DDM Analysis: ALLY

Valuation Snapshot

Stable Growth	$23.06 - $37.49	$29.53
Multi-Stage	$24.81 - $27.04	$25.90
Blended Fair Value	$27.72
Current Price	$39.20
Upside	-29.30%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	6.38%	3.33%	1.19	1.18	1.23	1.04	0.93	0.88	0.78	0.59	0.35	8.25
YoY Growth	-	-	1.09%	-4.17%	18.52%	12.11%	5.86%	12.81%	31.52%	70.37%	-95.80%	859.33%
Dividend Yield	-	-	3.27%	2.98%	4.83%	2.39%	2.05%	6.07%	2.74%	2.17%	1.70%	44.07%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	633.00
(-) Cash Dividends Paid (M)	377.00
(=) Cash Retained (M)	256.00

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	126.60	79.13	47.48
Cash Retained (M)	256.00	256.00	256.00
(-) Cash Required (M)	-126.60	-79.13	-47.48
(=) Excess Retained (M)	129.40	176.88	208.53
(/) Shares Outstanding (M)	311.64	311.64	311.64
(=) Excess Retained per Share	0.42	0.57	0.67
LTM Dividend per Share	1.21	1.21	1.21
(+) Excess Retained per Share	0.42	0.57	0.67
(=) Adjusted Dividend	1.62	1.78	1.88
WACC / Discount Rate	10.48%	10.48%	10.48%
Growth Rate	3.21%	4.21%	5.21%
Fair Value	$23.06	$29.53	$37.49
Upside / Downside	-41.17%	-24.68%	-4.36%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	633.00	659.64	687.41	716.35	746.50	777.92	801.26
Payout Ratio	59.56%	65.65%	71.73%	77.82%	83.91%	90.00%	92.50%
Projected Dividends (M)	377.00	433.03	493.11	557.48	626.40	700.13	741.17

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	10.48%	10.48%	10.48%
Growth Rate	3.21%	4.21%	5.21%
Year 1 PV (M)	388.19	391.95	395.71
Year 2 PV (M)	396.27	403.98	411.77
Year 3 PV (M)	401.60	413.39	425.40
Year 4 PV (M)	404.51	420.42	436.79
Year 5 PV (M)	405.30	425.32	446.13
PV of Terminal Value (M)	5,734.46	6,017.70	6,312.03
Equity Value (M)	7,730.33	8,072.76	8,427.83
Shares Outstanding (M)	311.64	311.64	311.64
Fair Value	$24.81	$25.90	$27.04
Upside / Downside	-36.72%	-33.92%	-31.01%

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Ally Financial Inc. (ALLY)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener