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Also traded in: Germany, USA

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
93% of the 1088 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.69 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: 0.12 Max: N/A
Current: 0.09
Equity to Asset 0.09
ALLY's Equity to Asset is ranked lower than
66% of the 1578 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: 0.10 Max: 0.13
Current: 0.09
0.09
0.13
Interest Coverage 0.34
ALLY's Interest Coverage is ranked lower than
87% of the 1429 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.82 vs. ALLY: 0.34 )
Ranked among companies with meaningful Interest Coverage only.
ALLY' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.15 Max: 0.45
Current: 0.34
0.11
0.45
F-Score: 5
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 (%) 28.66
ALLY's Operating margin (%) is ranked lower than
57% of the 1590 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.86 vs. ALLY: 28.66 )
Ranked among companies with meaningful Operating margin (%) only.
ALLY' s Operating margin (%) Range Over the Past 10 Years
Min: -111.4  Med: 9.94 Max: 26.79
Current: 28.66
-111.4
26.79
Net-margin (%) 26.52
ALLY's Net-margin (%) is ranked higher than
64% of the 1593 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.37 vs. ALLY: 26.52 )
Ranked among companies with meaningful Net-margin (%) only.
ALLY' s Net-margin (%) Range Over the Past 10 Years
Min: -166.04  Med: 11.27 Max: 26.79
Current: 26.52
-166.04
26.79
ROE (%) -8.25
ALLY's ROE (%) is ranked lower than
96% of the 1589 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.01 vs. ALLY: -8.25 )
Ranked among companies with meaningful ROE (%) only.
ALLY' s ROE (%) Range Over the Past 10 Years
Min: -7.67  Med: -4.04 Max: 5.96
Current: -8.25
-7.67
5.96
ROA (%) 0.83
ALLY's ROA (%) is ranked lower than
53% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.86 vs. ALLY: 0.83 )
Ranked among companies with meaningful ROA (%) only.
ALLY' s ROA (%) Range Over the Past 10 Years
Min: -0.09  Med: 0.65 Max: 1.25
Current: 0.83
-0.09
1.25
Revenue Growth (3Y)(%) 5.30
ALLY's Revenue Growth (3Y)(%) is ranked lower than
100% of the 1284 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.10 vs. ALLY: 5.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ALLY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.1  Med: -30.90 Max: 5.3
Current: 5.3
-34.1
5.3
» ALLY's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Jim Simons Sold Out
NWQ Managers Sold Out
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
Q2 2015

ALLY Guru Trades in Q2 2015

Jeremy Grantham 2,514,100 sh (+13.55%)
Richard Perry 22,009,083 sh (unchged)
George Soros 2,084,595 sh (unchged)
Michael Price 707,500 sh (unchged)
Chuck Royce Sold Out
Louis Moore Bacon Sold Out
Richard Snow 2,546,295 sh (-0.50%)
Howard Marks 9,003,530 sh (-5.86%)
Paul Tudor Jones 17,314 sh (-52.76%)
Daniel Loeb 10,000,000 sh (-61.54%)
Steven Cohen 59,000 sh (-74.10%)
» More
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)
Daniel Loeb Sold Out
Paul Tudor Jones 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

Jim Simons 129,400 sh (New)
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%)
» 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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Preferred stocks of Ally Financial Inc

SymbolPriceYieldDescription
ALFI19.13365.887 % Perp Pfd Shs Series -G- Reg-S
ALLYPRB24.788.56Fixed to Floating Rate Perp Pfd Shs Series -A-
GMSPZ0.000.007 % Perp Pfd Shs Series -G

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

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...
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"I try every chance I get to convince people that, in investing, there's no such thing as a good idea ... or a bad idea. Anything can be a good idea at one price and time, and a bad one at another," Howard Marks of Oaktree Capital Management LP said in one of his notes he sends out to shareholders. Read more...
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Ratios

vs
industry
vs
history
Forward P/E 6.46
ALLY's Forward P/E is ranked higher than
82% of the 1347 Companies
in the Global Specialty Finance industry.

