Ally Financial Inc. ALLY NYSE

Ally Financial Inc. (ALLY) has shown moderate revenue growth over the past 3 years, expanding from $12.1B to $12.2B (average +2.9%/yr). Net income reached $852M, reflecting earnings decline at -15.6%/yr on average. The net profit margin is 7%, which is moderate. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 52% (high), with a -12.8pp trend over the period. With a $13B market cap and MOAT composite score of 69/100, the company has a moderate competitive position.

Criteria proven by this page:

• GROWTH (30/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 28-year history, the company was profitable in 25 of 28 years — a solid long-term record with occasional losses
• INCOME (45/100, Partial) — the company is profitable but margin is below 15%
• MOAT (69/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 60/100 with 3/7 criteria passed.