Latest news with #ALLY
Yahoo
3 days ago
- Business
- Yahoo
Here's Why Ally Financial (ALLY) is a Strong Value Stock
It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors. Achieving those goals is made easier with the Zacks Style Scores, a unique set of guidelines that rates stocks based on popular investing methodologies, namely value, growth, and momentum. The Style Scores can help you narrow down which stocks are better for your portfolio and which ones can beat the market over the long-term. Why Investors Should Pay Attention to This Value Stock Value investors love finding good stocks at good prices, especially before the broader market catches on to a stock's true value. Utilizing ratios like P/E, PEG, Price/Sales, and Price/Cash Flow, the Value Style Score identifies the most attractive and most discounted stocks. Ally Financial (ALLY) Founded in 1919, Detroit, MI-based Ally Financial Inc. is a diversified financial services company providing several financial products and services to automotive dealers and their customers. It operates as a financial holding company (FHC) and a bank holding company (BHC). ALLY is a Zacks Rank #3 (Hold) stock, with a Value Style Score of A and VGM Score of A. Shares are currently trading at a forward P/E of 10.8X for the current fiscal year compared to the Financial - Consumer Loans industry's P/E 10.8X. Additionally, ALLY has a PEG Ratio of 0.3 and a Price/Cash Flow ratio of 5.8X. Value investors should also note ALLY's Price/Sales ratio of 1.5X. A company's earnings performance is important for value investors as well. For fiscal 2025, seven analysts revised their earnings estimate higher in the last 60 days for ALLY, while the Zacks Consensus Estimate has increased $0.12 to $3.57 per share. ALLY also holds an average earnings surprise of 41.3%. ALLY should be on investors' short list because of its impressive earnings and valuation fundamentals, a good Zacks Rank, and strong Value and VGM Style Scores. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Ally Financial Inc. (ALLY) : Free Stock Analysis Report This article originally published on Zacks Investment Research ( Zacks Investment Research
Yahoo
19-07-2025
- Business
- Yahoo
Ally Financial Inc (ALLY) Q2 2025 Earnings Call Highlights: Strong Auto Finance Performance and ...
Adjusted Earnings Per Share: $0.99 Core Pretax Income: $418 million Net Interest Margin (excluding core OID): 3.45% Core ROTCE: 13.6% Consumer Originations in Auto Finance: $11 billion Origination Yields: 9.82% Insurance Written Premiums: $349 million Corporate Finance ROE: 31% Digital Bank Customer Count: 3.4 million Deposit Balances: $143 billion Net Financing Revenue: Approximately $1.5 billion Adjusted Other Revenue: $531 million Adjusted Provision Expense: $384 million Adjusted Noninterest Expense: $1.3 billion Effective Tax Rate: 19% GAAP Earnings Per Share: $1.04 CET1 Ratio: 9.9% Adjusted Tangible Book Value Per Share: $37 Consolidated Net Charge-Off Rate: 110 basis points Retail Auto Net Charge-Off Rate: 1.75% 30-plus Day Delinquencies: 4.88% Retail Auto Coverage Rate: 3.75% Retail Auto Portfolio Yield (excluding hedges): 9.19% Warning! GuruFocus has detected 5 Warning Sign with ALLY. Release Date: July 18, 2025 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Positive Points Ally Financial Inc (NYSE:ALLY) delivered adjusted earnings per share of $0.99 and core pretax income of $418 million, marking double-digit year-over-year growth. Net interest margin, excluding core OID, expanded by 10 basis points quarter-over-quarter to 3.45%, indicating strong financial performance. The company achieved a core ROTCE of 13.6% in the quarter, demonstrating robust return on tangible common equity. Ally Financial Inc (NYSE:ALLY) continues to see strong performance in its Auto Finance business, with consumer originations reaching $11 billion, driven by a record application volume. The digital bank segment reported an all-time high of 3.4 million customers, marking 65 consecutive quarters of net customer growth, reinforcing its position as the nation's largest all-digital bank. Negative Points The sale of the credit card business resulted in a 20 basis points drag on net interest margin, impacting overall financial performance. Adjusted provision expense was $384 million, reflecting a 23% decrease from the prior quarter, but still indicating a cautious approach due to macroeconomic uncertainty. Retail auto net charge-off rate was 1.75%, which, although improved, still reflects elevated delinquency levels. Deposit balances decreased by approximately $3 billion quarter-over-quarter, attributed to seasonal tax outflows, which could impact funding stability. The insurance business recorded a core pretax loss of $2 million due to higher losses, despite strong growth in premiums and investment revenue. Q & A Highlights Q: What factors could lead to outperforming or underperforming the net interest margin (NIM) expectations for the second half of the year, and what is the timeline for achieving the 4% NIM target? A: Russell Hutchinson, CFO, explained that the second quarter NIM expansion was strong, but several factors that contributed to it are not expected to continue. These include securities repositioning and lease termination performance recovery. The company expects continued benefits from liquid deposit and CD repricing, albeit at a slower pace. The base case assumes three rate cuts in the second half of 2025, with additional cuts in early 2026. The 4% NIM target is now adjusted to the high 3s due to the credit card sale, and while no specific timeline is given, the company remains confident in achieving this target. Q: With credit trends improving, is it time to lean more towards