Ally Financial (ALLY) Posts Stronger Second Quarter Results, Is The Stock Still Cheap?

Simply Wall St.08-05

Ally Financial (ALLY) has been in focus after reporting second quarter results that showed year over year growth in net interest income and net income, alongside a completed share repurchase tranche ...

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The 1 year total shareholder return of 24.30% and 3 year total...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU0130102774.USD":"Natixis Harris Associates US Equity RA USD","LU0477156953.USD":"HARRIS ASSOCIATES US VALUE EQUITY \"RE\" (USD) ACC","BK4588":"碎股","BK4561":"索罗斯持仓","LU0980610538.SGD":"Natixis Harris Associates US Equity RA SGD-H","BK4585":"ETF&股票定投概念","LU1791807156.HKD":"BGF WORLD FINANCIALS \"A2\" (HKDHDG) ACC","BK4559":"巴菲特持仓","LU0106831901.USD":"贝莱德世界金融基金A2","LU0648001328.SGD":"Natixis Harris Associates US Equity RA SGD","ALLY":"Ally Financial Inc.","LU1668664300.SGD":"Blackrock World Financials A2 SGD-H","BK4166":"消费信贷","LU1201861249.SGD":"Natixis Harris Associates US Equity PA SGD-H","LU0130517989.USD":"HARRIS ASSOCIATES US VALUE EQUITY \"R\" INC"},"translate_title":"Ally Financial (ALLY) 公布更强劲的第二季度业绩，该股还便宜吗？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"ALLY":1.5},"content_text":"Ally Financial (ALLY) has been in focus after reporting second quarter results that showed year over year growth in net interest income and net income, alongside a completed share repurchase tranche and a key leadership change. See our latest analysis for Ally Financial. At a share price of $44.99, Ally Financial’s recent 1 day share price return of 2.09% and 7 day share price return of 1.99% follow its second quarter update. The 1 year total shareholder return of 24.30% and 3 year total shareholder return of 67.91% point to momentum that contrasts with a more muted year to date share price return, suggesting sentiment has strengthened over time despite shorter term share price moves. If you are looking for other ideas alongside Ally Financial, this is a good moment to broaden your search and check out 19 top founder-led companies Bulls point to Ally Financial’s earnings growth, buybacks and leadership changes. Bears focus on auto credit risk and recent softer share price momentum. The valuation numbers now suggest which side has the stronger case. AdvertisementMost Popular Narrative: 16.7% Undervalued With Ally Financial closing at $44.99 against a widely followed fair value estimate of about $54, the narrative focuses on credit discipline, digital scale and earnings durability to explain that gap.  The accelerating demand for digital banking and app-based financial services is enabling Ally's all-digital business model to acquire and retain customers more efficiently, supporting ongoing net customer growth and driving higher deposit stability. This should support long-term revenue and net margin expansion as the cost advantages of digital scale deepen.  Read the complete narrative. Want to see what sits behind that fair value for Ally Financial? The narrative leans on a specific mix of revenue growth, margin gains and a higher future earnings multiple. Curious which expectations around earnings, profit margins and discount rate have to line up to support that valuation path. Result: Fair Value of $54.01 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, investors still need to watch two key risks for Ally Financial: auto credit quality in a weaker consumer backdrop, and ongoing regulatory and political scrutiny of repossessions. Find out about the key risks to this Ally Financial narrative. Next Steps Given the mix of optimism and caution around Ally Financial, it makes sense to review the numbers yourself and decide where you stand. If you want a quick way to see what other investors view as the main positives, start with the 4 key rewards. Looking for more investment ideas beyond Ally Financial? If Ally Financial has sharpened your thinking, do not stop here. Use the Simply Wall Street Screener to quickly spot fresh stock ideas that fit your style.  Target higher potential by scanning for companies that look attractively priced on quality metrics through the 52 high quality undervalued stocks. Build reliable income by focusing on stocks with stronger yields and resilient payouts using the 7 dividend fortresses. Protect your capital by concentrating on companies with sturdier finances through the 82 resilient stocks with low risk scores.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n        and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n        financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n        Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n        Simply Wall St has no position in any stocks mentioned.New: Manage All Your Stock Portfolios in One PlaceWe've created the ultimate portfolio companion for stock investors, and it's free.• Connect an unlimited number of Portfolios and see your total in one currency• Be alerted to new Warning Signs or Risks via email or mobile• Track the Fair Value of your stocksTry a Demo Portfolio for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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