(ALLY) Ally Financial - Ratings and Ratios

Ally Financial Inc. (NYSE:ALLY) operates as a digital financial-services company, offering a wide range of financial products and services across the United States, Canada, and Bermuda. The company is divided into four main segments: Automotive Finance Operations, Insurance Operations, Corporate Finance Operations, and Corporate and Other. Through these segments, Ally provides automotive financing solutions, including retail installment sales contracts, loans, operating leases, and floorplan financing for dealers. Additionally, the company offers vehicle-remarketing services, consumer finance protection, and insurance products, such as vehicle service contracts (VSCs), vehicle maintenance contracts (VMCs), and GAP products. Ally also underwrites select commercial insurance coverages, primarily for dealers vehicle inventory.

In the corporate finance space, Ally provides senior secured asset-based and leveraged cash flow loans to middle-market companies, as well as commercial real estate products for nursing facilities, senior housing, and medical office buildings. The company manages a diversified portfolio, including cash, corporate investment securities, loan portfolios, short- and long-term debt, derivative instruments, and equity investments. Ally further offers commercial banking products, securities brokerage, and investment advisory services. Formerly known as GMAC Inc., Ally Financial Inc. was rebranded in May 2010 and has been in operation since 1919, with its headquarters in Detroit, Michigan.

From a technical perspective, Allys stock (NYSE:ALLY) shows a Last Price of 32.06, with short-term moving averages (SMA 20: 33.41) and medium-term averages (SMA 50: 35.07) trending downward. The long-term SMA 200 (36.91) further indicates a bearish trend. The Average True Range (ATR) of 1.73 suggests moderate volatility. On the fundamental side, Allys Market Cap stands at $9.72 billion, with a trailing P/E of 56.48 and a forward P/E of 8.91, signaling expectations of future earnings growth. The P/B ratio of 0.82 indicates undervaluation relative to book value, while the P/S ratio of 1.46 reflects modest revenue multiples. Return on Equity (RoE) is 4.80%, showing moderate profitability.

3-Month Forecast: Based on the convergence of technical and fundamental data, Allys stock is likely to face resistance near the SMA 50 (35.07) and SMA 200 (36.91) levels. Support is expected around the current price range of 32.06, with potential downside limited by the ATR of 1.73. Fundamentally, the lower forward P/E of 8.91 and P/B of 0.82 suggest potential upside as earnings growth materializes. However, the stock may remain range-bound in the near term, trading between 30 and 36, as market participants weigh the companys growth prospects against broader economic conditions.