US stock · Financial Services sector · Credit Services
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Ally Financial Inc.

ALLYNYSE

29.85

USD
-0.83
(-2.71%)
Market Closed
4.27P/E
4Forward P/E
0.21P/E to S&P500
9.210BMarket CAP
3.59%Div Yield
Upcoming Earnings
19 Oct
Shares Short
8/31/22
11.95M
Short % of Float
4.40%
Short % of Shares Outs.
3.87%
% Held by Insiders
0.61%
% Held by Institutions
95.70%
Beta
1.30
PEG Ratio
-0.41
52w. high/low
56.28/29.16
Avg. Daily Volume
3.85M
Return %
Stock
S&P 500
1 year
(43.44)
(16.94)
3 years
(11.37)
24.12
5 years
28.17
47.77
Scale: |
High
Low
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
27.90
19.42
24.00
18.19
20.60
14.55
29.50
18.11
31.29
20.60
35.42
22.08
35.92
10.22
56.61
35.30
53.83
29.16
Currency: USD
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
TTM
Revenue per share
45.75
36.85
24.30
21.07
22.81
16.01
14.69
12.40
13.95
14.57
14.14
14.52
14.92
17.39
18.53
23.73
26.07
Earnings per share
5.15
(5.65)
4.53
(24.96)
2.61
(0.38)
2.90
0.75
2.39
2.67
2.22
2.05
2.97
4.36
2.89
8.15
6.98
FCF per share
(79.85)
(38.31)
8.61
(14.21)
19.39
(2.51)
(5.80)
(13.95)
(13.47)
0.85
2.69
0.06
1.04
0.07
(1.55)
10.76
26.18
Dividends per share
11.52
0.43
0.27
3.86
3.04
1.98
1.94
1.69
0.56
5.32
0.22
0.41
0.57
0.69
0.77
- -
0.75
CAPEX per share
44.23
41.85
25.55
1.77
8.74
15.82
18.04
19.17
20.54
9.70
6.81
8.93
8.72
10.23
11.50
- -
6.31
Book Value per sh.
34.83
37.72
52.97
50.51
49.66
46.95
48.23
29.61
32.00
27.83
27.68
29.74
31.21
36.66
39.14
45.39
46.77
Comm.Shares outs.
413
413
413
413
413
413
413
480
481
483
481
454
425
393
376
376
341
Avg. annual P/E ratio
- -
- -
- -
- -
- -
- -
- -
- -
10.2
7.9
8.1
11.0
9.0
6.8
8.3
5.9
4.3
P/E to S&P500
- -
- -
- -
- -
- -
- -
- -
- -
0.6
0.4
0.4
0.5
0.4
0.3
0.2
0.2
0.2
Avg. annual div. yield
- -
- -
- -
- -
- -
- -
- -
- -
2.3%
25.2%
1.2%
1.8%
2.1%
2.3%
3.2%
- -
1.8%
Revenue (m)
18,877
15,204
10,025
8,692
9,412
6,605
6,063
5,947
6,712
7,037
6,804
6,587
6,343
6,838
6,961
8,912
8,881
Operating margin
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
5.3%
Depreciation (m)
7,302
7,197
8,972
6,100
4,972
2,713
2,381
2,864
2,936
2,801
2,382
1,859
1,649
1,555
1,550
1,261
1,179
Net profit (m)
2,125
(2,332)
1,868
(10,298)
1,075
(157)
1,196
361
1,150
1,289
1,067
929
1,263
1,715
1,085
3,060
2,501
Income tax rate
4.6%
(20.1)%
(0.4)%
(1.0)%
13.0%
267.2%
170.1%
(16.5)%
25.8%
35.6%
29.7%
38.6%
22.1%
12.5%
23.2%
20.5%
23.7%
Net profit margin
11.3%
(15.3)%
18.6%
(118.5)%
11.4%
(2.4)%
19.7%
6.1%
17.1%
18.3%
15.7%
14.1%
19.9%
25.1%
15.6%
34.3%
28.4%
Working capital (m)
220,329
171,487
141,391
132,698
131,394
144,444
