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Also traded in: Germany

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
ALLY's Cash to Debt is ranked lower than
96% of the 1134 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.18 vs. ALLY: 0.09 )
Ranked among companies with meaningful Cash to Debt only.
ALLY' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.11 Max: N/A
Current: 0.09
Equity to Asset 0.09
ALLY's Equity to Asset is ranked lower than
66% of the 1602 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. ALLY: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
ALLY' 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 0.37
ALLY's Interest Coverage is ranked lower than
83% of the 1585 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.62 vs. ALLY: 0.37 )
Ranked among companies with meaningful Interest Coverage only.
ALLY' s Interest Coverage Range Over the Past 10 Years
Min: 0.01  Med: 0.17 Max: 0.45
Current: 0.37
0.01
0.45
F-Score: 5
M-Score: -2.51
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 (%) 31.13
ALLY's Operating margin (%) is ranked lower than
52% of the 1621 Companies
in the Global Specialty Finance industry.

( Industry Median: 31.11 vs. ALLY: 31.13 )
Ranked among companies with meaningful Operating margin (%) only.
ALLY' s Operating margin (%) Range Over the Past 10 Years
Min: -111.4  Med: 8.37 Max: 28.66
Current: 31.13
-111.4
28.66
Net-margin (%) 21.42
ALLY's Net-margin (%) is ranked lower than
63% of the 1620 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.40 vs. ALLY: 21.42 )
Ranked among companies with meaningful Net-margin (%) only.
ALLY' s Net-margin (%) Range Over the Past 10 Years
Min: -166.04  Med: 14.07 Max: 26.52
Current: 21.42
-166.04
26.52
ROE (%) -1.02
ALLY's ROE (%) is ranked lower than
96% of the 1615 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.20 vs. ALLY: -1.02 )
Ranked among companies with meaningful ROE (%) only.
ALLY' s ROE (%) Range Over the Past 10 Years
Min: -8.89  Med: -4.33 Max: 5.96
Current: -1.02
-8.89
5.96
ROA (%) 0.73
ALLY's ROA (%) is ranked lower than
66% of the 1625 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.87 vs. ALLY: 0.73 )
Ranked among companies with meaningful ROA (%) only.
ALLY' s ROA (%) Range Over the Past 10 Years
Min: -0.09  Med: 0.71 Max: 1.25
Current: 0.73
-0.09
1.25
Revenue Growth (3Y)(%) -5.30
ALLY's Revenue Growth (3Y)(%) is ranked lower than
80% of the 1336 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.80 vs. ALLY: -5.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ALLY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -32  Med: -22.00 Max: -5.3
Current: -5.3
-32
-5.3
EBITDA Growth (3Y)(%) 30.10
ALLY's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 1226 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.80 vs. ALLY: 30.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ALLY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.7  Med: 8.80 Max: 30.1
Current: 30.1
-28.7
30.1
EPS Growth (3Y)(%) 73.80
ALLY's EPS Growth (3Y)(%) is ranked higher than
96% of the 1211 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.40 vs. ALLY: 73.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ALLY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -76.4  Med: -24.60 Max: 73.8
Current: 73.8
-76.4
73.8
» ALLY's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-29)


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

» Details

Guru Trades

Q2 2015

ALLY Guru Trades in Q2 2015

Jeremy Grantham 2,514,100 sh (+13.55%)
Richard Perry 22,009,083 sh (unchged)
Michael Price 707,500 sh (unchged)
George Soros 2,084,595 sh (unchged)
Louis Moore Bacon Sold Out
Chuck Royce Sold Out
Richard Snow 2,546,295 sh (-0.50%)
Howard Marks 9,003,530 sh (-5.86%)
Paul Tudor Jones 17,314 sh (-52.76%)
Daniel Loeb 10,000,000 sh (-61.54%)
Steven Cohen 59,000 sh (-74.10%)
» More
Q3 2015

