Ally Financial, Inc. is a holding company, which provides digital financial services to consumers, businesses, automotive dealers, and corporate clients. It operates through the following segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment offers retail installment sales contracts, loans and leases, offering term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to companies, fleet financing, providing financing to companies and municipalities for the purchase or lease of vehicles and equipment, and vehicle remarketing services. The Insurance Operations segment focuses on finance protection and insurance products sold primarily through the automotive dealer channel, and commercial insurance products sold directly to dealers. The Mortgage Finance Operations segment consists of the management of a held-for-investment consumer mortgage finance loan portfolio, which includes bulk purchases of jumbo and LMI mortgage loans originated by third parties. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to mostly United States based middle market companies focuses on businesses owned by private equity sponsors with loans typically used for leveraged buyouts, mergers and acquisitions, debt refinancing, restructurings, and working capital. The company was founded in 1919 and is headquartered in Detroit, MI.
Highlights
The debt has declined by 30% year-on-year and by 13% since the previous quarter
Ally Financial's revenue has increased by 2.6% YoY
The net income has plunged by 52% YoY but it has grown by 14% from the previous quarter
Ally Financial's EPS has decreased by 49% YoY but it has increased by 17% QoQ
The stock's price to earnings (P/E) is 60% more than its last 4 quarters average of 9.0 and 48% more than its 5-year quarterly average of 9.7
Key stats
What are the main financial stats of ALLY
Market
Shares outstanding
373.86M
Market cap
$11.08B
Enterprise value
$19.88B
Valuations
Price to earnings (P/E)
14.39
Price to book (P/B)
0.78
Price to sales (P/S)
1.75
EV/EBIT
19.1
EV/EBITDA
7.59
EV/Sales
3.13
Earnings
Revenue
$6.35B
EBIT
$1.04B
EBITDA
$2.62B
Free cash flow
$3.52B
Per share
EPS
$2.06
Free cash flow per share
$9.42
Book value per share
$37.79
Revenue per share
$16.98
TBVPS
$495.59
Balance sheet
Total assets
$185.27B
Total liabilities
$171.14B
Debt
$28.74B
Equity
$14.13B
Working capital
N/A
Liquidity
Debt to equity
2.03
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.36
Margins
EBITDA margin
41.3%
Gross margin
94.3%
Net margin
12.2%
Operating margin
41.9%
Efficiency
Return on assets
0.4%
Return on equity
5.6%
Return on invested capital
0.5%
Return on capital employed
N/A
Return on sales
16.4%
Dividend
Dividend yield
2.56%
DPS
$0.76
Payout ratio
36.9%
ALLY stock price
How has the Ally Financial stock price performed over time
Intraday
-3.33%
1 week
-0.7%
1 month
11.13%
1 year
-6.88%
YTD
-2.98%
QTD
18.27%
Financial performance
How have Ally Financial's revenue and profit performed over time
Revenue
$6.35B
Gross profit
$5.99B
Operating income
$2.66B
Net income
$776M
Gross margin
94.3%
Net margin
12.2%
The net margin has dropped by 54% year-on-year but it has increased by 12% since the previous quarter
The net income has plunged by 52% YoY but it has grown by 14% from the previous quarter
ALLY's operating margin is down by 9% year-on-year
The operating income has contracted by 6% YoY
Growth
What is Ally Financial's growth rate over time
Valuation
What is Ally Financial stock price valuation
P/E
14.39
P/B
0.78
P/S
1.75
EV/EBIT
19.1
EV/EBITDA
7.59
EV/Sales
3.13
The stock's price to earnings (P/E) is 60% more than its last 4 quarters average of 9.0 and 48% more than its 5-year quarterly average of 9.7
Ally Financial's EPS has decreased by 49% YoY but it has increased by 17% QoQ
ALLY's P/B is 30% above its last 4 quarters average of 0.6 and 11% above its 5-year quarterly average of 0.7
The company's equity fell by 2.2% YoY but it rose by 2.2% QoQ
The stock's P/S is 35% above its last 4 quarters average of 1.3 and 2.9% above its 5-year quarterly average of 1.7
Ally Financial's revenue has increased by 2.6% YoY
Efficiency
How efficient is Ally Financial business performance
The ROA has plunged by 56% YoY
ALLY's return on equity has dropped by 52% year-on-year but it is up by 17% since the previous quarter
Ally Financial's return on sales has decreased by 45% YoY but it has increased by 13% QoQ
ALLY's return on invested capital is down by 38% year-on-year but it is up by 25% since the previous quarter
Dividends
What is ALLY's dividend history
DPS
$0.76
Dividend yield
2.56%
Payout ratio
36.9%
Recent dividends
Financial health
How did Ally Financial financials performed over time
The total assets is 8% more than the total liabilities
The debt is 103% greater than the equity
The debt has declined by 30% year-on-year and by 13% since the previous quarter
The company's debt to equity fell by 29% YoY and by 15% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated
quarterly, unless otherwise specified.