Ally Financial Inc Stock Research

Market Summary

USD24.220.00

Market Closed

0.00%

ALLY Alerts

Big jump in Revenue (Y/Y)
Big fall in earnings (Y/Y)

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

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%

Financials for Ally Financial

* denotes actual numbers (not divided by Millions)
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	-

* denotes actual numbers (not divided by Millions)
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

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 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	-%

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

Schedule 13G FIlings of Ally Financial

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

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 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%

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 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

About Ally Financial

Jeffrey J. Brown

www.ally.com

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-sale

Interest and dividends on investment securities and other earning assets

841

600

736

Interest on cash and cash equivalents

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

Interest on long-term debt

763

860

1,249

Interest on other

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

110

Loss on extinguishment of debt

(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

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]

(0.01)

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]

(0.01)

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)

800,000

[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-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

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

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

[1]	Refer to Note 8 for discussion of investment securities pledged as collateral.