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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
51% of the 1574 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.37 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
74% of the 2016 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: 0.12
Current: 0.1

0.09
0.12
Interest Coverage 0.45
ALLY's Interest Coverage is ranked higher than
54% of the 1886 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.43 vs. ALLY: 0.45 )
ALLY' s 10-Year Interest Coverage Range
Min: 0.11   Max: 0.45
Current: 0.45

0.11
0.45
F-Score: 5
Z-Score: 0.10
WACC vs ROIC
3.33%
1.11%
WACC
ROIC
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 (%) 26.79
ALLY's Operating margin (%) is ranked higher than
71% of the 2042 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.23 vs. ALLY: 26.79 )
ALLY' s 10-Year Operating margin (%) Range
Min: -111.4   Max: 26.79
Current: 26.79

-111.4
26.79
Net-margin (%) 24.73
ALLY's Net-margin (%) is ranked higher than
81% of the 2042 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.13 vs. ALLY: 24.73 )
ALLY' s 10-Year Net-margin (%) Range
Min: -166.04   Max: 26.79
Current: 24.73

-166.04
26.79
ROE (%) 7.76
ALLY's ROE (%) is ranked higher than
73% of the 2045 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.70 vs. ALLY: 7.76 )
ALLY' s 10-Year ROE (%) Range
Min: -0.79   Max: 10.49
Current: 7.76

-0.79
10.49
ROA (%) 0.77
ALLY's ROA (%) is ranked higher than
73% of the 2048 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.78 vs. ALLY: 0.77 )
ALLY' s 10-Year ROA (%) Range
Min: -0.09   Max: 1.25
Current: 0.77

-0.09
1.25
ROC (Joel Greenblatt) (%) 117.04
ALLY's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 2010 Companies
in the Global Specialty Finance industry.

( Industry Median: 78.54 vs. ALLY: 117.04 )
ALLY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 23.69   Max: 55.38
Current: 117.04

23.69
55.38
» ALLY's 10-Y Financials

Financials


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

» Details

Guru Trades

ALLY Guru Trades in

Q2 2014

ALLY Guru Trades in Q2 2014

Third Avenue Management 139,500 sh (New)
Daniel Loeb 45,595,000 sh (New)
Richard Snow 2,338,372 sh (New)
Michael Price 707,500 sh (New)
Howard Marks 7,993,230 sh (New)
Chuck Royce 53,300 sh (New)
John Paulson 2,006,213 sh (New)
George Soros 1,494,450 sh (New)
Louis Moore Bacon 50,000 sh (New)
Jeremy Grantham 666,500 sh (New)
Richard Perry 14,270,730 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%)
Michael Price 707,500 sh (unchged)
Chuck Royce 53,300 sh (unchged)
George Soros 1,494,450 sh (unchged)
Third Avenue Management 139,500 sh (unchged)
John Paulson Sold Out
Daniel Loeb 41,915,000 sh (-8.07%)
» More
Q4 2014

ALLY Guru Trades in Q4 2014

Jim Simons 77,900 sh (New)
Leon Cooperman 150,000 sh (New)
Steven Cohen 1,747,850 sh (New)
NWQ Managers 66,500 sh (New)
Louis Moore Bacon 1,290,253 sh (+86.77%)
Richard Perry 21,009,083 sh (+45.56%)
George Soros 2,084,595 sh (+39.49%)
Howard Marks 9,328,530 sh (+12.99%)
Third Avenue Management 149,500 sh (+7.17%)
Richard Snow 2,416,126 sh (+0.52%)
Jeremy Grantham 2,156,800 sh (+0.23%)
Michael Price 707,500 sh (unchged)
Chuck Royce 48,300 sh (-9.38%)
Daniel Loeb 26,000,000 sh (-13.33%)
Daniel Loeb 30,000,000 sh (-28.43%)
Paul Tudor Jones 16,036 sh (-57.51%)
» 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%)



No Guru Trades Found!
» 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
ALLYPRB0.007.95Fixed 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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Ratios

vs
industry
vs
history
P/E(ttm) 11.30
ALLY's P/E(ttm) is ranked higher than
88% of the 2685 Companies
in the Global Specialty Finance industry.

( Industry Median: 17.90 vs. ALLY: 11.30 )
ALLY' s 10-Year P/E(ttm) Range
Min: 10.19   Max: 30.02
Current: 11.3

10.19
30.02
Forward P/E 8.88
ALLY's Forward P/E is ranked higher than
92% of the 2685 Companies
in the Global Specialty Finance industry.

( Industry Median: 17.73 vs. ALLY: 8.88 )
N/A
PE(NRI) 15.10
ALLY's PE(NRI) is ranked higher than
78% of the 2685 Companies
in the Global Specialty Finance industry.

