Ally Financial Inc (ALLY) Stock Analysis
Verdict: HOLD
Discounted P/B valuation and strong EPS growth forecasts (22% CAGR) outweigh near-term auto-loan credit concerns and insider selling.
Investment score: 64/100
Analysis as of
Is Ally Financial Inc stock worth reviewing? AI model thesis
The model score of 64/100 falls in the HOLD range. The central thesis and factor breakdown explain the assessment.
7-factor investment score
- Valuation: 85/100 (weight 20%)
- Financial Health: 45/100 (weight 15%)
- Technical Momentum: 60/100 (weight 15%)
- Earnings Quality: 70/100 (weight 15%)
- Insider Sentiment: 40/100 (weight 10%)
- Analyst Consensus: 80/100 (weight 10%)
- Risk-Adjusted Return: 55/100 (weight 15%)
Ally Financial Inc opportunities and risks
What speaks for ALLY
- Valuation Discount to Book Value
What speaks against ALLY
- Consumer Credit Deterioration
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| ALLY | 10.4x | 0.9x | 9.5x | 49.7% | 9.2% | -4.5% |
| AXP | 20.8x | 2.8x | 9.9x | 84.3% | 13.6% | 6.5% |
| COF | 13.9x | 1.7x | 5.8x | 66.2% | 13.4% | 23.4% |
| SYF | 8.1x | 1.3x | 5.1x | 68.3% | 17.7% | 37.2% |
| SOFI | 36.1x | 4.2x | 25.8x | 76.5% | 11.4% | -21.1% |
| FCFS | 24.0x | 2.2x | 9.9x | 48.9% | 9.4% | 6.5% |
| Peer median | 20.8x | 2.2x | 9.9x | 68.3% | 13.4% | 6.5% |
Frequently asked questions about Ally Financial Inc (ALLY)
Is ALLY stock a good investment?
The cached TradeMates AI model rates Ally Financial Inc as HOLD with an investment score of 64/100. The model score of 64/100 falls in the HOLD range. The central thesis and factor breakdown explain the assessment. This is algorithmic model output, not personal investment advice.
Is ALLY stock a buy?
The TradeMates model verdict for ALLY is HOLD with an investment score of 64/100. Treat this as a model signal to review, not a personal buy recommendation.