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ALLY

26.12USD+0.20(+0.77%)Delayed

Ally Financial Inc

Market Summary

USD26.12+0.20Delayed
0.77%

ALLY Alerts

ALLY Stock Price

RSI Chart

Valuation

Market Cap

8.7B

Price/Earnings

3.49

Price/Sales

0.95

Price/Cashflow

1.48

MarketCap/EBT

2.66

Price/Sales

Profitability

EBT Margin

35.74%

Return on Equity

17.88%

Return on Assets

1.35%

Fundamentals

Revenue

Revenue (TTM)

9.2B

Revenue Y/Y

15.19%

Revenue Q/Q

6.01%

Earnings

Earnings (TTM)

2.5B

Earnings Y/Y

-46.44%

Earnings Q/Q

-26.41%

Price Action

52 Week Range

24.8352.05
(Low)(High)

Last 7 days

-2.1%

Last 30 days

-2.0%

Last 90 days

-19.2%

Trailing 12 Months

-42.8%

Financial Health

Debt/Equity

1.21

Debt/Cashflow

0.35

Investor Care

Dividend Yield

3.89%

Dividend/Share (TTM)

1.1

Buy Backs (1Y)

14.43%

Diluted EPS (TTM)

6.95

Peers (Alternatives to Ally Financial)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
112.4B
41.6B
9.23% 1.28%
14.67
2.7
29.77% -1.52%
28.9B
11.8B
4.91% -2.23%
6.52
2.46
10.13% -14.57%
16.6B
16.5B
1.03% -20.76%
5.1
1.01
8.41% -21.56%
MID-CAP
8.7B
9.2B
-2.03% -42.81%
3.49
0.95
8.32% -12.52%
6.1B
1.8B
8.43% -26.27%
7.72
3.3
-0.20% -30.97%
4.7B
4.4B
5.46% -16.46%
4.88
1.06
2.14% -31.84%
4.4B
1.9B
5.91% -6.24%
5.17
2.3
6.03% -38.64%
3.4B
1.3B
12.14% 11.10%
7.4
2.84
1.58% 2.76%
SMALL-CAP
1.2B
1.5B
2.29% -14.75%
3.07
0.75
-7.21% 10.17%
1.2B
1.6B
6.00% 3.46%
5.7
0.72
45.60% -53.19%
1.1B
764.0M
3.67% -67.58%
62.99
1.46
52.02% 109.91%
1.0B
1.4B
7.99% -42.03%
20.72
0.73
3.70% 40.66%
486.1M
623.7M
-2.92% -65.50%
16.57
0.8
14.50% -82.26%
318.5M
1.0B
10.92% -77.36%
12.95
0.29
-2.01% -1102.19%

Financials for Ally Financial

Income Statement (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q22022Q12021Q42021Q32021Q2
Revenue3.6%9,1938,8708,6518,5198,487
Earnings Before Taxes-11.0%3,2863,6943,8553,8123,537
Net Income-14.3%2,5012,9193,0603,0952,859
Balance Sheet
(In Millions)
Description(%) Q/Q2022Q22022Q12021Q42021Q32021Q2
Assets0.8%185,703184,297182,114179,184180,470
    Cash Equivalents6.0%4,1673,9325,06210,91513,664
Liabilities1.7%171,719168,884165,064161,895162,940
.    Short Term Borrowings97.5%7,8003,950---
  Long Term Debt6.9%16,98415,88517,02914,94616,896
Shareholder's Equity-9.3%13,98415,41317,05017,28917,530
  Retained Earnings33.0%-721.00-1,076.00-1,599.00-2,136.00-2,726.00
Shares Outstanding-4.4%313327338350363
Float-18,100----
* denotes actual numbers (not divided by Millions)
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q22022Q12021Q42021Q32021Q2
Cashflow From Operations30.6%5,8924,5134,0424,2184,199
Cashflow From Investing-18.6%-20,442.00-17,235.00-11,098.00-4,153.00-2,969.00
Cashflow From Financing1490.8%4,868306-3,848.00-9,152.00-6,758.00
  Dividend Payments7.9%383355324309289
  Buy Backs4.2%2,4572,3591,9941,401723

Risks

What is the probability of a big loss on ALLY?

