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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
94% of the 1560 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.13 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
67% of the 1610 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: 0.1 Max: 0.13
Current: 0.09
0.09
0.13
Interest Coverage 0.41
ALLY's Interest Coverage is ranked lower than
85% of the 1563 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.70 vs. ALLY: 0.41 )
Ranked among companies with meaningful Interest Coverage only.
ALLY' s Interest Coverage Range Over the Past 10 Years
Min: 0.07  Med: 0.17 Max: 0.41
Current: 0.41
0.07
0.41
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 higher than
51% of the 1653 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.84 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: 11.51 Max: 31.13
Current: 31.13
-111.4
31.13
Net-margin (%) 21.42
ALLY's Net-margin (%) is ranked lower than
53% of the 1652 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.27 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: 26.79
Current: 21.42
-166.04
26.79
ROE (%) -1.02
ALLY's ROE (%) is ranked lower than
93% of the 1648 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.34 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
61% of the 1659 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.88 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)(%) -2.40
ALLY's Revenue Growth (3Y)(%) is ranked lower than
75% of the 1350 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.20 vs. ALLY: -2.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ALLY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.1  Med: -16.65 Max: 5.3
Current: -2.4
-34.1
5.3
EBITDA Growth (3Y)(%) 7.40
ALLY's EBITDA Growth (3Y)(%) is ranked higher than
55% of the 1237 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.00 vs. ALLY: 7.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ALLY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.7  Med: 7.4 Max: 12.2
Current: 7.4
-28.7
12.2
» 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

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%)
George Soros 2,084,595 sh (unchged)
Michael Price 707,500 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

Bill Nygren 10,456,000 sh (New)
Jim Simons 129,400 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

David Dreman 559 sh (New)
First Pacific Advisors 2,654,061 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
Q2 2016

ALLY Guru Trades in Q2 2016

Paul Tudor Jones 10,800 sh (New)
HOTCHKIS & WILEY 704,400 sh (New)
Jim Simons 652,400 sh (+695.61%)
First Pacific Advisors 10,769,760 sh (+305.78%)
Steven Cohen 694,900 sh (+186.91%)
Michael Price 644,500 sh (+136.95%)
Richard Snow 2,088,521 sh (+14.35%)
Howard Marks 10,401,462 sh (+8.01%)
Bill Nygren 15,674,000 sh (unchged)
David Dreman Sold Out
Richard Perry 15,759,601 sh (-30.28%)
Jeremy Grantham 2,632,900 sh (-39.89%)
» More
» Details

Insider Trades

Latest Guru Trades with ALLY

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Preferred stocks of Ally Financial Inc

SymbolPriceYieldDescription
ALFI20.96333.947 % 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, NYSE:ESNT, NYSE:HTH, OTCPK:FNMA, NYSE:NSM, OTCPK:HMCBF, NYSE:TSLX, NAS:TREE, OTCPK:FMCC, NYSE:HTGC, NYSE:WD, NYSE:GSBD, OTCPK:EQGPF, NYSE:EFC, NYSE:OCN, NYSE:PFSI, NAS:ATAX, NYSE:AI, NAS:MRCC, NAS:MRLN » 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.

Guru Investment Theses on Ally Financial Inc

Bill Nygren Comments on Ally Financial - Jan 08, 2016

Ally (NYSE:ALLY) was founded nearly a century ago as General Motors Acceptance Corporation. Its purpose then was to provide financing to GM dealers and retail customers. Today, Ally’s business is largely the same except that it is no longer owned by GM and now serves dealers and customers of many other automobile manufacturers, such as Ford, Chrysler and Toyota. Since Ally’s initial public offering in spring 2014, its shares have fallen over 20% while the S&P 500 has returned over 15%. Over this period, some investors have grown concerned that the business is at a cyclical peak, as U.S. auto sales are near record levels and credit losses are below long-term averages; as a result, some believe Ally’s earnings have nowhere to go but down. We believe cyclical pressures will be offset by continued internal improvements, such as funding cost reductions (as “legacy” liabilities are replaced with lower cost borrowings) and improving their capital structure. With Ally’s stock trading at just 80% of tangible book value, we believe Ally is a compelling addition to the Oakmark Fund.



From Oakmark Fund's fourth quarter 2015 commentary.



