ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Ally Financial, Inc. ?
1
High Profitability with a Net Interest Margin of 3.74%
2
Positive results in Jun 25
- NII(Q) Highest at USD 1,732 MM
- PRE-TAX PROFIT(Q) Highest at USD 436 MM
3
With ROA of 0.47%, it has a expensive valuation with a 1.18 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 19.26%, its profits have fallen by -5%
4
Market Beating performance in long term as well as near term
- Along with generating 19.26% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Ally Financial, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Ally Financial, Inc. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Ally Financial, Inc.
14.68%
0.54
34.58%
S&P 500
20.6%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.98%
EBIT Growth (5y)
-1.26%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
50.63%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
1.13
EV to EBIT
155.29
EV to EBITDA
17.74
EV to Capital Employed
1.10
EV to Sales
1.71
PEG Ratio
1.43
Dividend Yield
2.10%
ROCE (Latest)
0.71%
ROE (Latest)
7.47%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at USD 1,953 MM
ROCE(HY)
Highest at 0.75%
CREDIT DEPOSIT RATIO(HY)
Highest at 93.27%
NET SALES(Q)
Highest at USD 3,465 MM
OPERATING PROFIT(Q)
Highest at USD 463 MM
PRE-TAX PROFIT(Q)
Highest at USD 539 MM
NET PROFIT(Q)
Highest at USD 411.53 MM
-3What is not working for the Company
ROCE(HY)
Lowest at 0.75%
Here's what is working for Ally Financial, Inc.
NII
Highest at USD 1,953 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 3,465 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 463 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 539 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 411.53 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Credit Deposit Ratio
Highest at 93.27%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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