Financial Services
Live Price
Offline$25.24
-0.28% today
1Y Change
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Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
GMAC Capital Trust I GTD TR PFD-2 (ALLY-PA) is a Financial Services stock. The stock last traded around $25.24. Baseline metrics include revenue growth of -25.7%, EPS growth of +31.3%, a dividend yield of 2.8%. What stands out right now is revenue -25.7%, EPS +31.3%, free cash flow -160.6% with operating margin 11.1% and ROIC 0.7%. The dividend matters to the case here, with a current yield around 2.8%. Valuation is more restrained than many high-expectation growth names at P/E 9.6 and price/sales 0.8. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines ALLY-PA price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Edge
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
ALLY-PA
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Normalized return
SPY
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S&P 500
Excess Return
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Relative to SPY
ALLY-PA Max Drawdown
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Trailing 1Y
SPY Max Drawdown
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Trailing 1Y
Uses the longest available daily history for ALLY-PA and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$10.7B
-11.6% YoY
FY Net Income
$3.1B
+78.5% YoY
Free Cash Flow
-$1.1B
-139.7% YoY
Revenue Growth
-25.7%
EPS Growth
+31.3%
Gross Margin
48.9%
Net Margin
8.9%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 12.2B | 16.4B | 16.0B | 12.1B | 10.7B |
| Gross Profit | 6.3B | 6.7B | 7.1B | 7.8B | 8.5B |
| Operating Income | 1.1B | 836M | 1.1B | 2.3B | 3.9B |
| EBITDA | 2.4B | 2.0B | 2.3B | 3.7B | 5.1B |
| Net Income | 852M | 668M | 957M | 1.7B | 3.1B |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 10.0B | 10.3B | 6.9B | 5.6B | 5.1B |
| Total Assets | 196.0B | 191.8B | 196.3B | 191.8B | 182.1B |
| Total Liabilities | 180.5B | 177.9B | 182.6B | 179.0B | 165.1B |
| Shareholder Equity | 15.5B | 13.9B | 13.7B | 12.9B | 17.1B |
| Total Debt | 21.8B | 19.2B | 21.0B | 20.3B | 17.2B |
| Net Debt | 11.7B | 8.9B | 14.0B | 14.7B | 12.1B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
4.0B
-35.3% YoY
Capital Expenditures
5.1B
-45.0% YoY
Free Cash Flow
1.1B
-139.7% YoY
Key ratios
Gross Margin
48.9%
Operating Margin
11.1%
Net Margin
8.9%
ROE
9.2%
Debt / Equity
1.38x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.