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Also traded in: Germany, USA

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.09
ALFI's Cash to Debt is ranked lower than
93% of the 1088 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.69 vs. ALFI: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
ALFI' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.12 Max: N/A
Current: 0.09
Equity to Asset 0.09
ALFI's Equity to Asset is ranked lower than
66% of the 1578 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. ALFI: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
ALFI' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.10 Max: 0.13
Current: 0.09
0.09
0.13
Interest Coverage 0.34
ALFI's Interest Coverage is ranked lower than
87% of the 1429 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.82 vs. ALFI: 0.34 )
Ranked among companies with meaningful Interest Coverage only.
ALFI' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.15 Max: 0.45
Current: 0.34
0.11
0.45
F-Score: 5
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 28.66
ALFI's Operating margin (%) is ranked lower than
57% of the 1590 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.86 vs. ALFI: 28.66 )
Ranked among companies with meaningful Operating margin (%) only.
ALFI' s Operating margin (%) Range Over the Past 10 Years
Min: -111.4  Med: 9.94 Max: 26.79
Current: 28.66
-111.4
26.79
Net-margin (%) 26.52
ALFI's Net-margin (%) is ranked higher than
64% of the 1593 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.37 vs. ALFI: 26.52 )
Ranked among companies with meaningful Net-margin (%) only.
ALFI' s Net-margin (%) Range Over the Past 10 Years
Min: -166.04  Med: 11.27 Max: 26.79
Current: 26.52
-166.04
26.79
ROE (%) -8.25
ALFI's ROE (%) is ranked lower than
96% of the 1589 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.01 vs. ALFI: -8.25 )
Ranked among companies with meaningful ROE (%) only.
ALFI' s ROE (%) Range Over the Past 10 Years
Min: -7.67  Med: -4.04 Max: 5.96
Current: -8.25
-7.67
5.96
ROA (%) 0.83
ALFI's ROA (%) is ranked lower than
53% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.86 vs. ALFI: 0.83 )
Ranked among companies with meaningful ROA (%) only.
ALFI' s ROA (%) Range Over the Past 10 Years
Min: -0.09  Med: 0.65 Max: 1.25
Current: 0.83
-0.09
1.25
Revenue Growth (3Y)(%) 5.30
ALFI's Revenue Growth (3Y)(%) is ranked lower than
100% of the 1284 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.10 vs. ALFI: 5.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ALFI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.1  Med: -30.90 Max: 5.3
Current: 5.3
-34.1
5.3
» ALFI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with ALFI

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» Interactive Charts

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Preferred stocks of Ally Financial Inc

SymbolPriceYieldDescription
ALFI18.98368.777 % Perp Pfd Shs Series -G- Reg-S
ALLYPRB24.808.67Fixed to Floating Rate Perp Pfd Shs Series -A-
GMSPZ0.000.007 % Perp Pfd Shs Series -G

Ratios

vs
industry
vs
history
Forward P/E 6.40
ALFI's Forward P/E is ranked higher than
83% of the 1322 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.27 vs. ALFI: 6.40 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.64
ALFI's P/B is ranked higher than
74% of the 2247 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.01 vs. ALFI: 0.64 )
Ranked among companies with meaningful P/B only.
ALFI' s P/B Range Over the Past 10 Years
Min: 0.55  Med: 0.78 Max: 1.01
Current: 0.64
0.55
1.01
P/S 1.79
ALFI's P/S is ranked higher than
73% of the 2511 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.55 vs. ALFI: 1.79 )
Ranked among companies with meaningful P/S only.
ALFI' s P/S Range Over the Past 10 Years
Min: 1.68  Med: 2.31 Max: 2.74
Current: 1.79
1.68
2.74
POCF 1.65
ALFI's POCF is ranked higher than
84% of the 1518 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.30 vs. ALFI: 1.65 )
Ranked among companies with meaningful POCF only.
ALFI' s POCF Range Over the Past 10 Years
Min: 1.55  Med: 3.60 Max: 37.8
Current: 1.65
1.55
37.8
EV-to-EBIT 6.55
ALFI's EV-to-EBIT is ranked higher than
82% of the 2121 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.36 vs. ALFI: 6.55 )
Ranked among companies with meaningful EV-to-EBIT only.
ALFI' s EV-to-EBIT Range Over the Past 10 Years
Min: 61  Med: 69.10 Max: 114.9
Current: 6.55
61
114.9
EV-to-EBITDA 1.84
ALFI's EV-to-EBITDA is ranked higher than
96% of the 2129 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.08 vs. ALFI: 1.84 )
Ranked among companies with meaningful EV-to-EBITDA only.
ALFI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 18  Med: 19.45 Max: 22.4
Current: 1.84
18
22.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 368.77
ALFI's Dividend Yield is ranked lower than
99.99% of the 2412 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.03 vs. ALFI: 368.77 )
Ranked among companies with meaningful Dividend Yield only.
ALFI' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 371.71
Current: 368.77
0
371.71
Yield on cost (5-Year) 368.77
ALFI's Yield on cost (5-Year) is ranked lower than
100% of the 2446 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.42 vs. ALFI: 368.77 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ALFI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 368.77
3-Year Average Share Buyback Ratio -5.30
ALFI's 3-Year Average Share Buyback Ratio is ranked lower than
68% of the 1061 Companies
in the Global Specialty Finance industry.

