ALLY
Ally Financial·NYSE
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6.59 / 10
Outperform
Ally Financial's fundamental profile is constructive, highlighted by a 92.66% year-over-year operating revenue growth and a gross profit margin of 36.70%, both ranking in the top performance quartiles. Although net profit margin is negative, the company's asset-to-market value ratio is favorable, and historical back-tests show positive monthly returns for key factors. The main limitations are a negative total profit growth and a low total assets turnover ratio, which cap the overall fundamental score. Overall, fundamentals are rated 'Outperform' with a composite satisfaction of 6.6/10.
Analysis Checks(5/10)
Gross profit margin (%)
Value36.70
Score2/3
Weight2.79%
1M Return1.27%
Value36.70
Score2/3
Weight2.79%
1M Return1.27%
Total profit (YoY growth rate %)
Value-8.53
Score0/3
Weight-5.16%
1M Return-3.00%
Value-8.53
Score0/3
Weight-5.16%
1M Return-3.00%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight7.09%
1M Return3.12%
Value100.00
Score2/3
Weight7.09%
1M Return3.12%
Total assets turnover ratio
Value0.58
Score1/3
Weight7.47%
1M Return3.38%
Value0.58
Score1/3
Weight7.47%
1M Return3.38%
Asset-MV
Value-0.50
Score3/3
Weight70.23%
1M Return16.94%
Value-0.50
Score3/3
Weight70.23%
1M Return16.94%
Profit-MV
Value1.19
Score0/3
Weight-4.68%
1M Return-2.31%
Value1.19
Score0/3
Weight-4.68%
1M Return-2.31%
Net profit margin (%)
Value-2972.64
Score2/3
Weight6.05%
1M Return2.69%
Value-2972.64
Score2/3
Weight6.05%
1M Return2.69%
Operating revenue (YoY growth rate %)
Value92.66
Score1/3
Weight7.88%
1M Return3.29%
Value92.66
Score1/3
Weight7.88%
1M Return3.29%
EBIT / Total operating revenue (%)
Value-3056.43
Score2/3
Weight5.98%
1M Return2.61%
Value-3056.43
Score2/3
Weight5.98%
1M Return2.61%
Cash-MV
Value0.14
Score1/3
Weight2.34%
1M Return1.33%
Value0.14
Score1/3
Weight2.34%
1M Return1.33%
Gross profit margin (%)
Value36.70
Score2/3
Weight2.79%
1M Return1.27%
Value36.70
Score2/3
Weight2.79%
1M Return1.27%
Profit-MV
Value1.19
Score0/3
Weight-4.68%
1M Return-2.31%
Value1.19
Score0/3
Weight-4.68%
1M Return-2.31%
Total profit (YoY growth rate %)
Value-8.53
Score0/3
Weight-5.16%
1M Return-3.00%
Value-8.53
Score0/3
Weight-5.16%
1M Return-3.00%
Net profit margin (%)
Value-2972.64
Score2/3
Weight6.05%
1M Return2.69%
Value-2972.64
Score2/3
Weight6.05%
1M Return2.69%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight7.09%
1M Return3.12%
Value100.00
Score2/3
Weight7.09%
1M Return3.12%
Operating revenue (YoY growth rate %)
Value92.66
Score1/3
Weight7.88%
1M Return3.29%
Value92.66
Score1/3
Weight7.88%
1M Return3.29%
Total assets turnover ratio
Value0.58
Score1/3
Weight7.47%
1M Return3.38%
Value0.58
Score1/3
Weight7.47%
1M Return3.38%
EBIT / Total operating revenue (%)
Value-3056.43
Score2/3
Weight5.98%
1M Return2.61%
Value-3056.43
Score2/3
Weight5.98%
1M Return2.61%
Asset-MV
Value-0.50
Score3/3
Weight70.23%
1M Return16.94%
Value-0.50
Score3/3
Weight70.23%
1M Return16.94%
Cash-MV
Value0.14
Score1/3
Weight2.34%
1M Return1.33%
Value0.14
Score1/3
Weight2.34%
1M Return1.33%
Is ALLY undervalued or overvalued?
- ALLY scores 6.59/10 on fundamentals and holds a Discounted valuation at present. Backed by its 3.05% ROE, 8.10% net margin, 24.96 P/E ratio, 0.86 P/B ratio, and 11.92% earnings growth, these metrics solidify its Outperform investment rating.
