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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
100% of the Companies
in the Global industry.

( Industry Median: 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 lower than
100% of the Companies
in the Global industry.

( Industry Median: 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
100% of the Companies
in the Global industry.

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

0.11
0.13
F-Score: 3
Z-Score: 0.11
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 (%) 13.73
ALLY's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 13.73 )
ALLY' s 10-Year Operating margin (%) Range
Min: -23.91   Max: 14.9
Current: 13.73

-23.91
14.9
Net-margin (%) 11.13
ALLY's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 11.13 )
ALLY' s 10-Year Net-margin (%) Range
Min: -3.95   Max: 20.4
Current: 11.13

-3.95
20.4
ROE (%) 4.56
ALLY's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 4.56 )
ALLY' s 10-Year ROE (%) Range
Min: -0.79   Max: 6.11
Current: 4.56

-0.79
6.11
ROA (%) 0.50
ALLY's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 0.50 )
ALLY' s 10-Year ROA (%) Range
Min: -0.09   Max: 0.65
Current: 0.5

-0.09
0.65
ROC (Joel Greenblatt) (%) 119.76
ALLY's ROC (Joel Greenblatt) (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 119.76 )
ALLY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 23.69   Max: 23.69
Current: 119.76

» ALLY's 10-Y Financials

Financials



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

» Details

Guru Trades

ALLY Guru Trades in

ALLY Guru Trades in

ALLY Guru Trades in

Q2 2014

ALLY Guru Trades in Q2 2014

Richard Perry 14,270,730 sh (New)
Louis Moore Bacon 50,000 sh (New)
Third Avenue Management 139,500 sh (New)
Michael Price 707,500 sh (New)
John Paulson 2,006,213 sh (New)
Howard Marks 7,993,230 sh (New)
Daniel Loeb 45,595,000 sh (New)
Chuck Royce 53,300 sh (New)
Jeremy Grantham 666,500 sh (New)
George Soros 1,494,450 sh (New)
Richard Snow 2,338,372 sh (New)
» 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 2014-06-30 New Buy13.4%$23.46 - $25.21 $ 21.51-11%45595000
Richard Perry 2014-06-30 New Buy9.4%$23.46 - $25.21 $ 21.51-11%14270730
Michael Price 2014-06-30 New Buy2.1%$23.46 - $25.21 $ 21.51-11%707500
Richard Snow 2014-06-30 New Buy1.9%$23.46 - $25.21 $ 21.51-11%2338372
George Soros 2014-06-30 New Buy0.27%$23.46 - $25.21 $ 21.51-11%1494450
John Paulson 2014-06-30 New Buy0.21%$23.46 - $25.21 $ 21.51-11%2006213
Third Avenue Management 2014-06-30 New Buy0.06%$23.46 - $25.21 $ 21.51-11%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
ALLYPRB0.007.88Fixed to Floating Rate Perp Pfd Shs Series -A-
GMSPZ0.000.007 % Perp Pfd Shs Series -G

Top Ranked Articles about Ally Financial Inc

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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/B 0.80
ALLY's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 0.80 )
ALLY' s 10-Year P/B Range
Min: 0.74   Max: 1.01
Current: 0.8

0.74
1.01
P/S 1.50
ALLY's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 1.50 )
ALLY' s 10-Year P/S Range
Min: 1.41   Max: 1.88
Current: 1.5

1.41
1.88
PFCF 17.60
ALLY's PFCF is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 17.60 )
ALLY' s 10-Year PFCF Range
Min: 8.27   Max: 20.15
Current: 17.6

8.27
20.15
EV-to-EBIT 87.37
ALLY's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 87.37 )
ALLY' s 10-Year EV-to-EBIT Range
Min: 86.9   Max: 114.9
Current: 87.37

86.9
114.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.78
ALLY's Price/Tangible Book is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 0.78 )
ALLY' s 10-Year Price/Tangible Book Range
Min: 0.85   Max: 1.01
Current: 0.78

0.85
1.01
Price/Median PS Value 0.93
ALLY's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 0.93 )
ALLY' s 10-Year Price/Median PS Value Range
Min: 1.01   Max: 1.15
Current: 0.93

1.01
1.15
Price/Graham Number 0.68
ALLY's Price/Graham Number is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 0.68 )
ALLY' s 10-Year Price/Graham Number Range
Min: 0.74   Max: 1
Current: 0.68

0.74
1
Earnings Yield (Greenblatt) 1.10
ALLY's Earnings Yield (Greenblatt) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 1.10 )
ALLY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 1.2
Current: 1.1

0.9
1.2

Business Description

Industry: »
Compare: » details
Traded in other countries:ALFI.USA, GMZ.Germany
Ally Financial Inc. is an independent financial services firm which provides financial products and services to automotive dealers and their customers. Its primary banking subsidiary is Ally Bank, which is an indirect wholly owned subsidiary of Ally Financial Inc. Global Automotive Services and Mortgage are its primary lines of business. Its Global Automotive Services offer a wide range of financial services and products to retail automotive consumers, automotive dealerships, and other commercial businesses. Its Global Automotive Services consist of three separate reportable segments — North American Automotive Finance operations, International Automotive Finance operations, and Insurance operations. The products and services offered by its automotive finance services include the purchase of retail installment sales contracts and leases, offering of term loans to dealers, financing of dealer floorplans and other lines of credit to dealers, fleet leasing, and vehicle remarketing services. It also offer vehicle service contracts and selected commercial insurance coverages in the United States and internationally. Its vehicle service contracts offer vehicle owners and lessees mechanical repair protection and roadside assistance for new and used vehicles beyond the manufacturer's new vehicle warranty. Its Mortgage operations engage in the origination, purchase, servicing, sale, and securitization of consumer (i.e., residential) mortgage loans and mortgage-related products.
» 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
Can Hudson City Beat Q3 Earnings on Low Interest Expenses? Oct 21 2014
Business Highlights Oct 20 2014
[$$] Ally Earns Profit for Taxpayers as Government Pares Ownership Oct 20 2014
PRESS DIGEST - Wall Street Journal - Oct 20 Oct 19 2014
Ally Financial Declares Dividends on Preferred Stock Oct 17 2014
Ally Financial Declares Dividends on Preferred Stock Oct 17 2014
ALLY FINANCIAL INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 17 2014
Bulls sticking with Ally Financial Oct 15 2014
Ally Financial Announces the Early Results of Cash Tender Offers and Increases Maximum Tender... Oct 08 2014
Auto loans work hard for Wells Fargo Oct 06 2014
Ally Financial Schedules Release of Third Quarter 2014 Financial Results Oct 06 2014
Notable option trades in equities Oct 03 2014
[video]Why Fears of Auto-Loan Bubble May Be Overblown: Bank Analyst Bove Oct 02 2014
ALLY FINANCIAL INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 29 2014
[video] Nike and Northrop Grumman Upgraded, Ally Financial Initiated Sep 26 2014
How Will Ally Financial (ALLY) Stock Be Affected Today by This Analyst Initiation? Sep 26 2014
Regulators Set Sights On Bias In Auto Loans Sep 25 2014
The Daily Docket: Revel Auction to Resume Tuesday Sep 25 2014
Regulators Cast Loose Net For Biased Auto Lenders Sep 25 2014
PRESS DIGEST- New York Times business news - Sept 25 Sep 24 2014

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