logo
logo
ALLY stock ticker logo

Ally Financial Inc.

NYSE•ALLY
CEO: Mr. Russell E . Hutchinson
板块: Financial Services
行业: Financial - Credit Services
上市日期: 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.
联系方式
Ally Detroit Center, Floor 10 500 Woodward Avenue, Detroit, MI, 48226, United States
866-710-4623
www.ally.com
市值
$12.47B
市盈率 (TTM)
14.7
29.9
股息率
3.0%
52周最高
$47.27
52周最低
$29.52
52周范围
61%
排名58Top 85.6%
2.3
F-Score
改良版 Piotroski 分析
基于 10 年期基本面
疲弱 • 2.3 / 9 分
评分区间 (0-9)
8-9: 价值优异
6-7: 基本面强劲
4-5: 整体稳健
0-3: 表现疲弱
数据范围: 2016-2025

财务仪表盘

Q4 2025 数据

营业收入

$3.94B-77.72%
近4季度走势

每股收益

$0.97+273.08%
近4季度走势

自由现金流

-$239.00M-100.00%
近4季度走势

2025 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

SYF stock ticker logoSYF
$19.12B
-2.9%
ALLY stock ticker logoALLY
$15.20B
-7.2%
OMF stock ticker logoOMF
$6.24B
+9.1%

毛利率 (最新季度)

CACC stock ticker logoCACC
98.8%
+37.0pp
NAVI stock ticker logoNAVI
88.4%
+316.6pp
SLM stock ticker logoSLM
64.4%
+23.5pp

关键指标

股票代码
市值
市盈率 (TTM)
净资产收益率 (TTM)
负债率
SYF$24.95B7.021.1%12.7%
ALLY$12.47B14.75.7%11.1%
FCFS$8.61B26.515.2%53.2%

长期趋势

近4季度
营业收入
净利润
经营现金流
4季度营收复合增长率
4.7%
温和增长
4季度净利润复合增长率
N/M
盈利状态转变
现金流稳定性
100%
现金流表现优异

深度研究

下次财报:2026年4月15日
|
每股收益:-
|
营业收入:-
财务数据
电话会议
财务报告
新闻
利润表
资产负债表
现金流量表
财务比率
变化率
利润表
过去12个月
无数据