Ally Financial (DE:GMZ)
FRANKFURT:GMZ
GMZ Stock Chart & Stats
€35.62
-€0.23(-0.65%)
At close: 4:00 PM EST
€35.62
-€0.23(-0.65%)
Day’s Range― - ―
52-Week Range€25.92 - €40.03
Previous CloseN/A
Volume0.00
Average Volume (3M)19.00
Market Cap
€11.01B
Enterprise Value€24.66B
Total Cash (Recent Filing)€10.03B
Total Debt (Recent Filing)€21.77B
Price to Earnings (P/E)16.5
Beta0.47
Next Earnings
Apr 17, 2026EPS Estimate
0.8Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.93
Shares Outstanding307,918,240
10 Day Avg. Volume3
30 Day Avg. Volume19
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)0.91
Price to Sales (P/S)1.16
P/FCF Ratio-21.76
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€43.92Price Target Upside23.31% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering14
EPS Forecast (FY)4.48
Revenue Forecast (FY)€7.70B
Bulls Say, Bears Say
Bulls Say
Capital Return PotentialTrading below tangible book value combined with potential excess common equity capital creates scope for larger share repurchases that could lift earnings per share and investor returns.
Regulatory Capital ReliefProposed rule changes that lower risk weights on retail auto loans could reduce risk-weighted assets and strengthen the common equity capital position, increasing room for strategic initiatives or shareholder returns.
Retail Credit Quality ImprovementImproving retail auto loan vintages and tighter underwriting are driving lower delinquencies and reduced loss expectations, supporting more stable future earnings.
Bears Say
Accumulated Other Comprehensive Income ImpactInclusion of accumulated other comprehensive income in regulatory capital reduces capital flexibility for firms with large unrealized positions, constraining the ability to deploy capital for buybacks or other uses.
Electric Vehicle ResidualsFalling electric vehicle residual values are pressuring lease yields and compressing margins in the auto finance portfolio, weighing on profitability.
Funding Cost And Margin PressureRising competition for deposits and higher funding costs are eroding net interest margins, and a slow pass-through of deposit repricing could weaken earnings momentum.
Ally Financial News
GMZ FAQ
What was Ally Financial’s price range in the past 12 months?
Ally Financial lowest stock price was €25.91 and its highest was €40.03 in the past 12 months.
What is Ally Financial’s market cap?
Ally Financial’s market cap is €11.01B.
When is Ally Financial’s upcoming earnings report date?
Ally Financial’s upcoming earnings report date is Apr 17, 2026 which is in 7 days.
How were Ally Financial’s earnings last quarter?
Ally Financial released its earnings results on Jan 21, 2026. The company reported €0.932 earnings per share for the quarter, beating the consensus estimate of €0.868 by €0.064.
Is Ally Financial overvalued?
According to Wall Street analysts Ally Financial’s price is currently Undervalued.
Does Ally Financial pay dividends?
Ally Financial does not currently pay dividends.
What is Ally Financial’s EPS estimate?
Ally Financial’s EPS estimate is 0.8.
How many shares outstanding does Ally Financial have?
Ally Financial has 307,918,240 shares outstanding.
What happened to Ally Financial’s price movement after its last earnings report?
Ally Financial reported an EPS of €0.932 in its last earnings report, beating expectations of €0.868. Following the earnings report the stock price went down -1.677%.
Which hedge fund is a major shareholder of Ally Financial?
Currently, no hedge funds are holding shares in DE:GMZ
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Ally Financial Stock Smart Score
Outperform
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10
Analyst Consensus
Strong Buy
Average Price Target:
€43.92 (23.31% Upside)
€43.92 (23.31% Upside)
Blogger Sentiment
Bullish
DE:GMZ Sentiment 87%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $1.5M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
40.87%
12-Months-Change
Fundamentals
Return on Equity
5.74%
Trailing 12-Months
Asset Growth
2.17%
Trailing 12-Months
Company Description
Ally Financial
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. 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 healthcare industry. The company 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.
GMZ Company Deck
GMZ Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed clear progress across key financial and operational metrics — notably strong EPS growth, materially higher ROTCE, retail auto NCOs below 2%, record dealer applications and origination volumes, capital improvement and an actionable path to higher NIM — while acknowledging manageable near-term headwinds including NIM seasonality, lease residual pressure on certain EV models, reserve conservatism driven by macro uncertainty, and the need to reach the 9% CET1 target. Overall the tone was constructive and forward-looking, with management highlighting disciplined execution, momentum in core franchises, and a cautious but growing return of capital to shareholders.View all DE:GMZ earnings summariesGMZ Net revenue Breakdown
69.17% Automotive Finance operations
18.81% Insurance operations
6.10% Corporate Finance operations
2.76% Mortgage Finance operations
GMZ Stock 12 Month Forecast
Average Price Target
€43.92
▲(23.31% Upside)
Technical Analysis
Credit Acceptance
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Options Prices
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