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Ally Financial Inc Stock Research

ALLY

24.22USD0.00(0.00%)Market Closed

Market Summary

USD24.220.00
Market Closed
0.00%

ALLY Alerts

ALLY Stock Price

ALLY RSI Chart

ALLY Valuation

Market Cap

7.2B

Price/Earnings (Trailing)

4.23

Price/Sales (Trailing)

0.68

EV/EBITDA

2.98

Price/Free Cashflow

1.16

ALLY Price/Sales (Trailing)

ALLY Profitability

EBT Margin

22.05%

Return on Equity

13.33%

Return on Assets

0.89%

Free Cashflow Yield

86.17%

ALLY Fundamentals

ALLY Revenue

Revenue (TTM)

10.6B

Revenue Y/Y

37.43%

Revenue Q/Q

12.24%

ALLY Earnings

Earnings (TTM)

1.7B

Earnings Y/Y

-57.36%

Earnings Q/Q

-7.02%

Price Action

52 Week Range

21.5944.43
(Low)(High)

Last 7 days

3.3%

Last 30 days

-19.4%

Last 90 days

1.2%

Trailing 12 Months

-44.4%

ALLY Financial Health

Debt/Equity

1.38

Debt/Cashflow

0.35

ALLY Investor Care

Dividend Yield

4.95%

Dividend/Share (TTM)

1.2

Buy Backs (1Y)

11.43%

Diluted EPS (TTM)

5.03

Peers (Alternatives to Ally Financial)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
121.2B
43.0B
-8.54% -14.53%
16.13
2.82
24.07% -6.77%
25.8B
12.9B
-15.27% -15.60%
5.87
2
20.78% -19.40%
12.4B
16.9B
-20.90% -21.47%
4.11
0.74
10.86% -28.55%
MID-CAP
7.2B
10.6B
-19.43% -44.41%
4.23
0.68
22.77% -43.99%
5.2B
1.8B
-11.10% -23.00%
9.77
2.86
-1.27% -44.09%
4.2B
4.4B
-20.69% -20.94%
4.73
0.94
1.63% -33.18%
3.4B
1.2B
-4.74% 5.68%
8.23
2.69
27.53% 3.58%
2.8B
2.0B
-21.57% -37.97%
6.16
1.39
14.34% -60.20%
SMALL-CAP
1.4B
1.7B
-14.98% 8.77%
6.53
0.78
43.72% -19.07%
1.1B
1.4B
-20.72% -27.65%
5.62
0.78
-13.39% -44.53%
844.4M
1.4B
-9.24% -41.78%
13.15
0.58
1.14% 35.24%
733.0M
712.4M
-29.12% -58.09%
2.53
1.03
17.60% 1459.12%
485.6M
621.6M
-17.64% -58.55%
34.76
0.78
10.55% -82.63%
330.5M
985.0M
-35.05% -77.98%
-1.76
0.34
-10.33% -371.94%

Financials for Ally Financial

Income Statement (Last 12 Months)
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Revenue8.6%10,6219,7779,1938,8708,651
EBITDA5.0%6,5266,2136,3006,679-
EBITDA Margin-3.3%0.61*0.64*0.69*0.75*-
Earnings Before Taxes-16.2%2,3422,7963,2863,6943,855
EBT Margin-22.9%0.22*0.29*0.36*0.42*-
Interest Expenses36.9%2,8572,0871,7271,7581,914
Net Income-17.9%1,7142,0882,5012,9193,060
Net Income Margin-24.4%0.16*0.21*0.27*0.33*-
Free Cahsflow3.5%6,2476,0335,8924,513-
Balance Sheet
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Assets1.7%191,826188,640185,703184,297182,114
    Cash Equivalents11.3%5,5715,0044,1673,9325,062
Liabilities1.6%178,967176,206171,719168,884165,064
.    Short Term Borrowings-66.7%2,3997,2007,7753,950-
  Long Term Debt6.8%17,76216,62816,98415,88517,029
Shareholder's Equity3.4%12,85912,43413,98415,41317,050
  Retained Earnings29.4%-384-544-721-1,076-1,599
Shares Outstanding-0.3%299300313327338
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Cashflow From Operations3.5%6,2476,0335,8924,5134,042
Cashflow From Investing26.3%-17,263-23,431-20,442-17,235-11,098
Cashflow From Financing-0.1%11,57511,5904,868306-3,848
  Dividend Payments-0.3%384385383355324
  Buy Backs-24.8%1,6502,1932,4572,3591,994

Risks for ALLY

What is the probability of a big loss on ALLY?

61.9%


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

36.1%


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

30.4%


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.

Drawdowns

Returns for ALLY

Cumulative Returns on ALLY

6.4%


7-Year Cumulative Returns

1.1%


5-Year Cumulative Returns

22.5%


3-Year Cumulative Returns

What are the long-term rolling returns for ALLY?

FIve years rolling returns for Ally Financial.

