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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
NYSE:ALLY's Cash to Debt is ranked higher than
50% of the 1612 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.46 vs. NYSE:ALLY: 0.08 )
NYSE:ALLY' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.08

Equity to Asset 0.10
NYSE:ALLY's Equity to Asset is ranked higher than
72% of the 2022 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.09 vs. NYSE:ALLY: 0.10 )
NYSE: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
NYSE:ALLY's Interest Coverage is ranked lower than
52% of the 1874 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.35 vs. NYSE:ALLY: 0.11 )
NYSE: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
WACC vs ROIC
7.29%
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 (%) 19.93
NYSE:ALLY's Operating margin (%) is ranked higher than
62% of the 2058 Companies
in the Global Specialty Finance industry.

( Industry Median: 29.81 vs. NYSE:ALLY: 19.93 )
NYSE:ALLY' s 10-Year Operating margin (%) Range
Min: -23.91   Max: 14.9
Current: 19.93

-23.91
14.9
Net-margin (%) 18.40
NYSE:ALLY's Net-margin (%) is ranked higher than
69% of the 2058 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.95 vs. NYSE:ALLY: 18.40 )
NYSE:ALLY' s 10-Year Net-margin (%) Range
Min: -3.95   Max: 20.4
Current: 18.4

-3.95
20.4
ROE (%) 7.76
NYSE:ALLY's ROE (%) is ranked higher than
73% of the 2060 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.74 vs. NYSE:ALLY: 7.76 )
NYSE:ALLY' s 10-Year ROE (%) Range
Min: -0.79   Max: 6.11
Current: 7.76

-0.79
6.11
ROA (%) 0.77
NYSE:ALLY's ROA (%) is ranked higher than
73% of the 2064 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.78 vs. NYSE:ALLY: 0.77 )
NYSE:ALLY' s 10-Year ROA (%) Range
Min: -0.09   Max: 0.65
Current: 0.77

-0.09
0.65
ROC (Joel Greenblatt) (%) 117.04
NYSE:ALLY's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 2021 Companies
in the Global Specialty Finance industry.

( Industry Median: 78.79 vs. NYSE:ALLY: 117.04 )
NYSE:ALLY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 23.69   Max: 23.69
Current: 117.04

» NYSE: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

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

NWQ Managers 66,500 sh (New)
Leon Cooperman 150,000 sh (New)
Jim Simons 77,900 sh (New)
Steven Cohen 1,747,850 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 30,000,000 sh (-28.43%)
Paul Tudor Jones 16,036 sh (-57.51%)
» More
» Details

Insider Trades

Latest Guru Trades with NYSE: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
Richard Perry 2014-12-31 Add 45.56%6.51%$20.12 - $23.99 $ 20.78-8%21009083
Daniel Loeb 2014-12-31 Reduce -28.43%3.16%$20.12 - $23.99 $ 20.78-8%30000000
George Soros 2014-12-31 Add 39.49%0.15%$20.12 - $23.99 $ 20.78-8%2084595
Leon Cooperman 2014-12-31 New Buy0.06%$20.12 - $23.99 $ 20.78-8%150000
NWQ Managers 2014-12-31 New Buy0.02%$20.12 - $23.99 $ 20.78-8%66500
Daniel Loeb 2014-09-30 Reduce -8.07%1.08%$22.6 - $24.95 $ 20.78-13%41915000
John Paulson 2014-09-30 Sold Out 0.21%$22.6 - $24.95 $ 20.78-13%0
Richard Perry 2014-09-30 Add 1.14%0.14%$22.6 - $24.95 $ 20.78-13%14433098
Daniel Loeb 2014-06-30 New Buy13.4%$23.46 - $25.21 $ 20.78-14%45595000
Richard Perry 2014-06-30 New Buy9.4%$23.46 - $25.21 $ 20.78-14%14270730
Richard Snow 2014-06-30 New Buy1.9%$23.46 - $25.21 $ 20.78-14%2338372
George Soros 2014-06-30 New Buy0.27%$23.46 - $25.21 $ 20.78-14%1494450
John Paulson 2014-06-30 New Buy0.21%$23.46 - $25.21 $ 20.78-14%2006213
Third Avenue Management 2014-06-30 New Buy0.06%$23.46 - $25.21 $ 20.78-14%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
ALLYPRB0.008.00Fixed 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) 25.00
ALLY's P/E(ttm) is ranked higher than
69% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 17.80 vs. ALLY: 25.00 )
ALLY' s 10-Year P/E(ttm) Range
Min: 22.52   Max: 30.02
Current: 25

22.52
30.02
Forward P/E 8.72
ALLY's Forward P/E is ranked higher than
94% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 17.42 vs. ALLY: 8.72 )
N/A
PE(NRI) 59.40
ALLY's PE(NRI) is ranked higher than
65% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 17.80 vs. ALLY: 59.40 )
ALLY' s 10-Year PE(NRI) Range
Min: 53.46   Max: 71.29
Current: 59.4

53.46
71.29
P/B 0.70
ALLY's P/B is ranked higher than
92% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.32 vs. ALLY: 0.70 )
ALLY' s 10-Year P/B Range
Min: 0.64   Max: 1.01
Current: 0.7

0.64
1.01
P/S 1.42
ALLY's P/S is ranked higher than
95% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.63 vs. ALLY: 1.42 )
ALLY' s 10-Year P/S Range
Min: 1.28   Max: 1.88
Current: 1.42

1.28
1.88
POCF 23.35
ALLY's POCF is ranked higher than
74% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 77.89 vs. ALLY: 23.35 )
ALLY' s 10-Year POCF Range
Min: 8.27   Max: 28.03
Current: 23.35

8.27
28.03
EV-to-EBIT 68.85
ALLY's EV-to-EBIT is ranked higher than
60% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 19.45 vs. ALLY: 68.85 )
ALLY' s 10-Year EV-to-EBIT Range
Min: 68   Max: 114.9
Current: 68.85

68
114.9
Days Sales Outstanding 98.97
ALLY's Days Sales Outstanding is ranked higher than
80% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.00 vs. ALLY: 98.97 )
ALLY' s 10-Year Days Sales Outstanding Range
Min: 94.08   Max: 6092.77
Current: 98.97

94.08
6092.77

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
ALLY's Price/Tangible Book is ranked higher than
92% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.51 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 0.88
ALLY's Price/Median PS Value is ranked higher than
93% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.24 vs. ALLY: 0.88 )
ALLY' s 10-Year Price/Median PS Value Range
Min: 0.98   Max: 1.16
Current: 0.88

0.98
1.16
Price/Graham Number 0.58
ALLY's Price/Graham Number is ranked higher than
93% of the 2695 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.17 vs. ALLY: 0.58 )
ALLY' s 10-Year Price/Graham Number Range
Min: 0.65   Max: 1
Current: 0.58

0.65
1
Earnings Yield (Greenblatt) 1.50
ALLY's Earnings Yield (Greenblatt) is ranked higher than
55% of the 2048 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.50 vs. ALLY: 1.50 )
ALLY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 1.5
Current: 1.5

0.9
1.5

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 NYSE:ALLY

Headlines

Articles On GuruFocus.com
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 
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 


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