Check out Bill Nygren latest stock trades

Top Ranked Articles about Ally Financial Inc

Richard Perry Sells HCA Holdings, AIG Guru's largest 2nd quarter trades
Richard Perry (Trades, Portfolio) co-founded private investment management firm Perry Capital LLC in 1988, which manages about $14 billion as of August 2008. During the second quarter, the company traded the following stocks. Read more...
Bill Nygren of Oak Mark Fund Invests in Citigroup and Ally Financial Financial services stocks are staples of Nygren's portfolio
During the first quarter, Bill Nygren (Trades, Portfolio) of Oak Mark Fund increased his position in Ally Financial Inc. (NYSE:ALLY) by 49.90%, ending with 15,674,000 shares of the stock. Read more...
Bill Nygren Makes Big Investment in Ally Financial Guru acquires nearly 10.5 million shares in 4th quarter
Guru Bill Nygren (Trades, Portfolio) purchased a 10,456,000-share stake in Ally Financial Inc. (NYSE:ALLY) in the fourth quarter. Read more...
Oakmark Fund Buys Ally Financial, Sells Amazon Ally's internal improvements will offset industry pressures, Nygren says
Oakmark Fund portfolio manager Bill Nygren (Trades, Portfolio) stayed true to the firm’s concentrated approach during the fourth quarter, initiating one new holding and selling three others that had reached the fund’s estimate of true value. Read more...
Bill Nygren Comments on Ally Financial Guru stock highlight
Ally (NYSE:ALLY) was founded nearly a century ago as General Motors Acceptance Corporation. Its purpose then was to provide financing to GM dealers and retail customers. Today, Ally’s business is largely the same except that it is no longer owned by GM and now serves dealers and customers of many other automobile manufacturers, such as Ford, Chrysler and Toyota. Since Ally’s initial public offering in spring 2014, its shares have fallen over 20% while the S&P 500 has returned over 15%. Over this period, some investors have grown concerned that the business is at a cyclical peak, as U.S. auto sales are near record levels and credit losses are below long-term averages; as a result, some believe Ally’s earnings have nowhere to go but down. We believe cyclical pressures will be offset by continued internal improvements, such as funding cost reductions (as “legacy” liabilities are replaced with lower cost borrowings) and improving their capital structure. With Ally’s stock trading at just 80% of tangible book value, we believe Ally is a compelling addition to the Oakmark Fund. Read more...

Ratios

vs
industry
vs
history
Forward P/E 7.15
ALLY's Forward P/E is ranked higher than
89% of the 369 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.63 vs. ALLY: 7.15 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.68
ALLY's P/B is ranked higher than
77% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.06 vs. ALLY: 0.68 )
Ranked among companies with meaningful P/B only.
ALLY' s P/B Range Over the Past 10 Years
Min: 0.56  Med: 0.72 Max: 1.01
Current: 0.68
0.56
1.01
P/S 1.75
ALLY's P/S is ranked higher than
77% of the 1606 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.98 vs. ALLY: 1.75 )
Ranked among companies with meaningful P/S only.
ALLY' s P/S Range Over the Past 10 Years
Min: 1.44  Med: 2.2 Max: 2.74
Current: 1.75
1.44
2.74
POCF 1.61
ALLY's POCF is ranked higher than
87% of the 920 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.22 vs. ALLY: 1.61 )
Ranked among companies with meaningful POCF only.
ALLY' s POCF Range Over the Past 10 Years
Min: 1.33  Med: 2.94 Max: 37.18
Current: 1.61
1.33
37.18
EV-to-EBIT 42.62
ALLY's EV-to-EBIT is ranked lower than
91% of the 1243 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.80 vs. ALLY: 42.62 )
Ranked among companies with meaningful EV-to-EBIT only.
ALLY' s EV-to-EBIT Range Over the Past 10 Years
Min: 41.6  Med: 64.5 Max: 114.9
Current: 42.62
41.6
114.9
EV-to-EBITDA 16.68
ALLY's EV-to-EBITDA is ranked lower than
68% of the 1243 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.39 vs. ALLY: 16.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
ALLY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 16.3  Med: 19.1 Max: 22.4
Current: 16.68
16.3
22.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.42
ALLY's Dividend Yield is ranked lower than
96% of the 2190 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.92 vs. ALLY: 0.42 )
Ranked among companies with meaningful Dividend Yield only.
ALLY' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.45
Current: 0.42
0
0.45
Forward Dividend Yield 1.67
ALLY's Forward Dividend Yield is ranked lower than
81% of the 2073 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.13 vs. ALLY: 1.67 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.42
ALLY's Yield on cost (5-Year) is ranked lower than
96% of the 2538 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.43 vs. ALLY: 0.42 )
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 Max: 0.45
Current: 0.42
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 1052 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: 29.9 Max: 84.5
Current: 84.4
-820.3
84.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.69
ALLY's Price/Tangible Book is ranked higher than
78% of the 1590 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.13 vs. ALLY: 0.69 )
Ranked among companies with meaningful Price/Tangible Book only.
ALLY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.61  Med: 0.76 Max: 1.01
Current: 0.69
0.61
1.01
Price/Median PS Value 0.80
ALLY's Price/Median PS Value is ranked higher than
82% of the 1494 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.04 vs. ALLY: 0.80 )
Ranked among companies with meaningful Price/Median PS Value only.
ALLY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.71  Med: 1.02 Max: 1.25
Current: 0.8
0.71
1.25
Earnings Yield (Greenblatt) (%) 2.40
ALLY's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 1619 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.70 vs. ALLY: 2.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ALLY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 1.6 Max: 2.4
Current: 2.4
0.9
2.4
Forward Rate of Return (Yacktman) (%) 3.66
ALLY's Forward Rate of Return (Yacktman) (%) is ranked lower than
70% of the 853 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.66 vs. ALLY: 3.66 )
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: -4.5 Max: 3.7
Current: 3.66
-7.2
3.7

More Statistics

Revenue (TTM) (Mil) $5,326
EPS (TTM) $ -0.31
Short Percentage of Float2.39%
52-Week Range $14.55 - 21.21
Shares Outstanding (Mil)483.66

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 5,419 5,882
EPS ($) 2.27 2.73
EPS w/o NRI ($) 2.27 2.73
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for ALLY

Headlines

Articles On GuruFocus.com
Michael Price Trims Boston Scientific, Buys Outerwall Aug 23 2016 
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 

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