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Also traded in: Germany, UK

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 : 3/10

vs
industry
vs
history
Cash-to-Debt 0.08
ALLY's Cash-to-Debt is ranked lower than
94% of the 1374 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.22 vs. ALLY: 0.08 )
Ranked among companies with meaningful Cash-to-Debt only.
ALLY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.17
Current: 0.08
0.07
0.17
Equity-to-Asset 0.08
ALLY's Equity-to-Asset is ranked lower than
75% of the 1386 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.11 vs. ALLY: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
ALLY' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.13
Current: 0.08
0.08
0.13
Debt-to-Equity 3.95
ALLY's Debt-to-Equity is ranked lower than
95% of the 1222 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.72 vs. ALLY: 3.95 )
Ranked among companies with meaningful Debt-to-Equity only.
ALLY' s Debt-to-Equity Range Over the Past 10 Years
Min: 3.47  Med: 4.73 Max: 5.48
Current: 3.95
3.47
5.48
Debt-to-EBITDA 7.66
ALLY's Debt-to-EBITDA is ranked lower than
89% of the 1236 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.99 vs. ALLY: 7.66 )
Ranked among companies with meaningful Debt-to-EBITDA only.
ALLY' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 7.66
Current: 7.66
0
7.66
Beneish M-Score: -2.38
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 : 3/10

vs
industry
vs
history
Net Margin % 17.13
ALLY's Net Margin % is ranked lower than
71% of the 1390 Companies
in the Global Specialty Finance industry.

( Industry Median: 23.34 vs. ALLY: 17.13 )
Ranked among companies with meaningful Net Margin % only.
ALLY' s Net Margin % Range Over the Past 10 Years
Min: -185.99  Med: 13.84 Max: 20.29
Current: 17.13
-185.99
20.29
ROE % 8.69
ALLY's ROE % is ranked lower than
56% of the 1390 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.73 vs. ALLY: 8.69 )
Ranked among companies with meaningful ROE % only.
ALLY' s ROE % Range Over the Past 10 Years
Min: -8.89  Med: -1.02 Max: 8.69
Current: 8.69
-8.89
8.69
ROA % 0.68
ALLY's ROA % is ranked lower than
66% of the 1396 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.90 vs. ALLY: 0.68 )
Ranked among companies with meaningful ROA % only.
ALLY' s ROA % Range Over the Past 10 Years
Min: -0.09  Med: 0.66 Max: 1.25
Current: 0.68
-0.09
1.25
3-Year Revenue Growth Rate 1.40
ALLY's 3-Year Revenue Growth Rate is ranked higher than
85% of the 1293 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.30 vs. ALLY: 1.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ALLY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -24.9  Med: 0.7 Max: 11.8
Current: 1.4
-24.9
11.8
3-Year EPS without NRI Growth Rate 14.30
ALLY's 3-Year EPS without NRI Growth Rate is ranked higher than
74% of the 1163 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.80 vs. ALLY: 14.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ALLY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 24.6
Current: 14.3
0
24.6
GuruFocus has detected 1 Warning Sign with Ally Financial Inc ALLY.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ALLY's 30-Y Financials

Financials (Next Earnings Date: 2019-01-31 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2017

ALLY Guru Trades in Q4 2017

Paul Tudor Jones 14,131 sh (New)
Pioneer Investments 258,907 sh (New)
David Tepper 8,036,523 sh (+18.00%)
Lee Ainslie 229,020 sh (+56.55%)
Bill Nygren 17,435,000 sh (unchged)
David Dreman 21,650 sh (unchged)
Ronald Muhlenkamp 46,800 sh (unchged)
Richard Snow 2,599,088 sh (-0.71%)
HOTCHKIS & WILEY 5,735,700 sh (-4.29%)
Jeremy Grantham 1,770,000 sh (-17.67%)
First Pacific Advisors 11,930,129 sh (-5.45%)
Steven Romick 9,303,788 sh (-6.43%)
Howard Marks 9,760,000 sh (-1.35%)
Leon Cooperman 872,368 sh (-2.41%)
» More
Q1 2018

ALLY Guru Trades in Q1 2018

Lee Ainslie 314,040 sh (+37.12%)
Pioneer Investments 277,935 sh (+7.35%)
Bill Nygren 17,435,000 sh (unchged)
David Dreman 21,650 sh (unchged)
Ronald Muhlenkamp 46,800 sh (unchged)
Paul Tudor Jones Sold Out
Richard Snow 2,508,094 sh (-3.50%)
HOTCHKIS & WILEY 4,652,800 sh (-18.88%)
David Tepper 7,948,145 sh (-1.10%)
Jeremy Grantham 1,420,000 sh (-19.77%)
First Pacific Advisors 10,540,353 sh (-11.65%)
Steven Romick 8,269,555 sh (-11.12%)
Howard Marks 8,712,400 sh (-10.73%)
Leon Cooperman 267,680 sh (-69.32%)
» More
Q2 2018