ALLY Guru Trades in Q3 2015

David Dreman 820 sh (New)
Steven Cohen 69,100 sh (+17.12%)
Richard Perry 22,604,500 sh (+2.71%)
Michael Price 707,500 sh (unchged)
George Soros 2,084,595 sh (unchged)
Paul Tudor Jones Sold Out
Daniel Loeb Sold Out
Howard Marks 8,630,530 sh (-4.14%)
Richard Snow 2,340,892 sh (-8.07%)
Jeremy Grantham 2,309,100 sh (-8.15%)
» More
Q4 2015

ALLY Guru Trades in Q4 2015

Jim Simons 129,400 sh (New)
Bill Nygren 10,456,000 sh (New)
Steven Cohen 869,000 sh (+1157.60%)
Michael Price 717,500 sh (+1.41%)
Howard Marks 8,630,530 sh (unchged)
Richard Perry 22,604,500 sh (unchged)
David Dreman Sold Out
Jeremy Grantham 2,140,300 sh (-7.31%)
Richard Snow 2,063,748 sh (-11.84%)
George Soros 1,515,657 sh (-27.29%)
» More
Q1 2016

ALLY Guru Trades in Q1 2016

First Pacific Advisors 2,654,061 sh (New)
David Dreman 559 sh (New)
Jeremy Grantham 4,380,230 sh (+104.65%)
Bill Nygren 15,674,000 sh (+49.90%)
Howard Marks 9,630,530 sh (+11.59%)
Richard Perry 22,604,500 sh (unchged)
George Soros Sold Out
Richard Snow 1,826,383 sh (-11.50%)
Jim Simons 82,000 sh (-36.63%)
Michael Price 272,000 sh (-62.09%)
Steven Cohen 242,200 sh (-72.13%)
» More
» Details

Insider Trades

Latest Guru Trades with ALLY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Ally Financial Inc

SymbolPriceYieldDescription
ALFI20.14347.517 % Perp Pfd Shs Series -G- Reg-S
ALLYPRBCL24.998.48Fixed to Floating Rate Perp Pfd Shs Series -A-
GMSPZ0.000.007 % Perp Pfd Shs Series -G

Business Description

Industry: Banks » Specialty Finance
Compare:NYSE:SC, OTCPK:FNMA, NYSE:ESNT, NYSE:HTH, OTCPK:HMCBF, NYSE:NSM, NAS:TREE, OTCPK:FMCC, NYSE:TSLX, NYSE:HTGC, NYSE:WD, NYSE:GSBD, NYSE:EFC, NAS:ATAX, NYSE:AI, NYSE:PFSI, NYSE:OCN, NAS:MRLN, AMEX:IMH, NAS:MRCC » details
Traded in other countries:GMZ.Germany,
Ally Financial Inc offers financial products and services to automotive dealers and their customers. The Company is engaged in Dealer Financial Services and Mortgage, Corporate and Other business.

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.

