.2% |
| Equity (SPY) | 13.8% | 17.9% | 0.66 | 63.9% |
| Gold (GLD) | 13.9% | 15.9% | 0.73 | -0.2% |
| Commodities (DBC) | 8.1% | 17.6% | 0.38 | 26.7% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.23 | 55.7% |
| Bitcoin (BTCUSD) | 68.1% | 66.9% | 1.07 | 18.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/17/2026 | 8.1% | ||
| 1/21/2026 | 0.0% | 1.1% | -0.5% |
| 10/17/2025 | 3.6% | 6.7% | 3.0% |
| 7/18/2025 | -0.9% | -4.6% | -2.7% |
| 4/17/2025 | -1.7% | 3.1% | 13.0% |
| 1/22/2025 | 3.9% | 2.3% | 2.7% |
| 10/18/2024 | -2.3% | -3.8% | 1.9% |
| 7/17/2024 | -2.3% | -4.9% | -7.0% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 14 | 11 | 16 |
| # Negative | 11 | 13 | 8 |
| Median Positive | 3.7% | 3.5% | 8.5% |
| Median Negative | -3.6% | -4.6% | -4.1% |
| Max Positive | 20.0% | 23.3% | 19.7% |
| Max Negative | -7.9% | -15.2% | -12.6% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 02/25/2026 | 10-K |
| 09/30/2025 | 10/30/2025 | 10-Q |
| 06/30/2025 | 08/04/2025 | 10-Q |
| 03/31/2025 | 05/05/2025 | 10-Q |
| 12/31/2024 | 02/19/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/05/2024 | 10-Q |
| 03/31/2024 | 05/06/2024 | 10-Q |
| 12/31/2023 | 02/20/2024 | 10-K |
| 09/30/2023 | 10/31/2023 | 10-Q |
| 06/30/2023 | 08/01/2023 | 10-Q |
| 03/31/2023 | 05/02/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 11/02/2022 | 10-Q |
| 06/30/2022 | 08/01/2022 | 10-Q |
| 03/31/2022 | 05/02/2022 | 10-Q |
Recent Forward Guidance [BETA]
Latest: Q1 2026 Earnings Reported 4/17/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q2 2026 Dividends | 0.3 | 0 | 0 | Same New | Actual: 0.3 for Q1 2026 | ||
Prior: Q4 2025 Earnings Reported 1/21/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q1 2026 Dividends | 0.3 | 0.0% | Same New | Actual: 0.3 for Q4 2025 | |||
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.