Annualized Returns

Which funds bought or sold ALLY recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2023-03-23
MetLife Investment Management, LLC
reduced
-2.73
-25,659
150,783
-%
2023-03-23
ETF MANAGERS GROUP, LLC
added
4.55
-36,492
407,508
0.02%
2023-03-17
American Portfolios Advisors
added
0.23
-2,410
11,913
-%
2023-03-10
VICTORY CAPITAL MANAGEMENT INC
reduced
-11.31
-5,162,130
18,217,900
0.02%
2023-03-06
Rockefeller Capital Management L.P.
reduced
-5.3
-179,000
893,000
-%
2023-02-28
Voya Investment Management LLC
reduced
-4.17
-179,912
954,088
-%
2023-02-24
SRS Capital Advisors, Inc.
reduced
-64.91
-1,511
489
-%
2023-02-24
NATIXIS
new
-
40,660
40,660
-%
2023-02-24
National Pension Service
unchanged
-
-755,040
4,524,690
0.01%
2023-02-22
CVA Family Office, LLC
reduced
-95.52
-8,633
367
-%

1–10 of 44

Latest Funds Activity

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

Ally Financial News

RealMoney

3 Unduly Punished High-Yield Bank Stocks to Buy.

RealMoney,
6 hours ago

InvestorsObserver

Fortune

StreetInsider.com

Form 8-K Ally Financial Inc. For: Mar 24.

StreetInsider.com,
3 days ago

The Motley Fool

GOBankingRates

Schedule 13G FIlings of Ally Financial

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Feb 14, 2023
berkshire hathaway inc
9.98%
29,800,000
SC 13G
Feb 14, 2023
harris associates l p
8.7%
25,997,686
SC 13G/A
Feb 09, 2023
vanguard group inc
10.53%
31,445,082
SC 13G/A
Jan 31, 2023
blackrock inc.
7.5%
22,366,239
SC 13G/A
Feb 11, 2022
harris associates l p
7.2%
24,828,869
SC 13G/A
Feb 09, 2022
vanguard group inc
10.35%
35,851,312
SC 13G/A
Feb 01, 2022
blackrock inc.
8.6%
29,683,700
SC 13G/A
May 10, 2021
vanguard group inc
10.24%
37,970,139
SC 13G/A
Feb 16, 2021
harris associates l p
7.6%
28,239,762
SC 13G/A
Feb 10, 2021
vanguard group inc
9.25%
34,599,362
SC 13G/A

ALLY Fair Value

Ally Financial fair value in different scenarios

The table shows the Fair Value estimates for Ally Financial for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.
Fair ValueVery PessimisticPessimisticBase CaseOptimisticVery Optimistic
Very Low Inflation

34.49

42.40%

61.89

155.53%

102.09

321.51%

156.56

546.41%

200.84

729.23%
Current Inflation

30.11

24.32%

53.87

122.42%

88.06

263.58%

134.15

453.88%

171.36

607.51%
Very High Inflation

24.61

1.61%

44.10

82.08%

71.41

194.84%

108.00

345.91%

137.27

466.76%

Historical Ally Financial Fair Value Estimates


Very Pessimistic Case
Pessimistic Case
Fair Value
Optimistic Case
Very Optimistic Case
Closing Stock Price

Recent SEC filings of Ally Financial

View All Filings
Date Filed Form Type Document
Mar 24, 2023
8-K
Current Report
Mar 21, 2023
ARS
ARS
Mar 21, 2023
DEF 14A
DEF 14A
Mar 21, 2023
DEFA14A
DEFA14A
Mar 13, 2023
424B2
Prospectus Filed
Mar 06, 2023
424B2
Prospectus Filed
Mar 06, 2023
424B2
Prospectus Filed
Feb 27, 2023
424B2
Prospectus Filed
Feb 27, 2023
424B2
Prospectus Filed
Feb 24, 2023
10-K
Annual Report

Latest Insider Trading transactions for ALLY

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2023-02-03
Timmerman Douglas R.
sold (taxes)
-374,543
32.33
-11,585
president, auto finance
2023-02-03
DEBRUNNER DAVID J
sold (taxes)
-172,998
32.33
-5,351
vp, cao, controller
2023-02-03
Schugel Jason E.
sold (taxes)
-189,906
32.33
-5,874
chief risk officer
2023-02-03
Brown Bradley J.
sold (taxes)
-334,616
32.33
-10,350
interim cfo
2023-02-03
Morais Diane E.
sold (taxes)
-355,986
32.33
-11,011
president, ally bank
2023-02-03
Stengel Scott A
sold (taxes)
-227,215
32.33
-7,028
general counsel
2023-02-03
Brown Jeffrey Jonathan
sold (taxes)
-1,276,030
32.33
-39,469
chief executive officer
2023-01-27
Brown Jeffrey Jonathan
acquired
3,984,510
32.33
123,245
chief executive officer
2023-01-27
DEBRUNNER DAVID J
acquired
453,234
32.33
14,019
vp, cao, controller
2023-01-27
Timmerman Douglas R.
acquired
1,353,240
32.33
41,857
president, auto finance