55.8%


Probability that Ally Financial stock will be more than 20% underwater in next one year

30%


Probability that Ally Financial stock will be more than 30% underwater in next one year.

24.2%


Probability that Ally Financial stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does ALLY drawdown profile look like?

Y-axis is the maximum loss one would have experienced if Ally Financial was unfortunately bought at previous high price.

Returns

Cumulative Returns on ALLY

6.4%


7-Year Cumulative Returns

1.7%


5-Year Cumulative Returns

-2.8%


3-Year Cumulative Returns

What are the long-term rolling returns for ALLY?

FIve years rolling returns for Ally Financial.

Which funds bought or sold ALLY recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2022-11-23
Invst, LLC
REDUCED
-0.22
-70,000
322,000
0.06%
2022-11-22
CVA Family Office, LLC
NEW
-
9,000
9,000
-%
2022-11-21
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM
REDUCED
-4.5
-3,720,000
14,262,000
0.02%
2022-11-21
Parallax Volatility Advisers, L.P.
ADDED
62.51
533,000
2,059,000
-%
2022-11-18
National Pension Service
REDUCED
-76.05
-20,616,000
5,280,000
0.01%
2022-11-17
M&T Bank Corp
REDUCED
-10.59
4,000
319,000
-%
2022-11-16
CAPTRUST FINANCIAL ADVISORS
REDUCED
-21.84
-136,000
252,000
-%
2022-11-16
LIBERTY ONE INVESTMENT MANAGEMENT, LLC
REDUCED
-98.7
-1,401,000
10,000
-%
2022-11-16
Neo Ivy Capital Management
ADDED
129.32
67,000
141,000
0.37%
2022-11-16
GLENMEDE TRUST CO NA
REDUCED
-83.06
-2,846,000
465,000
-%

1–10 of 43

Latest Funds Activity

Are funds buying ALLY calls or puts?
Are funds bullish or bearish(Calls - Puts)?
No. of funds that own ALLY

Ally Financial News

Seeking Alpha

Moon Capital 2022 Q3 Letter.19 hours ago

ALLY Fair Value

Recent SEC filings of Ally Financial

View All Filings
Date Filed Form Type Document
Nov 28, 2022
424B2
Prospectus Filed
Nov 21, 2022
424B2
Prospectus Filed
Nov 18, 2022
424B2
Prospectus Filed
Nov 15, 2022
424B2
Prospectus Filed
Nov 15, 2022
8-K
Current Report
Nov 14, 2022
424B2
Prospectus Filed
Nov 10, 2022
13F-HR
Fund Holdings Report
Nov 08, 2022
424B2
Prospectus Filed
Nov 07, 2022
FWP
Prospectus Filed
Nov 07, 2022
424B2
Prospectus Filed

Latest Insider Trading transactions for ALLY

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2022-10-25
MAGNER MARJORIE
BOUGHT
54,867.8
27.4339
2,000
-
2022-10-06
Goldman Melissa
ACQUIRED
-
-
1,168
-
2022-10-06
Reilly David
ACQUIRED
-
-
1,168
-
2022-07-08
Goldman Melissa
ACQUIRED
-
-
629
-
2022-07-08
Reilly David
ACQUIRED
-
-
629
-
2022-05-13
Breakiron-Evans Maureen
ACQUIRED
145,021
39.58
3,664
-
2022-05-13
Goldman Melissa
ACQUIRED
145,021
39.58
3,664
-
2022-05-13
Steib Michael F
ACQUIRED
145,021
39.58
3,664
-
2022-05-13
Reilly David
ACQUIRED
145,021
39.58
3,664
-
2022-05-13
MAGNER MARJORIE
ACQUIRED
145,021
39.58
3,664
-

1–10 of 50

Jeffrey J. Brown
10500
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.

