Last 7 days
3.3%
Last 30 days
-19.4%
Last 90 days
1.2%
Trailing 12 Months
-44.4%
Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
---|---|---|---|---|---|---|---|---|
LARGE-CAP | ||||||||
AXP | 121.2B | 43.0B | -8.54% | -14.53% | 16.13 | 2.82 | 24.07% | -6.77% |
DFS | 25.8B | 12.9B | -15.27% | -15.60% | 5.87 | 2 | 20.78% | -19.40% |
SYF | 12.4B | 16.9B | -20.90% | -21.47% | 4.11 | 0.74 | 10.86% | -28.55% |
MID-CAP | ||||||||
ALLY | 7.2B | 10.6B | -19.43% | -44.41% | 4.23 | 0.68 | 22.77% | -43.99% |
CACC | 5.2B | 1.8B | -11.10% | -23.00% | 9.77 | 2.86 | -1.27% | -44.09% |
OMF | 4.2B | 4.4B | -20.69% | -20.94% | 4.73 | 0.94 | 1.63% | -33.18% |
NNI | 3.4B | 1.2B | -4.74% | 5.68% | 8.23 | 2.69 | 27.53% | 3.58% |
SLM | 2.8B | 2.0B | -21.57% | -37.97% | 6.16 | 1.39 | 14.34% | -60.20% |
SMALL-CAP | ||||||||
ENVA | 1.4B | 1.7B | -14.98% | 8.77% | 6.53 | 0.78 | 43.72% | -19.07% |
ECPG | 1.1B | 1.4B | -20.72% | -27.65% | 5.62 | 0.78 | -13.39% | -44.53% |
GDOT | 844.4M | 1.4B | -9.24% | -41.78% | 13.15 | 0.58 | 1.14% | 35.24% |
LC | 733.0M | 712.4M | -29.12% | -58.09% | 2.53 | 1.03 | 17.60% | 1459.12% |
WRLD | 485.6M | 621.6M | -17.64% | -58.55% | 34.76 | 0.78 | 10.55% | -82.63% |
TREE | 330.5M | 985.0M | -35.05% | -77.98% | -1.76 | 0.34 | -10.33% | -371.94% |
Income Statement (Last 12 Months) | (In Millions) | |||||
---|---|---|---|---|---|---|
Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
Revenue | 8.6% | 10,621 | 9,777 | 9,193 | 8,870 | 8,651 |
EBITDA | 5.0% | 6,526 | 6,213 | 6,300 | 6,679 | - |
EBITDA Margin | -3.3% | 0.61* | 0.64* | 0.69* | 0.75* | - |
Earnings Before Taxes | -16.2% | 2,342 | 2,796 | 3,286 | 3,694 | 3,855 |
EBT Margin | -22.9% | 0.22* | 0.29* | 0.36* | 0.42* | - |
Interest Expenses | 36.9% | 2,857 | 2,087 | 1,727 | 1,758 | 1,914 |
Net Income | -17.9% | 1,714 | 2,088 | 2,501 | 2,919 | 3,060 |
Net Income Margin | -24.4% | 0.16* | 0.21* | 0.27* | 0.33* | - |
Free Cahsflow | 3.5% | 6,247 | 6,033 | 5,892 | 4,513 | - |
Balance Sheet | (In Millions) | |||||
---|---|---|---|---|---|---|
Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
Assets | 1.7% | 191,826 | 188,640 | 185,703 | 184,297 | 182,114 |
Cash Equivalents | 11.3% | 5,571 | 5,004 | 4,167 | 3,932 | 5,062 |
Liabilities | 1.6% | 178,967 | 176,206 | 171,719 | 168,884 | 165,064 |
. Short Term Borrowings | -66.7% | 2,399 | 7,200 | 7,775 | 3,950 | - |
Long Term Debt | 6.8% | 17,762 | 16,628 | 16,984 | 15,885 | 17,029 |
Shareholder's Equity | 3.4% | 12,859 | 12,434 | 13,984 | 15,413 | 17,050 |
Retained Earnings | 29.4% | -384 | -544 | -721 | -1,076 | -1,599 |
Shares Outstanding | -0.3% | 299 | 300 | 313 | 327 | 338 |
Cashflow (Last 12 Months) | (In Millions) | |||||
---|---|---|---|---|---|---|
Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
Cashflow From Operations | 3.5% | 6,247 | 6,033 | 5,892 | 4,513 | 4,042 |
Cashflow From Investing | 26.3% | -17,263 | -23,431 | -20,442 | -17,235 | -11,098 |
Cashflow From Financing | -0.1% | 11,575 | 11,590 | 4,868 | 306 | -3,848 |
Dividend Payments | -0.3% | 384 | 385 | 383 | 355 | 324 |
Buy Backs | -24.8% | 1,650 | 2,193 | 2,457 | 2,359 | 1,994 |
61.9%
36.1%
30.4%
Y-axis is the maximum loss one would have experienced if Ally Financial was unfortunately bought at previous high price.
6.4%
1.1%
22.5%
FIve years rolling returns for Ally Financial.
