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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 0.11
ALLY's Cash to Debt is ranked higher than
58% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.00 vs. ALLY: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
ALLY' s 10-Year Cash to Debt Range
Min: 0.07   Max: N/A
Current: 0.11

Equity to Asset 0.10
ALLY's Equity to Asset is ranked higher than
67% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.07 vs. ALLY: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
ALLY' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.13
Current: 0.1

0.09
0.13
Interest Coverage 0.45
ALLY's Interest Coverage is ranked higher than
53% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.31 vs. ALLY: 0.45 )
Ranked among companies with meaningful Interest Coverage only.
ALLY' s 10-Year Interest Coverage Range
Min: 0.11   Max: 0.45
Current: 0.45

0.11
0.45
F-Score: 6
Z-Score: 0.12
WACC vs ROIC
3.34%
1.10%
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 (%) 26.86
ALLY's Operating margin (%) is ranked higher than
65% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 16.01 vs. ALLY: 26.86 )
Ranked among companies with meaningful Operating margin (%) only.
ALLY' s 10-Year Operating margin (%) Range
Min: -111.4   Max: 26.79
Current: 26.86

-111.4
26.79
Net-margin (%) 32.57
ALLY's Net-margin (%) is ranked higher than
86% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.60 vs. ALLY: 32.57 )
Ranked among companies with meaningful Net-margin (%) only.
ALLY' s 10-Year Net-margin (%) Range
Min: -166.04   Max: 26.79
Current: 32.57

-166.04
26.79
ROE (%) 9.88
ALLY's ROE (%) is ranked higher than
76% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.08 vs. ALLY: 9.88 )
Ranked among companies with meaningful ROE (%) only.
ALLY' s 10-Year ROE (%) Range
Min: -0.79   Max: 10.49
Current: 9.88

-0.79
10.49
ROA (%) 1.00
ALLY's ROA (%) is ranked higher than
77% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.35 vs. ALLY: 1.00 )
Ranked among companies with meaningful ROA (%) only.
ALLY' s 10-Year ROA (%) Range
Min: -0.09   Max: 1.25
Current: 1

-0.09
1.25
ROC (Joel Greenblatt) (%) 139.32
ALLY's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.53 vs. ALLY: 139.32 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ALLY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 23.69   Max: 55.38
Current: 139.32

23.69
55.38
» ALLY's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

ALLY Guru Trades in Q2 2014

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

ALLY Guru Trades in Q4 2014

Leon Cooperman 150,000 sh (New)
Steven Cohen 1,747,850 sh (New)
NWQ Managers 66,500 sh (New)
Jim Simons 77,900 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
Q1 2015

ALLY Guru Trades in Q1 2015

Paul Tudor Jones 36,649 sh (+128.54%)
Richard Snow 2,558,980 sh (+5.91%)
Richard Perry 22,009,083 sh (+4.76%)
Jeremy Grantham 2,214,100 sh (+2.66%)
Howard Marks 9,563,530 sh (+2.52%)
George Soros 2,084,595 sh (unchged)
Michael Price 707,500 sh (unchged)
Leon Cooperman Sold Out
Third Avenue Management Sold Out
NWQ Managers Sold Out
Jim Simons Sold Out
Daniel Loeb 26,000,000 sh (-13.33%)
Daniel Loeb 26,000,000 sh (-13.33%)
Chuck Royce 15,100 sh (-68.74%)
Steven Cohen 227,800 sh (-86.97%)
Louis Moore Bacon 93,941 sh (-92.72%)
» 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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» Interactive Charts

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Preferred stocks of Ally Financial Inc

SymbolPriceYieldDescription
ALFI1010.006.937 % Perp Pfd Shs Series -G- Reg-S
ALLYPRB26.708.04Fixed to Floating Rate Perp Pfd Shs Series -A-
GMSPZ0.000.007 % Perp Pfd Shs Series -G

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Ratios

vs
industry
vs
history
P/E(ttm) 8.90
ALLY's P/E(ttm) is ranked higher than
88% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 18.90 vs. ALLY: 8.90 )
Ranked among companies with meaningful P/E(ttm) only.
ALLY' s 10-Year P/E(ttm) Range
Min: 7.77   Max: 30.02
Current: 8.9

7.77
30.02
Forward P/E 9.45
ALLY's Forward P/E is ranked higher than
85% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.00 vs. ALLY: 9.45 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.10
ALLY's PE(NRI) is ranked higher than
61% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 27.40 vs. ALLY: 17.10 )
Ranked among companies with meaningful PE(NRI) only.
ALLY' s 10-Year PE(NRI) Range
Min: 13.76   Max: 71.29
Current: 17.1

13.76
71.29
P/B 0.70
ALLY's P/B is ranked higher than
80% of the 1624 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.10 vs. ALLY: 0.70 )
Ranked among companies with meaningful P/B only.
ALLY' s 10-Year P/B Range
Min: 0.63   Max: 1.01
Current: 0.7

0.63
1.01
P/S 2.38
ALLY's P/S is ranked higher than
65% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.00 vs. ALLY: 2.38 )
Ranked among companies with meaningful P/S only.
ALLY' s 10-Year P/S Range
Min: 1.94   Max: 2.78
Current: 2.38

1.94
2.78
POCF 4.02
ALLY's POCF is ranked higher than
87% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.00 vs. ALLY: 4.02 )
Ranked among companies with meaningful POCF only.
ALLY' s 10-Year POCF Range
Min: 2.65   Max: 28.03
Current: 4.02

2.65
28.03
EV-to-EBIT 62.07
ALLY's EV-to-EBIT is ranked lower than
61% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 24.38 vs. ALLY: 62.07 )
Ranked among companies with meaningful EV-to-EBIT only.
ALLY' s 10-Year EV-to-EBIT Range
Min: 61   Max: 114.9
Current: 62.07

61
114.9
Days Sales Outstanding 136.58
ALLY's Days Sales Outstanding is ranked higher than
70% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.00 vs. ALLY: 136.58 )
Ranked among companies with meaningful Days Sales Outstanding only.
ALLY' s 10-Year Days Sales Outstanding Range
Min: 104.17   Max: 8001.8
Current: 136.58

104.17
8001.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
ALLY's Price/Tangible Book is ranked higher than
86% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.00 vs. ALLY: 0.70 )
Ranked among companies with meaningful Price/Tangible Book only.
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 1.00
ALLY's Price/Median PS Value is ranked higher than
82% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.00 vs. ALLY: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
ALLY' s 10-Year Price/Median PS Value Range
Min: 0.94   Max: 1.19
Current: 1

0.94
1.19
Price/Graham Number 0.60
ALLY's Price/Graham Number is ranked higher than
89% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.20 vs. ALLY: 0.60 )
Ranked among companies with meaningful Price/Graham Number only.
ALLY' s 10-Year Price/Graham Number Range
Min: 0.56   Max: 1
Current: 0.6

0.56
1
Earnings Yield (Greenblatt) 1.60
ALLY's Earnings Yield (Greenblatt) is ranked lower than
60% of the 2100 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.00 vs. ALLY: 1.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
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 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.
» More Articles for ALLY

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Ally Financial Announces Final Results of Cash Tender Offer for Series A Preferred Shares May 21 2015
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Moody's auto ABS lease performance strong, floorplan improves, but loans worsen marginally Apr 30 2015
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