Ally Financial Inc.
NYSE•ALLY
CEO: Mr. Russell E . Hutchinson
セクター: Financial Services
業種: Financial - Credit Services
上場日: 2014-01-28
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States, Canada, and Bermuda. The company operates through Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations segments. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings. It also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.
連絡先情報
Ally Detroit Center, Floor 10 500 Woodward Avenue, Detroit, MI, 48226, United States
866-710-4623
時価総額
$12.47B
PER (TTM)
14.7
29.9
配当利回り
3.0%
52週高値
$47.27
52週安値
$29.52
52週レンジ
順位58Top 85.6%
2.3
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 2.3 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$3.94B-77.72%
直近4四半期の推移
EPS
$0.97+273.08%
直近4四半期の推移
フリーCF
-$239.00M-100.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
Net Income Rises Significantly Net income from continuing operations rose to $852M in 2025 from $669M in 2024, primarily due to a significant $689M decrease in the provision for credit losses.
Capital Ratios Strengthened Ally Inc. CET1 ratio improved to 10.23% (up from 9.82% in 2024), reflecting successful capital management and maintenance of regulatory buffers.
Automotive Originations Grew Consumer automotive originations grew $4.5B year-over-year to $43.7B in 2025, driven by strong dealer engagement and optimized credit tier focus.
Asset Quality Trends Improved Net charge-offs decreased to $1.72B in 2025 from $2.04B in 2024, reflecting better portfolio performance and stable used vehicle pricing.
リスク要因
Demanding Regulatory Environment Subject to enhanced prudential standards, stress testing, and potential new capital framework revisions limiting operational flexibility and increasing compliance costs.
Concentration Risk with OEMs Significant customer base concentration exists with GM and Stellantis dealers, exposing results to adverse OEM production or sales changes.
Interest Rate Sensitivity Exposure Balance sheet remains liability sensitive medium-term, potentially constraining NIM if deposit funding costs outpace asset repricing faster than expected.
Technology and Third-Party Reliance Extensive reliance on technology and third-party service providers creates ongoing exposure to cybersecurity threats and potential operational disruptions.
見通し
Focus on Core Business Franchises Strategic objective centers on delivering differentiated value across Dealer Financial Services, Corporate Finance, and growing the digital Ally Bank platform.
Digital Efficiency Investments Expect continued investment in data, AI, and automation solutions to drive operating efficiencies across the organization and enhance customer service delivery.
Mortgage Portfolio Run-off Consumer mortgage originations ceased in Q2 2025, resulting in a gradual run-off of the existing held-for-investment portfolio.
Capital Actions Contingent Future capital distributions, including dividends and buybacks, are contingent upon FRB approval and maintenance of required stress capital buffers.
同業比較
売上高 (TTM)
$19.12B
$15.20B
$6.24B
粗利益率 (最新四半期)
98.8%
88.4%
64.4%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| SYF | $24.95B | 7.0 | 21.1% | 12.7% |
| ALLY | $12.47B | 14.7 | 5.7% | 11.1% |
| FCFS | $8.61B | 26.5 | 15.2% | 53.2% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
4.7%
緩やかな成長
4四半期純利益CAGR
N/M
収益構造の変化
キャッシュフロー安定性
100%
優れたキャッシュフローの実績
深度リサーチ
次回決算:2026年4月15日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし