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Also traded in: Germany

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 0.07
ALLY's Cash-to-Debt is ranked lower than
96% of the 1615 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.12 vs. ALLY: 0.07 )
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: 0.07
0.07
0.17
Equity-to-Asset 0.08
ALLY's Equity-to-Asset is ranked lower than
75% of the 1617 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 4.12
ALLY's Debt-to-Equity is ranked lower than
96% of the 1231 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.63 vs. ALLY: 4.12 )
Ranked among companies with meaningful Debt-to-Equity only.
ALLY' s Debt-to-Equity Range Over the Past 10 Years
Min: 3.5  Med: 4.81 Max: 5.53
Current: 4.12
3.5
5.53
Debt-to-EBITDA 7.54
ALLY's Debt-to-EBITDA is ranked lower than
84% of the 1243 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.24 vs. ALLY: 7.54 )
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: 7.54
Current: 7.54
0
7.54
Beneish M-Score: -3.22
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
Net Margin % 13.49
ALLY's Net Margin % is ranked lower than
70% of the 1630 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.23 vs. ALLY: 13.49 )
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: 25.93
Current: 13.49
-185.99
25.93
ROE % 7.20
ALLY's ROE % is ranked lower than
61% of the 1631 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.44 vs. ALLY: 7.20 )
Ranked among companies with meaningful ROE % only.
ALLY' s ROE % Range Over the Past 10 Years
Min: -8.89  Med: -1.02 Max: 7.75
Current: 7.2
-8.89
7.75
ROA % 0.58
ALLY's ROA % is ranked lower than
70% of the 1634 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.87 vs. ALLY: 0.58 )
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: 0.58
-0.09
1.25
3-Year Revenue Growth Rate 14.50
ALLY's 3-Year Revenue Growth Rate is ranked higher than
72% of the 1453 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.40 vs. ALLY: 14.50 )
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: -31  Med: 8.45 Max: 14.5
Current: 14.5
-31
14.5
3-Year EPS without NRI Growth Rate 14.30
ALLY's 3-Year EPS without NRI Growth Rate is ranked higher than
70% of the 1339 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.60 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 2 Warning Signs 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: 2018-07-27)


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

» Details

Guru Trades

Q2 2017

ALLY Guru Trades in Q2 2017

David Tepper 1,097,824 sh (New)
Caxton Associates 22,200 sh (New)
Joel Greenblatt 11,062 sh (New)
HOTCHKIS & WILEY 5,275,900 sh (+262.48%)
First Pacific Advisors 12,787,000 sh (+18.12%)
David Dreman 21,650 sh (+6.42%)
Steven Romick 9,942,850 sh (unchged)
Ronald Muhlenkamp 46,800 sh (unchged)
Howard Marks 10,381,462 sh (unchged)
Bill Nygren 17,435,000 sh (unchged)
First Eagle Investment Sold Out
Jim Simons Sold Out
Michael Price Sold Out
Paul Tudor Jones Sold Out
Richard Snow 2,694,418 sh (-2.29%)
Leon Cooperman 710,147 sh (-10.11%)
Jeremy Grantham 2,350,000 sh (-10.67%)
» More
Q3 2017

ALLY Guru Trades in Q3 2017

Lee Ainslie 146,290 sh (New)
David Tepper 6,810,600 sh (+520.37%)
Leon Cooperman 893,868 sh (+25.87%)
HOTCHKIS & WILEY 5,993,000 sh (+13.59%)
Steven Romick 9,942,850 sh (unchged)
Ronald Muhlenkamp 46,800 sh (unchged)
David Dreman 21,650 sh (unchged)
Bill Nygren 17,435,000 sh (unchged)
Joel Greenblatt Sold Out
Caxton Associates Sold Out
First Pacific Advisors 12,617,200 sh (-1.33%)
Richard Snow 2,617,622 sh (-2.85%)
Howard Marks 9,893,300 sh (-4.70%)
Jeremy Grantham 2,150,000 sh (-8.51%)
» More
Q4 2017