( Industry Median: -1.70 vs. ALFI: -5.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ALFI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -36  Med: -19.20 Max: -5.3
Current: -5.3
-36
-5.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.64
ALFI's Price/Tangible Book is ranked higher than
83% of the 2191 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.08 vs. ALFI: 0.64 )
Ranked among companies with meaningful Price/Tangible Book only.
ALFI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.69  Med: 0.80 Max: 1.01
Current: 0.64
0.69
1.01
Price/Median PS Value 0.77
ALFI's Price/Median PS Value is ranked higher than
75% of the 2108 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.94 vs. ALFI: 0.77 )
Ranked among companies with meaningful Price/Median PS Value only.
ALFI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.94  Med: 1.02 Max: 1.2
Current: 0.77
0.94
1.2
Earnings Yield (Greenblatt) (%) 15.30
ALFI's Earnings Yield (Greenblatt) (%) is ranked higher than
83% of the 1519 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.20 vs. ALFI: 15.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ALFI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 1.45 Max: 1.6
Current: 15.3
0.9
1.6
Forward Rate of Return (Yacktman) (%) -2.89
ALFI's Forward Rate of Return (Yacktman) (%) is ranked lower than
82% of the 869 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.65 vs. ALFI: -2.89 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ALFI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -5.6  Med: -4.50 Max: -4.5
Current: -2.89
-5.6
-4.5

More Statistics

Short Percentage of Float0.00%
52-Week Range $18.83 - 27.90

Business Description

Industry: Banks » Specialty Finance
Compare: » details
Traded in other countries:GMZ.Germany, ALLYPRB.USA,
Ally Financial Inc was founded in 1919. The Company is an independent, automotive financial services firm. The Company is engaged in Dealer Financial Services and Mortgage, Corporate and Other business. Dealer Financial Services includes its Automotive Finance operations and Insurance operations. Its primary customers are automotive dealers, which are typically independently owned businesses. Dealer Financial Services operations offer financial services and insurance products to approximately 17,000 automotive dealerships and approximately 4.4 million of their retail customers. Automotive Finance operations consist of automotive finance business generated in the United States. The commercial automotive financing operations fund dealer inventory purchases of new and used vehicles, commonly referred to as wholesale or floorplan financing. Its Insurance operations offer both consumer finance protection and insurance products sold through the automotive dealer channel, and commercial insurance products sold directly to dealers. It offers dealers consumer financial and insurance products, it provides vehicle service contracts, maintenance coverage, and GAP products. The vehicle service contracts for retail customers offer owners and lessees mechanical repair protection and roadside assistance for new and used vehicles beyond the manufacturer's new vehicle warranty. Consumer mortgage consists of first mortgage, subordinate-lien mortgages and home equity loans. Commercial & industrial mortgage consists of warehouse lending. Corporate and Other consists of its Commercial Finance Group, its centralized corporate treasury activities, such as management of the cash and corporate investment securities portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, the amortization of the discount associated with debt issuance and bond exchanges, and the residual impacts of its corporate funds-transfer pricing (FTP) and treasury asset liability management (ALM) activities. Ally Bank, a banking subsidiary of Company, raises deposits directly from customers through direct banking via the internet, telephone, mobile, and mail channels. It offers deposit product offerings including savings and money market accounts, certificates of deposit, interest-bearing checking accounts, trust accounts, and individual retirement accounts. The insurance business faces competition from automotive manufacturers, insurance carriers, third-party administrators, brokers, and other insurance-related companies. Ally Bank faces competition from commercial banks, savings institutions, and other financial institutions. The Company is subject to various regulatory, financial, and other requirements of the jurisdictions in which its businesses operate.

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