Datesorted ascending | Fund Name | Type | % 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 | -% |
Date Filed | Name of Filer | Percent of Class | No. of Shares | Form 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 |
Fair Value | Very Pessimistic | Pessimistic | Base Case | Optimistic | Very 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% |
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 |
Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
---|---|---|---|---|---|---|
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 |
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-sale | 31 | 18 | 17 | ||||||
Interest and dividends on investment securities and other earning assets | 841 | 600 | 736 | ||||||
Interest on cash and cash equivalents | 54 | 15 | 28 | ||||||
Operating leases | 1,596 | 1,550 | 1,435 | ||||||
Total financing revenue and other interest income | 10,621 | 8,651 | 8,797 | ||||||
Interest expense | |||||||||
Interest on deposits | 1,987 | 1,045 | 1,952 | ||||||
Interest on short-term borrowings | 107 | 1 | 42 | ||||||
Interest on long-term debt | 763 | 860 | 1,249 | ||||||
Interest on other | 0 | 8 | 0 | ||||||
Total interest expense | 2,857 | 1,914 | 3,243 | ||||||
Net depreciation expense on operating lease assets | 914 | 570 | 851 | ||||||
Net financing revenue and other interest income | 6,850 | 6,167 | 4,703 | ||||||
Other revenue | |||||||||
Insurance premiums and service revenue earned | 1,151 | 1,117 | 1,103 | ||||||
Gain on mortgage and automotive loans, net | 52 | 87 | 110 | ||||||
Loss on extinguishment of debt | 0 | (136) | (102) | ||||||
Other (loss) gain on investments, net | (120) | 285 | 307 | ||||||
Other income, net of losses | 495 | 686 | 565 | ||||||
Total other revenue | 1,578 | 2,039 | 1,983 | ||||||
Total net revenue | 8,428 | 8,206 | 6,686 | ||||||
Provision for credit losses | 1,399 | 241 | 1,439 | ||||||
Noninterest expense | |||||||||
Compensation and benefits expense | 1,900 | 1,643 | 1,376 | ||||||
Insurance losses and loss adjustment expenses | 280 | 261 | 363 | ||||||
Goodwill impairment | 0 | 0 | 50 | ||||||
Other operating expenses | 2,507 | 2,206 | 2,044 | ||||||
Total noninterest expense | 4,687 | 4,110 | 3,833 | ||||||
Income from continuing operations before income tax expense | 2,342 | 3,855 | 1,414 | ||||||
Income tax expense from continuing operations | 627 | 790 | 328 | ||||||
Net income from continuing operations | [1] | 1,715 | 3,065 | 1,086 | |||||
Loss from discontinued operations, net of tax | (1) | (5) | (1) | ||||||
Net income | 1,714 | 3,060 | 1,085 | ||||||
Net income from continuing operations attributable to common stockholders | [1] | 1,605 | 3,008 | 1,086 | |||||
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] | 316,690,000 | 362,583,000 | 375,629,000 | |||||
Diluted weighted-average common shares outstanding (in shares) | [1],[2] | 318,629,000 | 365,180,000 | 377,101,000 | |||||
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] | 5.06 | 8.28 | 2.89 | |||||
Diluted earnings per common share | |||||||||
Net income from continuing operations (in dollars per share) | [1] | 5.04 | 8.24 | 2.88 | |||||
Loss from discontinued operations, net of tax (in dollars per share) | [1] | 0 | (0.01) | 0 | |||||
Net income (in dollars per share) | [1] | 5.03 | 8.22 | 2.88 | |||||
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) | 0 | 0 | 800,000 | ||||||
|
Consolidated Balance Sheet - USD ($) $ in Millions | Dec. 31, 2022 | Dec. 31, 2021 | ||
---|---|---|---|---|
Cash and cash equivalents | ||||
Noninterest-bearing | $ 542 | $ 502 | ||
Interest-bearing | 5,029 | 4,560 | ||
Total cash and cash equivalents | 5,571 | 5,062 | ||
Carrying amount, equity investments without a readily determinable fair value | 681 | 1,102 | ||
Available-for-sale securities | [1] | 29,541 | 33,587 | |
Held-to-maturity securities | 1,062 | 1,170 | ||
Loans held-for-sale, net | 654 | 549 | ||
Finance receivables and loans, net | ||||
Finance receivables and loans, net of unearned income | 135,748 | 122,268 | ||
Allowance for loan losses | (3,711) | (3,267) | ||
Total finance receivables and loans, net | 132,037 | 119,001 | ||
Investment in operating leases, net | 10,444 | 10,862 | ||
Premiums receivable and other insurance assets | 2,698 | 2,724 | ||
Other assets | 9,138 | 8,057 | ||
Total assets | 191,826 | 182,114 | ||
Deposit liabilities | ||||
Noninterest-bearing | 185 | 150 | ||
Interest-bearing | 152,112 | 141,408 | ||
Total deposit liabilities | 152,297 | 141,558 | ||
Short-term borrowings | 2,399 | 0 | ||
Long-term debt | 17,762 | 17,029 | ||
Interest payable | 408 | 210 | ||
Unearned insurance premiums and service revenue | 3,453 | 3,514 | ||
Accrued expenses and other liabilities | 2,648 | 2,753 | ||
Total liabilities | 178,967 | 165,064 | ||
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) | 21,816 | 21,671 | ||
Preferred stock | 2,324 | 2,324 | ||
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 equity | 12,859 | 17,050 | ||
Total liabilities and equity | $ 191,826 | $ 182,114 | ||
|