growth, or is the current position satisfactory? A: Michael Rhodes, CEO, stated that while they are encouraged by the trajectory of credit trends, they will remain disciplined and data-informed before making any changes. There is still uncertainty in the environment, and the company will be prudent in its approach. Q: How do used car prices and credit trends impact the outlook for the second half of the year? A: Russell Hutchinson, CFO, noted that used car prices, delinquency rates, and flow to loss rates are key variables. While delinquencies have improved, they remain elevated. The company is encouraged by strong flow to loss rates and used car prices, which support their credit guidance. Decisions on underwriting will be data-driven, focusing on recent vintage performance. Q: What are the considerations for capital return, and is the stress test a factor in determining share repurchases? A: Russell Hutchinson, CFO, indicated that the increase in capital ratios and improved earnings profile are encouraging. The stress test is not a gating factor, as the company holds excess capital above CCAR requirements. The focus is on fully phased-in CET1 ratios and organic capital generation to determine the timing for share repurchases. Q: What are the current limitations on asset growth, and how does the company view competition in the auto lending space? A: Russell Hutchinson, CFO, explained that growth is aligned with a focused strategy, with strong auto originations and corporate finance growth. The company remains prudent, focusing on credit and returns rather than capital limitations. Despite increased competition, Ally's strong dealer relationships and focus on used and prime segments support their market position. For the complete transcript of the earnings call, please refer to the full earnings call transcript. This article first appeared on GuruFocus. Error while retrieving data Sign in to access your portfolio Error while retrieving data Error while retrieving data Error while retrieving data Error while retrieving data
Yahoo
19-07-2025
- Business
- Yahoo
Ally Financial Inc (ALLY) Q2 2025 Earnings Call Highlights: Strong Auto Finance Performance and ...
Adjusted Earnings Per Share: $0.99 Core Pretax Income: $418 million Net Interest Margin (excluding core OID): 3.45% Core ROTCE: 13.6% Consumer Originations in Auto Finance: $11 billion Origination Yields: 9.82% Insurance Written Premiums: $349 million Corporate Finance ROE: 31% Digital Bank Customer Count: 3.4 million Deposit Balances: $143 billion Net Financing Revenue: Approximately $1.5 billion Adjusted Other Revenue: $531 million Adjusted Provision Expense: $384 million Adjusted Noninterest Expense: $1.3 billion Effective Tax Rate: 19% GAAP Earnings Per Share: $1.04 CET1 Ratio: 9.9% Adjusted Tangible Book Value Per Share: $37 Consolidated Net Charge-Off Rate: 110 basis points Retail Auto Net Charge-Off Rate: 1.75% 30-plus Day Delinquencies: 4.88% Retail Auto Coverage Rate: 3.75% Retail Auto Portfolio Yield (excluding hedges): 9.19% Warning! GuruFocus has detected 5 Warning Sign with ALLY. Release Date: July 18, 2025 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Positive Points Ally Financial Inc (NYSE:ALLY) delivered adjusted earnings per share of $0.99 and core pretax income of $418 million, marking double-digit year-over-year growth. Net interest margin, excluding core OID, expanded by 10 basis points quarter-over-quarter to 3.45%, indicating strong financial performance. The company achieved a core ROTCE of 13.6% in the quarter, demonstrating robust return on tangible common equity. Ally Financial Inc (NYSE:ALLY) continues to see strong performance in its Auto Finance business, with consumer originations reaching $11 billion, driven by a record application volume. The digital bank segment reported an all-time high of 3.4 million customers, marking 65 consecutive quarters of net customer growth, reinforcing its position as the nation's largest all-digital bank. Negative Points The sale of the credit card business resulted in a 20 basis points drag on net interest margin, impacting overall financial performance. Adjusted provision expense was $384 million, reflecting a 23% decrease from the prior quarter, but still indicating a cautious approach due to macroeconomic uncertainty. Retail auto net charge-off rate was 1.75%, which, although improved, still reflects elevated delinquency levels. Deposit balances decreased by approximately $3 billion quarter-over-quarter, attributed to seasonal tax outflows, which could impact funding stability. The insurance business recorded a core pretax loss of $2 million due to higher losses, despite strong growth in premiums and investment revenue. Q & A Highlights Q: What factors could lead to outperforming or underperforming the net interest margin (NIM) expectations for the second half of the year, and what is the timeline for achieving the 4% NIM target? A: Russell Hutchinson, CFO, explained that the second quarter NIM expansion was strong, but several factors that contributed to it are not expected to continue. These include securities repositioning and lease termination performance recovery. The company expects continued benefits from liquid deposit and CD repricing, albeit at a slower pace. The base case assumes three rate cuts in the second half of 2025, with additional cuts in early 2026. The 4% NIM target is now adjusted to the high 3s due to the credit card sale, and while no specific timeline is given, the company remains confident in achieving this target. Q: With credit trends improving, is it time to lean more towards growth, or is the current position satisfactory? A: Michael Rhodes, CEO, stated that while they are encouraged by the