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Ally Financial Inc.

NYSE•ALLY
執行長: Mr. Russell E . Hutchinson
板塊: Financial Services
行業: 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.
聯絡資訊
Ally Detroit Center, Floor 10 500 Woodward Avenue, Detroit, MI, 48226, United States
866-710-4623
www.ally.com
市值
$12.31B
本益比 (TTM)
14.6
30
股息率
3.0%
52周最高
$47.27
52周最低
$29.52
52周範圍
58%
排名58Top 85.6%
2.3
F-Score
改良版 Piotroski 分析
基於 10 年期基本面
疲弱 • 2.3 / 9 分
評分區間 (0-9)
8-9: 價值優異
6-7: 基本面強勁
4-5: 整體穩健
0-3: 表現疲弱
資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$3.94B-77.72%
近4季度走勢

每股收益

$0.97+273.08%
近4季度走勢

自由現金流

-$239.00M-100.00%
近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼
市值
本益比 (TTM)
股東權益報酬率 (TTM)
負債率
SYF$24.84B6.921.1%12.7%
ALLY$12.31B14.65.7%11.1%
FCFS$8.25B25.515.2%53.2%

長期趨勢

近4季度
營業收入
淨利
營運現金流
4季度營業收入複合增長率
4.7%
溫和增長
4季度淨利複合增長率
N/M
盈利狀態轉變
現金流穩定性
100%
現金流表現優異

深度研究

下次財報:2026年4月15日
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