ALLY Income Statement

2022-09-30
Condensed Consolidated Statement of Income - USD ($)
shares in Thousands, $ in Millions
3 Months Ended9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Financing revenue and other interest income    
Interest and fees on finance receivables and loans$ 2,120$ 1,619$ 5,676$ 4,789
Interest on loans held-for-sale1051814
Interest and dividends on investment securities and other earning assets218155609433
Interest on cash and cash equivalents1652313
Operating leases3973931,1961,147
Total financing revenue and other interest income2,7612,1777,5226,396
Interest expense    
Interest on deposits5672451,041819
Interest on short-term borrowings430671
Interest on long-term debt194191563671
Interest on other0818
Total interest expense8044441,6721,499
Net depreciation expense on operating lease assets238139674384
Net financing revenue and other interest income1,7191,5945,1764,513
Other revenue    
Insurance premiums and service revenue earned289279849837
Gain on mortgage and automotive loans, net10182873
Loss on extinguishment of debt0(52)0(126)
Other (loss) gain on investments, net(54)24(173)212
Other income, net of losses52122347498
Total other revenue2973911,0511,494
Total net revenue2,0161,9856,2276,007
Provision for credit losses4387690931
Noninterest expense    
Compensation and benefits expense4673891,3971,230
Insurance losses and loss adjustment expenses7069217206
Other operating expenses6245441,8071,584
Total noninterest expense1,1611,0023,4213,020
Income from continuing operations before income tax expense4179071,8972,956
Income tax expense from continuing operations117195460549
Net income from continuing operations300[1]7121,437[1]2,407[1]
(Loss) income from discontinued operations, net of tax(1)0(1)1
Net income2997121,4362,408
Other comprehensive loss, net of tax(1,331)(165)(4,182)(580)
Comprehensive (loss) income(1,032)547(2,746)1,828
Net income from continuing operations attributable to common stockholders[1]2736831,3542,378
(Loss) income from discontinued operations, net of tax(1)[1]0[1](1)1[1]
Net income attributable to common stockholders[1]$ 272$ 683$ 1,353$ 2,379
Basic weighted-average common shares outstanding (in shares)[1],[2]308,220359,179321,884368,215
Diluted weighted-average common shares outstanding (in shares)[1],[2]310,086361,855323,875370,745
Basic earnings per common share    
Net income from continuing operations (in dollars per share)[1]$ 0.88$ 1.90$ 4.20$ 6.46
Net income (in dollars per share)[1]0.881.904.206.46
Diluted earnings per common share    
Net income from continuing operations (in dollars per share)[1]0.881.894.186.41
Net income (in dollars per share)[1]0.881.894.186.42
Cash dividends declared per common share (in dollars per share)[1]$ 0.30$ 0.25$ 0.90$ 0.63
[1]Figures in the table may not recalculate exactly due to rounding. Earnings per share is calculated based on unrounded numbers.
[2]Includes shares related to share-based compensation that vested but were not yet issued.

ALLY Balance Sheet

2022-09-30
Condensed Consolidated Balance Sheet - USD ($)
$ in Millions
Sep. 30, 2022
Dec. 31, 2021
Cash and cash equivalents  
Noninterest-bearing$ 638$ 502
Interest-bearing4,3664,560
Total cash and cash equivalents5,0045,062
Equity securities6471,102
Available-for-sale securities (amortized cost)[1]29,61333,587
Held-to-maturity securities (fair value of $903 and $1,204)1,0841,170
Loans held-for-sale, net808549
Finance receivables and loans, net  
Finance receivables and loans, net of unearned income132,456122,268
Allowance for loan losses(3,611)(3,267)
Total finance receivables and loans, net128,845119,001
Investment in operating leases, net10,57710,862
Premiums receivable and other insurance assets2,7192,724
Other assets9,3438,057
Total assets188,640182,114
Deposit liabilities  
Noninterest-bearing220150
Interest-bearing145,531141,408
Total deposit liabilities145,751141,558
Short-term borrowings7,2000
Long-term debt16,62817,029
Interest payable484210
Unearned insurance premiums and service revenue3,4683,514
Accrued expenses and other liabilities2,6752,753
Total liabilities176,206165,064
Contingencies (refer to Note 24)
Equity  
Common stock and paid-in capital ($0.01 par value, shares authorized 1,100,000,000; issued 506,962,750 and 504,521,535; and outstanding 300,335,089 and 337,940,636)21,78121,671
Preferred stock2,3242,324
Accumulated deficit(544)(1,599)
Accumulated other comprehensive loss(4,340)(158)
Treasury stock, at cost (206,627,661 and 166,580,899 shares)(6,787)(5,188)
Total equity12,43417,050
Total liabilities and equity$ 188,640$ 182,114
[1]Refer to Note 7 for discussion of investment securities pledged as collateral.