( Industry Median: 17.90 vs. ALLY: 15.10 )
ALLY' s 10-Year PE(NRI) Range
Min: 13.76   Max: 71.29
Current: 15.1

13.76
71.29
P/B 0.70
ALLY's P/B is ranked higher than
90% of the 2685 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.34 vs. ALLY: 0.70 )
ALLY' s 10-Year P/B Range
Min: 0.63   Max: 1.01
Current: 0.7

0.63
1.01
P/S 2.20
ALLY's P/S is ranked higher than
84% of the 2685 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.61 vs. ALLY: 2.20 )
ALLY' s 10-Year P/S Range
Min: 1.94   Max: 2.78
Current: 2.2

1.94
2.78
POCF 2.91
ALLY's POCF is ranked higher than
94% of the 2685 Companies
in the Global Specialty Finance industry.

( Industry Median: 41.60 vs. ALLY: 2.91 )
ALLY' s 10-Year POCF Range
Min: 2.65   Max: 28.03
Current: 2.91

2.65
28.03
EV-to-EBIT 63.56
ALLY's EV-to-EBIT is ranked higher than
60% of the 2685 Companies
in the Global Specialty Finance industry.

( Industry Median: 19.72 vs. ALLY: 63.56 )
ALLY' s 10-Year EV-to-EBIT Range
Min: 62.9   Max: 114.9
Current: 63.56

62.9
114.9
Days Sales Outstanding 133.02
ALLY's Days Sales Outstanding is ranked higher than
78% of the 2685 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.00 vs. ALLY: 133.02 )
ALLY' s 10-Year Days Sales Outstanding Range
Min: 104.17   Max: 8001.8
Current: 133.02

104.17
8001.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
ALLY's Price/Tangible Book is ranked higher than
92% of the 2685 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.58 vs. ALLY: 0.70 )
ALLY' s 10-Year Price/Tangible Book Range
Min: 0.8   Max: 1.01
Current: 0.7

0.8
1.01
Price/Median PS Value 0.90
ALLY's Price/Median PS Value is ranked higher than
91% of the 2685 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.28 vs. ALLY: 0.90 )
ALLY' s 10-Year Price/Median PS Value Range
Min: 1.04   Max: 1.04
Current: 0.9

Price/Graham Number 0.60
ALLY's Price/Graham Number is ranked higher than
92% of the 2685 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.20 vs. ALLY: 0.60 )
ALLY' s 10-Year Price/Graham Number Range
Min: 0.63   Max: 0.63
Current: 0.6

Earnings Yield (Greenblatt) 1.60
ALLY's Earnings Yield (Greenblatt) is ranked higher than
51% of the 2032 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.40 vs. ALLY: 1.60 )
ALLY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 1.6
Current: 1.6

0.9
1.6

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

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The Top Net Buys Of The Hedge Fund Gurus Sep 12 2014 
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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 

More From Other Websites
Ally Financial Will Remain In Downtown Detroit, Establish New HQ Apr 01 2015
Moody's assigns definitive ratings to AART 2015-SN1, Ally Bank sponsored auto lease ABS Mar 31 2015
Ally Financial To Stay In Detroit Mar 31 2015
2:45 pm Ally Financial announces its plan to establish its headquarters at the One Detroit Center... Mar 31 2015
Fortune 500 Company Ally Financial and 1,500 Team Members to Consolidate into New Headquarters in... Mar 31 2015
Eased Lending Standards Boost BB&T’s Auto Lending Mar 30 2015
New Ally ad campaign highlights an auto business "Driven By What We Love" Mar 30 2015
ALLY FINANCIAL INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 30 2015
Regulators crack down on auto loan abuse Mar 26 2015
Coverage initiated on Ally Financial by Compass Point Mar 26 2015
Ally Bank picks Charlotte exec and former BofA banker as its new CEO Mar 25 2015
[$$] Ally Names Insider to Head Banking Unit Mar 24 2015
MOVES- Morgan Stanley, Ally Financial, World Bank, UBS Mar 24 2015
Ally Promotes Diane Morais to CEO of Auto Lender’s Bank Unit Mar 24 2015
Ally Names Diane Morais to Head Ally Bank Subsidiary Mar 24 2015
The Great Irony of the Fed's "Stress Test" Mar 23 2015
ALLY FINANCIAL INC. Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Mar 20 2015
Credit Suisse Reiterates Neutral, Raises PT On Ally Financial On Strong Capital Return Mar 20 2015
Ally Bank CEO Barbara Yastine to Depart Mar 19 2015
Ally Bank CEO Barbara Yastine to depart Mar 19 2015

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