trajectory of credit trends, they will remain disciplined and data-informed before making any changes. There is still uncertainty in the environment, and the company will be prudent in its approach. Q: How do used car prices and credit trends impact the outlook for the second half of the year? A: Russell Hutchinson, CFO, noted that used car prices, delinquency rates, and flow to loss rates are key variables. While delinquencies have improved, they remain elevated. The company is encouraged by strong flow to loss rates and used car prices, which support their credit guidance. Decisions on underwriting will be data-driven, focusing on recent vintage performance. Q: What are the considerations for capital return, and is the stress test a factor in determining share repurchases? A: Russell Hutchinson, CFO, indicated that the increase in capital ratios and improved earnings profile are encouraging. The stress test is not a gating factor, as the company holds excess capital above CCAR requirements. The focus is on fully phased-in CET1 ratios and organic capital generation to determine the timing for share repurchases. Q: What are the current limitations on asset growth, and how does the company view competition in the auto lending space? A: Russell Hutchinson, CFO, explained that growth is aligned with a focused strategy, with strong auto originations and corporate finance growth. The company remains prudent, focusing on credit and returns rather than capital limitations. Despite increased competition, Ally's strong dealer relationships and focus on used and prime segments support their market position. For the complete transcript of the earnings call, please refer to the full earnings call transcript. This article first appeared on GuruFocus.
Yahoo
18-07-2025
- Automotive
- Yahoo
Ally Financial reports second quarter 2025 financial results
CHARLOTTE, N.C., July 18, 2025 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) today reported its second quarter 2025 results. View full press release in PDF. The news release, presentation and financial supplement can be accessed in the following ways: Ally Financial Press Room at Ally Financial Investor Relations website at Ally will host a conference call at 9 a.m. ET to review the company's performance. The call will include a review of the results, followed by a question and answer session. Conference Call Information: Conference call participation is available via webcast or dial-in. The webcast will be live on Ally's Investor Relations website in the Events & Presentations section ( To join the conference via dial-in, please pre-register via the following link at least 15 minutes before the call begins: Upon registration, you will be provided with the conference dial-in number as well as a unique registrant ID. A replay of the call will be available via webcast on the Ally Investor Relations website. About Ally Financial Ally Financial Inc. (NYSE: ALLY) is a financial services company with the nation's largest all-digital bank and an industry-leading auto financing business, driven by a mission to "Do It Right" and be a relentless ally for customers and communities. The company serves customers with deposits and securities brokerage and investment advisory services as well as auto financing and insurance offerings. The company also includes a seasoned corporate finance business that offers capital for equity sponsors and middle-market companies. For more information, please visit For more information and disclosures about Ally, visit For further images and news on Ally, please visit Contacts: Sean LearyAlly Investor Peter GilchristAlly Communications (Media) View original content: SOURCE Ally Financial Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
01-07-2025
- Business
- Yahoo
LENSAR Reports Inducement Grants Under Nasdaq Listing Rule 5635(c)(4)
ORLANDO, Fla., July 01, 2025 (GLOBE NEWSWIRE) -- LENSAR, Inc. (Nasdaq: LNSR) ('LENSAR' or the 'Company') today announced that a majority of the independent members of LENSAR's board of directors granted three newly-hired non-executive employees an aggregate of 660 restricted stock units ('RSUs'). The RSUs were granted as of July 1, 2025, as inducement for each such employee commencing employment with the Company. The RSUs were granted in accordance with Nasdaq Listing Rule 5635(c)(4). Each RSU represents a contingent right to receive one share of the Company's common stock. The RSUs vest in four substantially equal installments on each anniversary of the grant date, subject to the new employee's continued service with the Company through the applicable vesting date. The RSUs are subject to the terms and conditions of LENSAR's 2024 Employment Inducement Incentive Award Plan and a restricted stock unit agreement covering the grant. About LENSAR LENSAR is a commercial-stage medical device company focused on designing, developing, and marketing advanced systems for the treatment of cataracts and the management of astigmatism as an integral aspect of the procedure. LENSAR has developed its ALLY Robotic Cataract Laser System™ as a compact, highly ergonomic system utilizing an extremely fast dual-modality laser and integrating AI into proprietary imaging and software. ALLY is designed to transform premium cataract surgery by utilizing LENSAR's advanced robotic technologies with the ability to perform the entire procedure in a sterile operating room or in-office surgical suite, delivering operational efficiencies and reduced overhead. ALLY includes LENSAR's proprietary Streamline® software technology, designed to guide surgeons to achieve better outcomes. Contacts: Lee Roth / Cameron Radinovic Thomas R. Staab, II, CFO Burns McClellan for LENSAR lroth@ / cradinovic@