ALLY Guru Trades in Q2 2018

Ken Fisher 30,235 sh (New)
Paul Tudor Jones 12,929 sh (New)
Caxton Associates 24,191 sh (New)
Jim Simons 62,700 sh (New)
Ronald Muhlenkamp 46,800 sh (unchged)
Steven Romick 8,269,555 sh (unchged)
Howard Marks 8,712,400 sh (unchged)
Bill Nygren 17,435,000 sh (unchged)
Richard Snow 2,263,580 sh (-9.75%)
HOTCHKIS & WILEY 4,615,700 sh (-0.80%)
David Tepper 4,817,993 sh (-39.38%)
Lee Ainslie 277,880 sh (-11.51%)
Jeremy Grantham 710,000 sh (-50.00%)
First Pacific Advisors 10,451,523 sh (-0.84%)
Pioneer Investments 238,837 sh (-14.07%)
Leon Cooperman 100,000 sh (-62.64%)
» More
Q3 2018

ALLY Guru Trades in Q3 2018

Jim Simons 756,600 sh (+1106.70%)
Pioneer Investments 334,892 sh (+40.22%)
Ronald Muhlenkamp 46,800 sh (unchged)
Jeremy Grantham 710,000 sh (unchged)
Pioneer Investments 122,700 sh (unchged)
Howard Marks 8,712,400 sh (unchged)
Bill Nygren 17,435,000 sh (unchged)
Ken Fisher Sold Out
Leon Cooperman Sold Out
David Tepper Sold Out
Paul Tudor Jones Sold Out
Steven Romick 6,066,281 sh (-26.64%)
First Pacific Advisors 7,644,921 sh (-26.85%)
Richard Snow 2,095,188 sh (-7.44%)
HOTCHKIS & WILEY 4,459,700 sh (-3.38%)
Lee Ainslie 239,770 sh (-13.71%)
Caxton Associates 15,641 sh (-35.34%)
» 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%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
» Interactive Charts

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Preferred stocks of Ally Financial Inc

SymbolPriceYieldDescription
ALLYPRBCL.PFD24.998.48Fixed to Floating Rate Perp Pfd Shs Series -A-

Business Description

Industry: Banks » Specialty Finance    NAICS: 522390    SIC: 6159
Compare:BOM:535789, NYSE:SC, NSE:LICHSGFIN, HKSE:03360, BOM:511288, NSE:PNBHOUSING, NYSE:ESNT, NAS:TREE, LSE:PAG, NYSE:WD, NYSE:NSM, XKLS:1171, OTCPK:FNMA, HKSE:00056, TSX:FN, NYSE:TRTX, NYSE:KREF, NYSE:HTGC, OTCPK:FMCC, TSX:HCG » details
Traded in other countries:GMZ.Germany, 0HD0.UK,
Headquarter Location:USA
Ally Financial Inc is a US based financial service provider. It mainly serves automotive dealers and their retail customers. The company through its subsidiary operates insurance and corporate finance business.

Ally Financial is a diversified financial services firm that primarily services automotive dealers and their retail customers. The company operates as a financial holding company and a bank holding company. Its banking subsidiary, Ally Bank, caters to the direct banking market through Internet, mobile, and mail. The company reports two primary operating segments: dealer financial services and mortgage operations. Ally generates the vast majority of its revenue through its dealer financial services, which includes the automotive finance and insurance operations.

Guru Investment Theses on Ally Financial Inc

Bill Nygren Comments on Ally Financial - Jan 10, 2017

We continue to believe that financial stocks are quite undervalued as well. During the quarter we made a new investment in Ally Financial (NYSE:ALLY). 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 is no longer owned by GM. It serves a wide variety of dealers (including Ford, Chrysler and Toyota), and it is carefully building a consumer franchise. In our view, investors are myopically concerned that the auto business is at a cyclical peak. U.S. auto sales are near record levels, and credit losses are below long-term averages. Some believe Ally’s earnings have nowhere to go but down. We believe cyclical pressures will be more than offset by continued internal improvements, such as funding cost reductions (low-cost online deposits grew 19% in the third quarter of 2016) and improving the capital structure. With Ally’s stock trading at roughly 68% of tangible book value, we believe Ally is a compelling addition to the Oakmark Select Fund. We didn’t eliminate any positions during the quarter and exit 2016 with 20 investments in the portfolio.

From Bill Nygren (Trades, Portfolio)'s Oakmark Select Fund fourth quarter 2016 commentary.