ALLY Guru Trades in Q4 2017

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

ALLY Guru Trades in Q1 2018

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Tepper 2018-03-31 Reduce -1.10%0.02%$25.94 - $30.83 $ 27.05-6%7,948,145
HOTCHKIS & WILEY 2018-03-31 Reduce -18.88%0.12%$25.94 - $30.83 $ 27.05-6%4,652,800
Leon Cooperman 2018-03-31 Reduce -69.32%0.66%$25.94 - $30.83 $ 27.05-6%267,680
David Tepper 2017-12-31 Add 18.00%0.34%$23.96 - $29.41 $ 27.052%8,036,523
HOTCHKIS & WILEY 2017-12-31 Reduce -4.29%0.02%$23.96 - $29.41 $ 27.052%5,735,700
Leon Cooperman 2017-12-31 Reduce -2.41%0.02%$23.96 - $29.41 $ 27.052%872,368
David Tepper 2017-09-30 Add 520.37%1.95%$20.79 - $24.26 $ 27.0521%6,810,600
HOTCHKIS & WILEY 2017-09-30 Add 13.59%0.07%$20.79 - $24.26 $ 27.0521%5,993,000
Leon Cooperman 2017-09-30 Add 25.87%0.17%$20.79 - $24.26 $ 27.0521%893,868
Joel Greenblatt 2017-09-30 Sold Out $20.79 - $24.26 $ 27.0521%0
HOTCHKIS & WILEY 2017-06-30 Add 262.48%0.32%$18.22 - $21.21 $ 27.0538%5,275,900
David Tepper 2017-06-30 New Buy0.34%$18.22 - $21.21 $ 27.0538%1,097,824
Leon Cooperman 2017-06-30 Reduce -10.11%0.07%$18.22 - $21.21 $ 27.0538%710,147
David Dreman 2017-06-30 Add 6.42%0.02%$18.22 - $21.21 $ 27.0538%21,650
Joel Greenblatt 2017-06-30 New Buy$18.22 - $21.21 $ 27.0538%11,062
First Eagle Investment 2017-06-30 Sold Out 0.08%$18.22 - $21.21 $ 27.0538%0
Michael Price 2017-06-30 Sold Out 1.73%$18.22 - $21.21 $ 27.0538%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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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,
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 12.53
ALLY's PE Ratio is ranked higher than
56% of the 1497 Companies
in the Global Specialty Finance industry.

( Industry Median: 15.27 vs. ALLY: 12.53 )
Ranked among companies with meaningful PE Ratio only.
ALLY' s PE Ratio Range Over the Past 10 Years
Min: 7.76  Med: 11.24 Max: 31.19
Current: 12.53
7.76
31.19
Forward PE Ratio 8.89
ALLY's Forward PE Ratio is ranked higher than
86% of the 443 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.87 vs. ALLY: 8.89 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 12.63
ALLY's PE Ratio without NRI is ranked higher than
55% of the 1499 Companies
in the Global Specialty Finance industry.

( Industry Median: 15.29 vs. ALLY: 12.63 )
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: 12.66 Max: 77.97
Current: 12.63
8.43
77.97
PB Ratio 0.88
ALLY's PB Ratio is ranked higher than
68% of the 1612 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.24 vs. ALLY: 0.88 )
Ranked among companies with meaningful PB Ratio only.
ALLY' s PB Ratio Range Over the Past 10 Years
Min: 0.56  Med: 0.74 Max: 1.01
Current: 0.88
0.56
1.01
PS Ratio 1.68
ALLY's PS Ratio is ranked higher than
73% of the 1570 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.56 vs. ALLY: 1.68 )
Ranked among companies with meaningful PS Ratio only.
ALLY' s PS Ratio Range Over the Past 10 Years
Min: 1.03  Med: 1.7 Max: 2.72
Current: 1.68
1.03
2.72
Price-to-Free-Cash-Flow 3.02
ALLY's Price-to-Free-Cash-Flow is ranked higher than
79% of the 882 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.66 vs. ALLY: 3.02 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ALLY' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.32  Med: 2.59 Max: 27.78
Current: 3.02
1.32
27.78
Price-to-Operating-Cash-Flow 3.02
ALLY's Price-to-Operating-Cash-Flow is ranked higher than
77% of the 960 Companies
in the Global Specialty Finance industry.

