Switch to:

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 0.08
ALLY's Cash to Debt is ranked lower than
51% of the 1570 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.48 vs. ALLY: 0.08 )
ALLY' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.08

Equity to Asset 0.10
ALLY's Equity to Asset is ranked higher than
70% of the 2021 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.09 vs. ALLY: 0.10 )
ALLY' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.13
Current: 0.1

0.09
0.13
Interest Coverage 0.11
ALLY's Interest Coverage is ranked lower than
53% of the 1845 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.30 vs. ALLY: 0.11 )
ALLY' s 10-Year Interest Coverage Range
Min: 0.01   Max: 0.13
Current: 0.11

0.01
0.13
F-Score: 3
Z-Score: 0.12
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 : 5/10

vs
industry
vs
history
Operating margin (%) 16.48
ALLY's Operating margin (%) is ranked higher than
58% of the 2032 Companies
in the Global Specialty Finance industry.

( Industry Median: 29.47 vs. ALLY: 16.48 )
ALLY' s 10-Year Operating margin (%) Range
Min: -15.41   Max: 14.9
Current: 16.48

-15.41
14.9
Net-margin (%) 15.65
ALLY's Net-margin (%) is ranked higher than
64% of the 2032 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.42 vs. ALLY: 15.65 )
ALLY' s 10-Year Net-margin (%) Range
Min: -2.59   Max: 24.42
Current: 15.65

-2.59
24.42
ROE (%) 6.92
ALLY's ROE (%) is ranked higher than
69% of the 2042 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.60 vs. ALLY: 6.92 )
ALLY' s 10-Year ROE (%) Range
Min: -0.79   Max: 6.09
Current: 6.92

-0.79
6.09
ROA (%) 0.72
ALLY's ROA (%) is ranked higher than
70% of the 2045 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.80 vs. ALLY: 0.72 )
ALLY' s 10-Year ROA (%) Range
Min: -0.09   Max: 0.65
Current: 0.72

-0.09
0.65
ROC (Joel Greenblatt) (%) 177.33
ALLY's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 2013 Companies
in the Global Specialty Finance industry.

( Industry Median: 77.18 vs. ALLY: 177.33 )
ALLY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 23.69   Max: 23.69
Current: 177.33

» ALLY's 10-Y Financials

Financials


» Details

Guru Trades

ALLY Guru Trades in

ALLY Guru Trades in

Q2 2014

ALLY Guru Trades in Q2 2014

Daniel Loeb 45,595,000 sh (New)
Jeremy Grantham 666,500 sh (New)
Louis Moore Bacon 50,000 sh (New)
Richard Perry 14,270,730 sh (New)
George Soros 1,494,450 sh (New)
Richard Snow 2,338,372 sh (New)
John Paulson 2,006,213 sh (New)
Howard Marks 7,993,230 sh (New)
Third Avenue Management 139,500 sh (New)
Michael Price 707,500 sh (New)
Chuck Royce 53,300 sh (New)
» More
Q3 2014

ALLY Guru Trades in Q3 2014

Paul Tudor Jones 37,741 sh (New)
Louis Moore Bacon 690,829 sh (+1281.66%)
Jeremy Grantham 2,151,800 sh (+222.85%)
Howard Marks 8,256,030 sh (+3.29%)
Richard Snow 2,403,642 sh (+2.79%)
Richard Perry 14,433,098 sh (+1.14%)
Chuck Royce 53,300 sh (unchged)
Michael Price 707,500 sh (unchged)
Third Avenue Management 139,500 sh (unchged)
George Soros 1,494,450 sh (unchged)
John Paulson Sold Out
Daniel Loeb 41,915,000 sh (-8.07%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Daniel Loeb 2014-09-30 Reduce -8.07%1.08%$22.6 - $24.95 $ 23.62-1%41915000
John Paulson 2014-09-30 Sold Out 0.21%$22.6 - $24.95 $ 23.62-1%0
Richard Perry 2014-09-30 Add 1.14%0.14%$22.6 - $24.95 $ 23.62-1%14433098
Daniel Loeb 2014-06-30 New Buy13.4%$23.46 - $25.21 $ 23.62-3%45595000
Richard Perry 2014-06-30 New Buy9.4%$23.46 - $25.21 $ 23.62-3%14270730
Michael Price 2014-06-30 New Buy2.1%$23.46 - $25.21 $ 23.62-3%707500
Richard Snow 2014-06-30 New Buy1.9%$23.46 - $25.21 $ 23.62-3%2338372
George Soros 2014-06-30 New Buy0.27%$23.46 - $25.21 $ 23.62-3%1494450
John Paulson 2014-06-30 New Buy0.21%$23.46 - $25.21 $ 23.62-3%2006213
Third Avenue Management 2014-06-30 New Buy0.06%$23.46 - $25.21 $ 23.62-3%139500
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Ally Financial Inc

SymbolPriceYieldDescription
ALFI1010.006.937 % Perp Pfd Shs Series -G- Reg-S
ALLYPRB0.007.99Fixed to Floating Rate Perp Pfd Shs Series -A-
GMSPZ0.000.007 % Perp Pfd Shs Series -G

