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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 0.09
NYSE:ALLY's Cash to Debt is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. NYSE:ALLY: 0.09 )
NYSE:ALLY' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.09

Equity to Asset 0.10
NYSE:ALLY's Equity to Asset is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: 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
100% of the Companies
in the Global industry.

( Industry Median: 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: -0.03
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 (%) 5.70
NYSE:ALLY's Operating margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. NYSE:ALLY: 5.70 )
NYSE:ALLY' s 10-Year Operating margin (%) Range
Min: -23.91   Max: 14.9
Current: 5.7

-23.91
14.9
Net-margin (%) 5.77
NYSE:ALLY's Net-margin (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. NYSE:ALLY: 5.77 )
NYSE:ALLY' s 10-Year Net-margin (%) Range
Min: -3.95   Max: 20.4
Current: 5.77

-3.95
20.4
ROE (%) 2.54
NYSE:ALLY's ROE (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. NYSE:ALLY: 2.54 )
NYSE:ALLY' s 10-Year ROE (%) Range
Min: -0.81   Max: 6.01
Current: 2.54

-0.81
6.01
ROA (%) 0.24
NYSE:ALLY's ROA (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. NYSE:ALLY: 0.24 )
NYSE:ALLY' s 10-Year ROA (%) Range
Min: -0.09   Max: 0.66
Current: 0.24

-0.09
0.66
ROC (Joel Greenblatt) (%) 11.84
NYSE:ALLY's ROC (Joel Greenblatt) (%) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. NYSE:ALLY: 11.84 )
NYSE:ALLY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 11.84   Max: 11.84
Current: 11.84

» NYSE:ALLY's 10-Y Financials

Financials


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

» Details

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Preferred stocks of Ally Financial Inc

SymbolPriceYieldDescription
ALFI1010.006.937 % Perp Pfd Shs Series -G- Reg-S
ALLYPRB0.007.65Fixed to Floating Rate Perp Pfd Shs Series -A-
GMSPZ0.000.007 % Perp Pfd Shs Series -G

Ratios

vs
industry
vs
history
P/B 0.90
ALLY's P/B is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 0.90 )
ALLY' s 10-Year P/B Range
Min: 0.84   Max: 1.01
Current: 0.9

0.84
1.01
P/S 20.83
ALLY's P/S is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 20.83 )
ALLY' s 10-Year P/S Range
Min: 2.28   Max: 20.9
Current: 20.83

2.28
20.9
PFCF 25.90
ALLY's PFCF is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 25.90 )
ALLY' s 10-Year PFCF Range
Min: 25.16   Max: 30.33
Current: 25.9

25.16
30.33
EV-to-EBIT 112.13
ALLY's EV-to-EBIT is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 112.13 )
ALLY' s 10-Year EV-to-EBIT Range
Min: 4931.9   Max: 5924.7
Current: 112.13

4931.9
5924.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
ALLY's Price/Tangible Book is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 0.90 )
ALLY' s 10-Year Price/Tangible Book Range
Min: 1.01   Max: 1.01
Current: 0.9

Price/Median PS Value 1.00
ALLY's Price/Median PS Value is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 1.00 )
ALLY' s 10-Year Price/Median PS Value Range
Min: 1.15   Max: 1.15
Current: 1

Price/Graham Number 0.90
ALLY's Price/Graham Number is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 0.90 )
ALLY' s 10-Year Price/Graham Number Range
Min: 1   Max: 1
Current: 0.9

Earnings Yield (Greenblatt) 0.90
ALLY's Earnings Yield (Greenblatt) is ranked lower than
100% of the Companies
in the Global industry.

( Industry Median: vs. ALLY: 0.90 )
ALLY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0   Max: 0.9
Current: 0.9

0
0.9

Business Description

Industry: »
Compare: » details
Traded in other countries:ALFI.USA, GMZ.Germany
Ally Financial Inc. is an independent financial services firm which provides financial products and services to automotive dealers and their customers. Its primary banking subsidiary is Ally Bank, which is an indirect wholly owned subsidiary of Ally Financial Inc. Global Automotive Services and Mortgage are its primary lines of business. Its Global Automotive Services offer a wide range of financial services and products to retail automotive consumers, automotive dealerships, and other commercial businesses. Its Global Automotive Services consist of three separate reportable segments — North American Automotive Finance operations, International Automotive Finance operations, and Insurance operations. The products and services offered by its automotive finance services include the purchase of retail installment sales contracts and leases, offering of term loans to dealers, financing of dealer floorplans and other lines of credit to dealers, fleet leasing, and vehicle remarketing services. It also offer vehicle service contracts and selected commercial insurance coverages in the United States and internationally. Its vehicle service contracts offer vehicle owners and lessees mechanical repair protection and roadside assistance for new and used vehicles beyond the manufacturer's new vehicle warranty. Its Mortgage operations engage in the origination, purchase, servicing, sale, and securitization of consumer (i.e., residential) mortgage loans and mortgage-related products.
» More Articles for ALLY

Headlines

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Ally Financial Inc. -- Moody's revises Ally Financial's rating outlook to positive Jul 14 2014
Moody's upgrades Ally's revolving near-prime auto loan ABS from 2013 Jul 10 2014
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NAMAD and Ally Financial Announce Financial Literacy Initiative Jul 09 2014
ALLY FINANCIAL INC. Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in Fiscal... Jul 09 2014
Ally Financial Schedules Release of Second Quarter 2014 Financial Results Jul 08 2014
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