Ratios

vs
industry
vs
history
Forward P/E 8.05
ALLY's Forward P/E is ranked higher than
87% of the 443 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.61 vs. ALLY: 8.05 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.64
ALLY's P/B is ranked higher than
76% of the 1759 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.04 vs. ALLY: 0.64 )
Ranked among companies with meaningful P/B only.
ALLY' s P/B Range Over the Past 10 Years
Min: 0.58  Med: 0.74 Max: 1.01
Current: 0.64
0.58
1.01
P/S 1.69
ALLY's P/S is ranked higher than
78% of the 1761 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.94 vs. ALLY: 1.69 )
Ranked among companies with meaningful P/S only.
ALLY' s P/S Range Over the Past 10 Years
Min: 1.5  Med: 2.23 Max: 2.74
Current: 1.69
1.5
2.74
POCF 1.43
ALLY's POCF is ranked higher than
87% of the 1025 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.89 vs. ALLY: 1.43 )
Ranked among companies with meaningful POCF only.
ALLY' s POCF Range Over the Past 10 Years
Min: 1.27  Med: 3.03 Max: 37.18
Current: 1.43
1.27
37.18
EV-to-EBIT 47.62
ALLY's EV-to-EBIT is ranked lower than
92% of the 1650 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.90 vs. ALLY: 47.62 )
Ranked among companies with meaningful EV-to-EBIT only.
ALLY' s EV-to-EBIT Range Over the Past 10 Years
Min: 46.9  Med: 67.95 Max: 114.9
Current: 47.62
46.9
114.9
EV-to-EBITDA 17.07
ALLY's EV-to-EBITDA is ranked lower than
70% of the 1649 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.75 vs. ALLY: 17.07 )
Ranked among companies with meaningful EV-to-EBITDA only.
ALLY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 16.8  Med: 19.20 Max: 22.4
Current: 17.07
16.8
22.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.44
ALLY's Dividend Yield is ranked lower than
99.99% of the 2235 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.98 vs. ALLY: 0.44 )
Ranked among companies with meaningful Dividend Yield only.
ALLY' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0.45
Current: 0.44
0
0.45
Forward Dividend Yield 1.77
ALLY's Forward Dividend Yield is ranked lower than
79% of the 2109 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.21 vs. ALLY: 1.77 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.45
ALLY's Yield on cost (5-Year) is ranked lower than
100% of the 2505 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.58 vs. ALLY: 0.45 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ALLY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0.45
Current: 0.45
0
0.45
3-Year Average Share Buyback Ratio 84.40
ALLY's 3-Year Average Share Buyback Ratio is ranked higher than
100% of the 1042 Companies
in the Global Specialty Finance industry.

( Industry Median: -2.00 vs. ALLY: 84.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ALLY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -820.3  Med: 29.90 Max: 84.5
Current: 84.4
-820.3
84.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.64
ALLY's Price/Tangible Book is ranked higher than
78% of the 1747 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.12 vs. ALLY: 0.64 )
Ranked among companies with meaningful Price/Tangible Book only.
ALLY' 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
ALLY's Price/Median PS Value is ranked higher than
84% of the 1684 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.01 vs. ALLY: 0.77 )
Ranked among companies with meaningful Price/Median PS Value only.
ALLY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.8  Med: 1.02 Max: 1.23
Current: 0.77
0.8
1.23
Earnings Yield (Greenblatt) (%) 2.10
ALLY's Earnings Yield (Greenblatt) (%) is ranked lower than
84% of the 1803 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.20 vs. ALLY: 2.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ALLY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 1.50 Max: 2.1
Current: 2.1
0.9
2.1
Forward Rate of Return (Yacktman) (%) -0.02
ALLY's Forward Rate of Return (Yacktman) (%) is ranked lower than
78% of the 844 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.22 vs. ALLY: -0.02 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ALLY' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -7.2  Med: -5.60 Max: -4.5
Current: -0.02
-7.2
-4.5

More Statistics

Revenue (TTM) (Mil) $5,326
EPS (TTM) $ -0.31
Short Percentage of Float2.40%
52-Week Range $14.55 - 23.24
Shares Outstanding (Mil)483.75

Analyst Estimate


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Dec16 Dec17
Revenue (Mil $) 5,419 5,882
EPS ($) 2.25 2.71
EPS w/o NRI ($) 2.25 2.71
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NYSE:ALLY

Headlines

Articles On GuruFocus.com
Bill Nygren of Oak Mark Fund Invests in Citigroup and Ally Financial May 31 2016 
Bill Nygren Makes Big Investment in Ally Financial Mar 07 2016 
Oakmark Fund Buys Ally Financial, Sells Amazon Mar 01 2016 
3 Undervalued Stock Picks From Bill Nygren Jan 13 2016 
Bill Nygren: Why Oil Won't Stay at $30 Jan 12 2016 
Bill Nygren Comments on Ally Financial Jan 08 2016 
Bill Nygren's Oakmark Fund 4th Quarter 2015 Commentary Jan 08 2016 
American Financial Group's Top Buys in Q2 2015 Aug 11 2015 
Richard Perry Makes Cheniere Third-Most Valuable Stake in Portfolio May 27 2015 
A Look At The Stocks Howard Marks Keeps Buying Mar 09 2015 

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