Top Ranked Articles about Ally Financial Inc

Activist Guru Dan Loeb Leaves His Mark in Many Ways
Scores of children have been influenced by Barbie dolls and Hot Wheels cars over the years, but few, if any, have been influenced in quite the way guru Daniel Loeb (Trades, Portfolio) was. His great aunt, Ruth Handler, co-founded toy company Mattel Inc. (MAT) in 1945 and created the Barbie doll, Mattel’s best-selling toy, in 1959 – both before Loeb was born. Read more...
Daniel Loeb's New Stocks
Dan Loeb is CEO of Third Point LLC, founded in 1995, where he oversees all investment activity. Third Point describes its underlying strategy as “event-driven, value-oriented,” and says it “seeks to identify situations where we anticipate a catalyst will unlock value,” on its website. Read more...
Top Hedge Fund Managers Are Buying Ally Financial
Now that the investment management firms have filed their Form 13Fs with the SEC, we can gain better insight into which securities the investing gurus are buying and selling. The S&P 500 Grid at GuruFocus can be used to find the top buys, sells and net buys based on a number of different categories. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 28.30
ALLY's P/E(ttm) is ranked higher than
67% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 18.00 vs. ALLY: 28.30 )
ALLY' s 10-Year P/E(ttm) Range
Min: 25.11   Max: 30.02
Current: 28.3

25.11
30.02
P/B 0.80
ALLY's P/B is ranked higher than
89% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.33 vs. ALLY: 0.80 )
ALLY' s 10-Year P/B Range
Min: 0.72   Max: 1.01
Current: 0.8

0.72
1.01
P/S 1.60
ALLY's P/S is ranked higher than
92% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.59 vs. ALLY: 1.60 )
ALLY' s 10-Year P/S Range
Min: 1.43   Max: 1.88
Current: 1.6

1.43
1.88
EV-to-EBIT 69.90
ALLY's EV-to-EBIT is ranked higher than
59% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 19.57 vs. ALLY: 69.90 )
ALLY' s 10-Year EV-to-EBIT Range
Min: 68.9   Max: 114.9
Current: 69.9

68.9
114.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
ALLY's Price/Tangible Book is ranked higher than
91% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.60 vs. ALLY: 0.80 )
ALLY' s 10-Year Price/Tangible Book Range
Min: 0.81   Max: 1.01
Current: 0.8

0.81
1.01
Price/Median PS Value 1.00
ALLY's Price/Median PS Value is ranked higher than
87% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.22 vs. ALLY: 1.00 )
ALLY' s 10-Year Price/Median PS Value Range
Min: 0.99   Max: 1.16
Current: 1

0.99
1.16
Price/Graham Number 0.70
ALLY's Price/Graham Number is ranked higher than
90% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.18 vs. ALLY: 0.70 )
ALLY' s 10-Year Price/Graham Number Range
Min: 0.66   Max: 1
Current: 0.7

0.66
1
Earnings Yield (Greenblatt) 1.40
ALLY's Earnings Yield (Greenblatt) is ranked higher than
54% of the 2006 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.60 vs. ALLY: 1.40 )
ALLY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 1.5
Current: 1.4

0.9
1.5

Business Description

Industry: Banks » Specialty Finance
Compare: » details
Traded in other countries:ALFI.USA, GMZ.Germany,
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 16,000 automotive dealerships and approximately 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 significant 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.
» More Articles for ALLY

Headlines

Articles On GuruFocus.com
Activist Guru Dan Loeb Leaves His Mark in Many Ways Oct 03 2014 
The Top Net Buys Of The Hedge Fund Gurus Sep 12 2014 
Daniel Loeb's New Stocks Aug 25 2014 
Top Hedge Fund Managers Are Buying Ally Financial Aug 15 2014 
Howard Marks' Top Five of the Second Quarter Aug 12 2014 
What to Expect With Ally Financial's Second Quarter Financials Jul 28 2014 
Weekly CEO Buys Highlight: OPK, AMRC, ENBL, ALLY, NEON Apr 21 2014 
The Simple Reason Why You Shouldn't Invest in ALLY Apr 11 2014 
Daniel Loeb Comments on Ally Financial Jan 22 2014 

More From Other Websites
Banks Haul In $430 Million In Fees From Treasury's Stock Sales Dec 22 2014
9:16 am Ally Financial announced that the U.S. Department of the Treasury has sold its remaining... Dec 21 2014
Bank Bailouts Approach a Final Reckoning Dec 19 2014
Nike disappoints amid Fed-fuelled rally Dec 19 2014
Ally Financial's bailout ends as U.S. sells remaining stake Dec 19 2014
US STOCKS-Wall St up for 3rd day, led by energy shares Dec 19 2014
US STOCKS-Wall St up for 3rd day, led by energy shares Dec 19 2014
New highs! The S&P 500 closes just below its prior record close... Dec 19 2014
US STOCKS-Wall St adds gains in late trade; energy leads Dec 19 2014
US STOCKS-Wall St adds gains in late trade; energy leads Dec 19 2014
US STOCKS-Wall St little changed after best two-day run in three years Dec 19 2014
US STOCKS-Wall St little changed after best two-day run in three years Dec 19 2014
Ally Financial exits TARP as Treasury sells remaining stake Dec 19 2014
TARP Is Finished With Ally Financial Dec 19 2014
US STOCKS-Wall Street edges up to extend weekly gains Dec 19 2014
US STOCKS-Wall Street edges up to extend weekly gains Dec 19 2014
Ally Financial (ALLY) Stock Higher Today After Treasury Sells Remaining Stake Dec 19 2014
US STOCKS-Wall Street little changed after two-day run Dec 19 2014
US STOCKS-Wall Street little changed after two-day run Dec 19 2014
What We're Trading Dec 19 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK