Ally Financial

Valuation Analysis

About the Company

Ally Financial en bref

Ally Financial (ALLY) is currently trading at 37,66 € with a market capitalization of 11,5 Md €. The trailing P/E ratio stands at 10.2x, with a forward P/E of 6.73x. The 52-week range spans from 31,22 € to 41,10 €; the current price is 8.4% below the yearly high. Year-over-year revenue growth stands at +11.0%. The net profit margin stands at 18.41%.

💰 Dividende

Ally Financial pays an annual dividend of 1,04 € per share, representing a yield of 2.77%. The payout ratio stands at 28.24%.

📊 Avis des analystes

17 analystes évaluent Ally Financial (ALLY) au consensus : Acheter. L'objectif de cours moyen est de 46,82 €, soit un potentiel de +24.34% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 39,11 € à 50,40 €.

Ally Financial : la thèse d'investissement en détail

Ally Financial (ALLY) operates in the Financial Services — specifically Credit Services — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

Le scénario haussier

Revenue is growing at a healthy 11% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Wall Street consensus sits at Buy with an average price target implying roughly 24.34% upside from current levels — analyst sentiment is firmly constructive. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valorisation en contexte

With a PEG ratio of 0.47, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity.

Signal Smart Money

On the institutional side, Ally Financial appears in the disclosed holdings of Buffett. Smart-money managers track positioning, fundamentals and competitive dynamics with research budgets few retail investors can match — when several converge on the same name, it is rarely random. That doesn't mean blind copying makes sense, but it does raise the bar for the bear case.

À surveiller

• The forward P/E of 6.73x is meaningfully below the trailing 10.2x — analysts expect earnings to step up; the next earnings release is the test.
• The analyst consensus price target implies 24.34% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Thèse d'investissement : forces et faiblesses

Aperçu technique

Price shows short-term weakness (below 50d MA) but is still in a longer-term uptrend (above 200d MA).

Profil de risque

The data points to market-like volatility.

Trading Data

💵 Dividend Info

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