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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
GMSPZ's Cash to Debt is ranked lower than
51% of the 1570 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.48 vs. GMSPZ: 0.08 )
GMSPZ' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.08

Equity to Asset 0.10
GMSPZ's Equity to Asset is ranked higher than
70% of the 2021 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.09 vs. GMSPZ: 0.10 )
GMSPZ' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.13
Current: 0.1

0.09
0.13
Interest Coverage 0.11
GMSPZ's Interest Coverage is ranked lower than
53% of the 1845 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.30 vs. GMSPZ: 0.11 )
GMSPZ' s 10-Year Interest Coverage Range
Min: 0.01   Max: 0.13
Current: 0.11

0.01
0.13
F-Score: 3
Z-Score: 0.12
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 (%) 16.48
GMSPZ's Operating margin (%) is ranked higher than
58% of the 2032 Companies
in the Global Specialty Finance industry.

( Industry Median: 29.47 vs. GMSPZ: 16.48 )
GMSPZ' s 10-Year Operating margin (%) Range
Min: -15.41   Max: 14.9
Current: 16.48

-15.41
14.9
Net-margin (%) 15.65
GMSPZ's Net-margin (%) is ranked higher than
64% of the 2032 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.42 vs. GMSPZ: 15.65 )
GMSPZ' s 10-Year Net-margin (%) Range
Min: -2.59   Max: 24.42
Current: 15.65

-2.59
24.42
ROE (%) 6.92
GMSPZ's ROE (%) is ranked higher than
69% of the 2042 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.60 vs. GMSPZ: 6.92 )
GMSPZ' s 10-Year ROE (%) Range
Min: -0.79   Max: 6.09
Current: 6.92

-0.79
6.09
ROA (%) 0.72
GMSPZ's ROA (%) is ranked higher than
70% of the 2045 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.80 vs. GMSPZ: 0.72 )
GMSPZ' s 10-Year ROA (%) Range
Min: -0.09   Max: 0.65
Current: 0.72

-0.09
0.65
ROC (Joel Greenblatt) (%) 177.33
GMSPZ's ROC (Joel Greenblatt) (%) is ranked higher than
88% of the 2013 Companies
in the Global Specialty Finance industry.

( Industry Median: 77.18 vs. GMSPZ: 177.33 )
GMSPZ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 23.69   Max: 23.69
Current: 177.33

» GMSPZ's 10-Y Financials

Financials


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Preferred stocks of Ally Financial Inc

SymbolPriceYieldDescription
ALFI1010.006.937 % Perp Pfd Shs Series -G- Reg-S
ALLYPRB0.008.01Fixed to Floating Rate Perp Pfd Shs Series -A-
GMSPZ0.000.007 % Perp Pfd Shs Series -G

Ratios

vs
industry
vs
history
P/E(ttm) 28.90
GMSPZ's P/E(ttm) is ranked higher than
67% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 18.00 vs. GMSPZ: 28.90 )
GMSPZ' s 10-Year P/E(ttm) Range
Min: 25.11   Max: 30.02
Current: 28.9

25.11
30.02
P/B 0.83
GMSPZ's P/B is ranked higher than
89% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.33 vs. GMSPZ: 0.83 )
GMSPZ' s 10-Year P/B Range
Min: 0.72   Max: 1.01
Current: 0.83

0.72
1.01
P/S 1.64
GMSPZ's P/S is ranked higher than
92% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.59 vs. GMSPZ: 1.64 )
GMSPZ' s 10-Year P/S Range
Min: 1.43   Max: 1.88
Current: 1.64

1.43
1.88
EV-to-EBIT 70.21
GMSPZ's EV-to-EBIT is ranked higher than
59% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 19.57 vs. GMSPZ: 70.21 )
GMSPZ' s 10-Year EV-to-EBIT Range
Min: 68.9   Max: 114.9
Current: 70.21

68.9
114.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.83
GMSPZ's Price/Tangible Book is ranked higher than
91% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.60 vs. GMSPZ: 0.83 )
GMSPZ' s 10-Year Price/Tangible Book Range
Min: 0.81   Max: 1.01
Current: 0.83

0.81
1.01
Price/Median PS Value 1.01
GMSPZ's Price/Median PS Value is ranked higher than
87% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.22 vs. GMSPZ: 1.01 )
GMSPZ' s 10-Year Price/Median PS Value Range
Min: 0.99   Max: 1.16
Current: 1.01

0.99
1.16
Price/Graham Number 0.68
GMSPZ's Price/Graham Number is ranked higher than
90% of the 2646 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.18 vs. GMSPZ: 0.68 )
GMSPZ' s 10-Year Price/Graham Number Range
Min: 0.66   Max: 1
Current: 0.68

0.66
1
Earnings Yield (Greenblatt) 1.40
GMSPZ's Earnings Yield (Greenblatt) is ranked higher than
54% of the 2006 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.60 vs. GMSPZ: 1.40 )
GMSPZ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 1.5
Current: 1.4

0.9
1.5

Business Description

Industry: Banks » Specialty Finance
Compare: » details
Traded in other countries:ALLY.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.

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