( Industry Median: 10.67 vs. ALLY: 3.02 )
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: 1.32  Med: 2.59 Max: 27.78
Current: 3.02
1.32
27.78
EV-to-Revenue 5.07
ALLY's EV-to-Revenue is ranked lower than
91% of the 1276 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.24 vs. ALLY: 5.07 )
Ranked among companies with meaningful EV-to-Revenue only.
ALLY' s EV-to-Revenue Range Over the Past 10 Years
Min: 5  Med: 9.8 Max: 18.3
Current: 5.07
5
18.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.86
ALLY's Dividend Yield % is ranked lower than
73% of the 2465 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.51 vs. ALLY: 1.86 )
Ranked among companies with meaningful Dividend Yield % only.
ALLY' s Dividend Yield % Range Over the Past 10 Years
Min: 0.4  Med: 1.36 Max: 1.87
Current: 1.86
0.4
1.87
Dividend Payout Ratio 0.21
ALLY's Dividend Payout Ratio is ranked higher than
87% of the 1418 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.34 vs. ALLY: 0.21 )
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: 0.21
Current: 0.21
0.07
0.21
Forward Dividend Yield % 1.92
ALLY's Forward Dividend Yield % is ranked lower than
73% of the 2426 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.75 vs. ALLY: 1.92 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.86
ALLY's 5-Year Yield-on-Cost % is ranked lower than
81% of the 2826 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.25 vs. ALLY: 1.86 )
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: 1.36 Max: 1.87
Current: 1.86
0.4
1.87
3-Year Average Share Buyback Ratio 3.10
ALLY's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 1082 Companies
in the Global Specialty Finance industry.

( Industry Median: -2.20 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: -5.25 Max: 3.1
Current: 3.1
-36
3.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.91
ALLY's Price-to-Tangible-Book is ranked higher than
69% of the 1603 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.33 vs. ALLY: 0.91 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ALLY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.61  Med: 0.71 Max: 1.01
Current: 0.91
0.61
1.01
Price-to-Intrinsic-Value-Projected-FCF 0.22
ALLY's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
91% of the 883 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.83 vs. ALLY: 0.22 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ALLY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.18 Max: 0.23
Current: 0.22
0.14
0.23
Price-to-Median-PS-Value 1.00
ALLY's Price-to-Median-PS-Value is ranked higher than
57% of the 1419 Companies
in the Global Specialty Finance industry.

( Industry Median: 9999.00 vs. ALLY: 1.00 )
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: 0.65  Med: 1 Max: 1.6
Current: 1
0.65
1.6
Price-to-Graham-Number 0.72
ALLY's Price-to-Graham-Number is ranked higher than
64% of the 1378 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.99 vs. ALLY: 0.72 )
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: 0.7 Max: 1.6
Current: 0.72
0.51
1.6

More Statistics

Revenue (TTM) (Mil) $7,153.00
EPS (TTM) $ 2.16
Beta1.12
Volatility22.46%
52-Week Range $18.26 - 31.29
Shares Outstanding (Mil)430.03

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 6,071 6,534 7,748
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 3.02 3.51 4.25
EPS without NRI ($) 3.02 3.51 4.25
EPS Growth Rate
(Future 3Y To 5Y Estimate)
18.00%
Dividends per Share ($) 0.54 0.59 0.78

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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