Check out Bill Nygren latest stock trades

Ratios

vs
industry
vs
history
PE Ratio 9.16
ALLY's PE Ratio is ranked higher than
68% of the 1278 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.76 vs. ALLY: 9.16 )
Ranked among companies with meaningful PE Ratio only.
ALLY' s PE Ratio Range Over the Past 10 Years
Min: 7.76  Med: 11.09 Max: 31.19
Current: 9.16
7.76
31.19
Forward PE Ratio 7.01
ALLY's Forward PE Ratio is ranked higher than
86% of the 464 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.40 vs. ALLY: 7.01 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 9.23
ALLY's PE Ratio without NRI is ranked higher than
67% of the 1278 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.76 vs. ALLY: 9.23 )
Ranked among companies with meaningful PE Ratio without NRI only.
ALLY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.43  Med: 11.43 Max: 77.97
Current: 9.23
8.43
77.97
PB Ratio 0.78
ALLY's PB Ratio is ranked higher than
70% of the 1383 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.24 vs. ALLY: 0.78 )
Ranked among companies with meaningful PB Ratio only.
ALLY' s PB Ratio Range Over the Past 10 Years
Min: 0.56  Med: 0.76 Max: 1.01
Current: 0.78
0.56
1.01
PS Ratio 1.57
ALLY's PS Ratio is ranked higher than
79% of the 1373 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.41 vs. ALLY: 1.57 )
Ranked among companies with meaningful PS Ratio only.
ALLY' s PS Ratio Range Over the Past 10 Years
Min: 1.04  Med: 1.51 Max: 2.02
Current: 1.57
1.04
2.02
Price-to-Operating-Cash-Flow 2.62
ALLY's Price-to-Operating-Cash-Flow is ranked higher than
84% of the 803 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.07 vs. ALLY: 2.62 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ALLY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.33  Med: 2.82 Max: 27.78
Current: 2.62
1.33
27.78
EV-to-Revenue 8.57
ALLY's EV-to-Revenue is ranked lower than
58% of the 1151 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.50 vs. ALLY: 8.57 )
Ranked among companies with meaningful EV-to-Revenue only.
ALLY' s EV-to-Revenue Range Over the Past 10 Years
Min: 8.6  Med: 9.7 Max: 12.6
Current: 8.57
8.6
12.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.29
ALLY's Dividend Yield % is ranked lower than
67% of the 2530 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.60 vs. ALLY: 2.29 )
Ranked among companies with meaningful Dividend Yield % only.
ALLY' s Dividend Yield % Range Over the Past 10 Years
Min: 0.4  Med: 1.45 Max: 2.31
Current: 2.29
0.4
2.31
Dividend Payout Ratio 0.20
ALLY's Dividend Payout Ratio is ranked higher than
74% of the 1372 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.34 vs. ALLY: 0.20 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ALLY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.13 Max: 0.2
Current: 0.2
0.07
0.2
Forward Dividend Yield % 2.38
ALLY's Forward Dividend Yield % is ranked lower than
67% of the 2459 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.93 vs. ALLY: 2.38 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.29
ALLY's 5-Year Yield-on-Cost % is ranked lower than
73% of the 2507 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.30 vs. ALLY: 2.29 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ALLY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.4  Med: 1.45 Max: 2.31
Current: 2.29
0.4
2.31
3-Year Average Share Buyback Ratio 3.10
ALLY's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 975 Companies
in the Global Specialty Finance industry.

( Industry Median: -2.40 vs. ALLY: 3.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ALLY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -36  Med: -5.2 Max: 3.1
Current: 3.1
-36
3.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.79
ALLY's Price-to-Tangible-Book is ranked higher than
70% of the 1370 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.33 vs. ALLY: 0.79 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ALLY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.62  Med: 0.8 Max: 1.01
Current: 0.79
0.62
1.01
Price-to-Median-PS-Value 1.04
ALLY's Price-to-Median-PS-Value is ranked higher than
65% of the 1305 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.11 vs. ALLY: 1.04 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ALLY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.76  Med: 0.99 Max: 1.28
Current: 1.04
0.76
1.28
Price-to-Graham-Number 0.57
ALLY's Price-to-Graham-Number is ranked higher than
70% of the 1212 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.01 vs. ALLY: 0.57 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ALLY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.51  Med: 0.65 Max: 1.6
Current: 0.57
0.51
1.6

More Statistics

Revenue (TTM) (Mil) $6,738.00
EPS (TTM) $ 2.67
Beta1.33
Volatility14.45%
52-Week Range $23.69 - 31.29
Shares Outstanding (Mil)413.08

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 5,982 6,407 6,940
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 3.07 3.53 4.09
EPS without NRI ($) 3.07 3.53 4.09
EPS Growth Rate
(Future 3Y To 5Y Estimate)
18.00%
Dividends per Share ($) 0.54 0.64 0.75

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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