143,943
(8,347)
(7,063)
(8,194)
123,302
128,584
138,948
131,724
133,756
- -
24,645
Long-term debt (m)
193,387
159,342
115,935
89,974
86,491
92,559
71,938
69,465
66,558
66,234
54,128
44,226
44,193
34,223
22,193
17,029
16,984
Equity (m)
14,369
15,565
21,854
20,839
20,489
19,371
19,898
14,208
15,399
13,439
13,317
13,494
13,268
14,416
14,703
17,050
13,984
ROIC
6.3%
6.8%
7.6%
(1.6)%
4.4%
(6.0)%
(1.7)%
3.0%
2.2%
1.8%
1.9%
1.7%
2.4%
3.1%
2.0%
2.5%
2.2%
Return on capital
6.2%
5.2%
7.2%
(1.5)%
4.7%
3.4%
2.3%
2.4%
2.8%
2.7%
2.5%
2.6%
2.9%
3.4%
2.6%
3.2%
2.7%
Return on equity
14.8%
(15.0)%
8.5%
(49.4)%
5.2%
(0.8)%
6.0%
2.5%
7.5%
9.6%
8.0%
6.9%
9.5%
11.9%
7.4%
17.9%
17.9%
Plowback ratio
(123.8)%
107.7%
94.0%
115.5%
(16.6)%
621.7%
32.9%
(124.4)%
76.7%
(99.5)%
89.9%
80.2%
80.8%
84.1%
73.4%
100.0%
89.8%
Div.&Repurch./FCF
(14.4)%
- -
3.2%
- -
15.7%
- -
(33.5)%
(81.6)%
(4.1)%
763.4%
88.6%
3,470.4%
267.8%
4,859.3%
(68.0)%
- -
45.2%
Capital Structure
1 Aug · 2022 | Q2
All numbers in millions
Total liabilities
$ 171,719
Total assets
$ 185,703
Long-term debt
$ 16,984
Cash and equiv.
$ 4,167
Goodwill
$ - -
Retained earnings
$ (721)
Common stock
322
Enterprise Value
$ 22,027
Working Capital
Currency: USD, in millions
2019
2020
2021
Cash & Investments
31,939
45,306
5,062
Receivables
706
870
- -
Inventory
- -
- -
- -
Other
105,786
102,796
(3,555)
Current assets
138,431
136,906
- -
Acc. Payable
1,176
1,014
210
Debt due
5,531
2,136
- -
Other
- -
- -
(210)
Current liabilities
6,707
3,150
- -
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
28.03%
8.48%
4.80%
Cash flow
(795.70)%
(402.02)%
(157.85)%
Earnings
182.03%
54.26%
38.63%
Dividends
- -
- -
- -
Book value
15.96%
6.23%
(0.84)%
Insider Trading
Type
Shares
Date
Reilly David
Award
629
07/08/22
Goldman Melissa
Award
629
07/08/22
Cary William H
Award
3,664
05/13/22
Steib Michael F
Award
3,664
05/13/22
Sharples Brian
Award
3,664
05/13/22
Quarterly Revenue
Currency: USD, in millions
Year
1Q
2Q
3Q
4Q
Total
2020
1,535
1,681
1,715
2,029
6,960
2021
1,951
2,071
2,008
2,395
8,425
2022
2,183
2,295
- -
- -
- -
Earnings per share
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
(0.85)
0.64
1.27
1.83
2.89
2021
2.12
2.40
1.90
1.74
8.15
2022
1.95
1.50
- -
- -
- -
Quarterly dividends paid
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
0.19
0.19
0.19
0.19
0.77
2021
0.19
0.19
0.32
- -
0.71
2022
0.39
- -
- -
- -
- -
Company Description
Sector:
Financial Services
Industry:
Credit Services
CEO:
Mr. Jeffrey Brown
Full-time employees:
10,500
City:
Detroit
Address:
500 Woodward Ave Fl 10
IPO:
Apr 10, 2014
Website:
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.