{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "a46f91ba-6d16-48c5-b3b6-58a996caf978",
    "symbol": "ALLY",
    "name": "Ally Financial Inc",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Credit Services",
    "chart_url": "https://sharemaestro.com/terminal/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "a46f91ba-6d16-48c5-b3b6-58a996caf978",
      "symbol": "ALLY",
      "name": "Ally Financial Inc",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Credit Services",
      "chart_url": "https://sharemaestro.com/terminal/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "ALLY",
    "market_cap": 13600428032.0,
    "market_cap_usd": 13109991361.74,
    "price": 44.369999,
    "currency": "USD",
    "dividend_yield": 0.0276,
    "dividend_years": 10,
    "dividend_growth_5y": 0.09565426,
    "dividend_cut_5y": false,
    "payout_ratio": 0.2913,
    "net_income": 852000000.0,
    "free_cash_flow": -546000000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 1.37720996,
    "revenue_growth_5y": 0.09735694,
    "net_margin": 0.18160999,
    "roe": 0.09356,
    "pe_ratio": 10.769418,
    "price_vs_ma": 0.06062957,
    "return_3y": 0.85959444,
    "return_5y": 0.03090519,
    "max_drawdown": -0.57484269,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 8.5,
      "business_quality": 24.0,
      "valuation": 15.0,
      "trend": 12.0,
      "total": 84.5,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/",
      "chart": "https://sharemaestro.com/terminal/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 8.5,
    "business_quality": 24.0,
    "valuation": 15.0,
    "trend": 12.0,
    "total": 84.5,
    "confidence": 100.0
  },
  "warnings": [
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend review warning",
      "detail": "Free cash flow does not cover dividends paid.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2026-05-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for Ally Financial Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2026-02-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for Ally Financial Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2025-10-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for Ally Financial Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2025-08-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for Ally Financial Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2025-05-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for Ally Financial Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2025-01-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for Ally Financial Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2024-11-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for Ally Financial Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2024-08-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for Ally Financial Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2024-04-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for Ally Financial Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2024-01-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for Ally Financial Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2023-10-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for Ally Financial Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2023-07-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "ALLY dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for Ally Financial Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2022-01-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "Dividend increased 20.0%",
      "detail": "Payment changed from 0.25 to 0.3.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2021-07-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "Dividend increased 31.6%",
      "detail": "Payment changed from 0.19 to 0.25.",
      "amount": 0.25,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2020-01-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "Dividend increased 11.8%",
      "detail": "Payment changed from 0.17 to 0.19.",
      "amount": 0.19,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2019-01-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "Dividend increased 13.3%",
      "detail": "Payment changed from 0.15 to 0.17.",
      "amount": 0.17,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2018-07-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "Dividend increased 15.4%",
      "detail": "Payment changed from 0.13 to 0.15.",
      "amount": 0.15,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    },
    {
      "event_date": "2018-01-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ALLY",
      "exchange": "NYSE",
      "headline": "Dividend increased 8.3%",
      "detail": "Payment changed from 0.12 to 0.13.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a46f91ba-6d16-48c5-b3b6-58a996caf978/"
    }
  ]
}