( Industry Median: 9.44 vs. ALLY: 6.46 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.63
ALLY's P/B is ranked higher than
74% of the 2306 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.09 vs. ALLY: 0.63 )
Ranked among companies with meaningful P/B only.
ALLY' s P/B Range Over the Past 10 Years
Min: 0.55  Med: 0.78 Max: 1.01
Current: 0.63
0.55
1.01
P/S 1.74
ALLY's P/S is ranked higher than
71% of the 2512 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.48 vs. ALLY: 1.74 )
Ranked among companies with meaningful P/S only.
ALLY' s P/S Range Over the Past 10 Years
Min: 1.68  Med: 2.31 Max: 2.74
Current: 1.74
1.68
2.74
POCF 1.62
ALLY's POCF is ranked higher than
82% of the 1560 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.05 vs. ALLY: 1.62 )
Ranked among companies with meaningful POCF only.
ALLY' s POCF Range Over the Past 10 Years
Min: 1.55  Med: 3.60 Max: 37.8
Current: 1.62
1.55
37.8
EV-to-EBIT 6.53
ALLY's EV-to-EBIT is ranked higher than
82% of the 2210 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.37 vs. ALLY: 6.53 )
Ranked among companies with meaningful EV-to-EBIT only.
ALLY' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.52  Med: 69.10 Max: 114.9
Current: 6.53
6.52
114.9
EV-to-EBITDA 1.83
ALLY's EV-to-EBITDA is ranked higher than
97% of the 2214 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.19 vs. ALLY: 1.83 )
Ranked among companies with meaningful EV-to-EBITDA only.
ALLY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.83  Med: 19.45 Max: 22.4
Current: 1.83
1.83
22.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.62
ALLY's Price/Tangible Book is ranked higher than
83% of the 2217 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.17 vs. ALLY: 0.62 )
Ranked among companies with meaningful Price/Tangible Book only.
ALLY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.69  Med: 0.80 Max: 1.01
Current: 0.62
0.69
1.01
Price/Median PS Value 0.76
ALLY's Price/Median PS Value is ranked higher than
75% of the 2134 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.93 vs. ALLY: 0.76 )
Ranked among companies with meaningful Price/Median PS Value only.
ALLY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.94  Med: 1.02 Max: 1.2
Current: 0.76
0.94
1.2
Earnings Yield (Greenblatt) (%) 15.33
ALLY's Earnings Yield (Greenblatt) (%) is ranked higher than
83% of the 1519 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.20 vs. ALLY: 15.33 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ALLY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.9  Med: 1.45 Max: 15.38
Current: 15.33
0.9
15.38
Forward Rate of Return (Yacktman) (%) -2.89
ALLY's Forward Rate of Return (Yacktman) (%) is ranked lower than
82% of the 869 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.65 vs. ALLY: -2.89 )
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: -5.6  Med: -4.50 Max: -4.5
Current: -2.89
-5.6
-4.5

More Statistics

Revenue(Mil) $4861
EPS $ -2.66
Short Percentage of Float5.72%
52-Week Range $14.55 - 23.83
Shares Outstanding(Mil)481.75

Analyst Estimate

Dec16 Dec17
Revenue(Mil) 5,805 6,317
EPS($) 2.49 2.53
EPS without NRI($) 2.49 2.53

Business Description

Industry: Banks » Specialty Finance
Compare: » details
Traded in other countries:GMZ.Germany, ALFI.USA,
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

Headlines

Articles On GuruFocus.com
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 
A Look At The Stocks Howard Marks Keeps Buying Mar 09 2015 
Richard Perry's Fourth-Quarter Transactions Had High Impact on Portfolio Feb 16 2015 
Howard Marks and His Top Four Heavily Weighted Stocks Jan 28 2015 
Activist Guru Dan Loeb Leaves His Mark in Many Ways Oct 03 2014 

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