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

2022-12-31
Consolidated Statement of Income - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Financing revenue and other interest income   
Interest and fees on finance receivables and loans$ 8,099$ 6,468$ 6,581
Interest on loans held-for-sale311817
Interest and dividends on investment securities and other earning assets841600736
Interest on cash and cash equivalents541528
Operating leases1,5961,5501,435
Total financing revenue and other interest income10,6218,6518,797
Interest expense   
Interest on deposits1,9871,0451,952
Interest on short-term borrowings107142
Interest on long-term debt7638601,249
Interest on other080
Total interest expense2,8571,9143,243
Net depreciation expense on operating lease assets914570851
Net financing revenue and other interest income6,8506,1674,703
Other revenue   
Insurance premiums and service revenue earned1,1511,1171,103
Gain on mortgage and automotive loans, net5287110
Loss on extinguishment of debt0(136)(102)
Other (loss) gain on investments, net(120)285307
Other income, net of losses495686565
Total other revenue1,5782,0391,983
Total net revenue8,4288,2066,686
Provision for credit losses1,3992411,439
Noninterest expense   
Compensation and benefits expense1,9001,6431,376
Insurance losses and loss adjustment expenses280261363
Goodwill impairment0050
Other operating expenses2,5072,2062,044
Total noninterest expense4,6874,1103,833
Income from continuing operations before income tax expense2,3423,8551,414
Income tax expense from continuing operations627790328
Net income from continuing operations[1]1,7153,0651,086
Loss from discontinued operations, net of tax(1)(5)(1)
Net income1,7143,0601,085
Net income from continuing operations attributable to common stockholders[1]1,6053,0081,086
Loss from discontinued operations, net of tax(1)(5)[1](1)[1]
Net income attributable to common stockholders[1]$ 1,604$ 3,003$ 1,085
Basic weighted-average common shares outstanding (in shares)[1],[2]316,690,000362,583,000375,629,000
Diluted weighted-average common shares outstanding (in shares)[1],[2]318,629,000365,180,000377,101,000
Basic earnings per common share   
Net income from continuing operations (in dollars per share)[1]$ 5.07$ 8.30$ 2.89
Loss from discontinued operations, net of tax (in dollars per share)[1]0(0.01)0
Net income (in dollars per share)[1]5.068.282.89
Diluted earnings per common share   
Net income from continuing operations (in dollars per share)[1]5.048.242.88
Loss from discontinued operations, net of tax (in dollars per share)[1]0(0.01)0
Net income (in dollars per share)[1]5.038.222.88
Cash dividends declared per common share (in dollars per share)[1]$ 1.20$ 0.88$ 0.76
Antidilutive securities excluded from computation of earnings per share, amount (in shares)00800,000
[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.(c)During the year ended December 31, 2020, there were 0.8 million in shares underlying share-based awards excluded because their inclusion would have been antidilutive. There were no antidilutive shares during the years ended December 31, 2022, and 2021.

ALLY Balance Sheet

2022-12-31
Consolidated Balance Sheet - USD ($)
$ in Millions
Dec. 31, 2022
Dec. 31, 2021
Cash and cash equivalents  
Noninterest-bearing$ 542$ 502
Interest-bearing5,0294,560
Total cash and cash equivalents5,5715,062
Carrying amount, equity investments without a readily determinable fair value6811,102
Available-for-sale securities[1]29,54133,587
Held-to-maturity securities1,0621,170
Loans held-for-sale, net654549
Finance receivables and loans, net  
Finance receivables and loans, net of unearned income135,748122,268
Allowance for loan losses(3,711)(3,267)
Total finance receivables and loans, net132,037119,001
Investment in operating leases, net10,44410,862
Premiums receivable and other insurance assets2,6982,724
Other assets9,1388,057
Total assets191,826182,114
Deposit liabilities  
Noninterest-bearing185150
Interest-bearing152,112141,408
Total deposit liabilities152,297141,558
Short-term borrowings2,3990
Long-term debt17,76217,029
Interest payable408210
Unearned insurance premiums and service revenue3,4533,514
Accrued expenses and other liabilities2,6482,753
Total liabilities178,967165,064
Commitments and contingencies (refer to Note 28 and Note 29)
Equity  
Common stock and paid-in capital ($0.01 par value, shares authorized 1,100,000,000; issued 507,682,838 and 504,521,535; and outstanding 299,324,357 and 337,940,636)21,81621,671
Preferred stock2,3242,324
Accumulated deficit(384)(1,599)
Accumulated other comprehensive loss(4,059)(158)
Treasury stock, at cost (208,358,481 and 166,580,899 shares)(6,838)(5,188)
Total equity12,85917,050
Total liabilities and equity$ 191,826$ 182,114
[1]Refer to Note 8 for discussion of investment securities pledged as collateral.