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 9.22%, its profits have fallen by -5%
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.
9.22%
0.29
34.17%
S&P 500
13.22%
0.65
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.87%
EBIT Growth (5y)
1.71%
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
66.70%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.18
EV to EBIT
-59.38
EV to EBITDA
29.37
EV to Capital Employed
1.13
EV to Sales
1.52
PEG Ratio
NA
Dividend Yield
162.52%
ROCE (Latest)
-1.91%
ROE (Latest)
6.73%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
NII(Q)
Highest at USD 1,732 MM
PRE-TAX PROFIT(Q)
Highest at USD 436 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 3,191 MM
NET SALES(Q)
Lowest at USD 3,325 MM
Here's what is working for Ally Financial, Inc.
NII
Highest at USD 1,732 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Pre-Tax Profit
Highest at USD 436 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 436 MM has Grown at 69.65%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
CASA
Highest at 11.38%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Ally Financial, Inc.
Operating Cash Flow
Lowest at USD 3,191 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Net Sales
Lowest at USD 3,325 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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