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COF Stock Up 2.8% on Q1 Earnings Beat, NII Rises on Upbeat Card Spend
Wed 23 Apr 25, 01:00 PMCOF Up as Q1 Earnings Beat on Higher NII & Fee Income, Provisions Dip
Wed 23 Apr 25, 11:56 AMAlly Financial price target lowered to $41 from $45 at Truist
Tue 22 Apr 25, 04:01 PMALLY Q1 Earnings Top on Higher Net Finance Revenues & Lower Provisions
Mon 21 Apr 25, 03:17 PMAlly Financial (NYSE:ALLY) Has Affirmed Its Dividend Of $0.30
Sun 20 Apr 25, 12:28 PMAlly Financial First Quarter 2025 Earnings: Misses Expectations
Fri 18 Apr 25, 11:01 AMAlly Financial Inc (ALLY) Q1 2025 Earnings Call Highlights: Strong Auto Originations and ...
Fri 18 Apr 25, 07:02 AMQ1 2025 Ally Financial Inc Earnings Call
Fri 18 Apr 25, 03:40 AMAlly Financial (ALLY) Surpasses Q1 Earnings Estimates
Thu 17 Apr 25, 12:40 PMBreakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
---|---|---|---|---|---|
Type | yearly | yearly | yearly | yearly | yearly |
Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
Income before tax | 2342.00M | 3855.00M | 1414.00M | 1967.00M | 1622.00M |
Minority interest | - | - | - | - | - |
Net income | 1714.00M | 3060.00M | 1085.00M | 1715.00M | 1263.00M |
Selling general administrative | 2180.00M | 1904.00M | 1739.00M | 1543.00M | 1450.00M |
Selling and marketing expenses | 457.00M | 315.00M | 244.00M | 180.00M | 172.00M |
Gross profit | 102.00M | 132.00M | 7638.00M | 6379.00M | 5912.00M |
Reconciled depreciation | 914.00M | 570.00M | 851.00M | 1555.00M | 1649.00M |
Ebit | 5611.00M | 6455.00M | 4656.00M | 986.00M | 597.00M |
Ebitda | 6525.00M | 7025.00M | 5507.00M | 1967.00M | 1622.00M |
Depreciation and amortization | 914.00M | 570.00M | 851.00M | 981.00M | 1025.00M |
Non operating income net other | - | - | - | - | - |
Operating income | 5611.00M | 6455.00M | 4656.00M | 986.00M | 597.00M |
Other operating expenses | 5509.00M | 2467.00M | 851.00M | -5415.00000M | 1524.00M |
Interest expense | 2857.00M | 1914.00M | 3243.00M | 4243.00M | 3637.00M |
Tax provision | 627.00M | 790.00M | 328.00M | 246.00M | 359.00M |
Interest income | 10621.00M | 8651.00M | 8797.00M | 9857.00M | 9052.00M |
Net interest income | 7764.00M | 6737.00M | 5554.00M | 5614.00M | 5415.00M |
Extraordinary items | -1.00000M | -5.00000M | -1.00000M | -5.00000M | 23.00M |
Non recurring | - | - | - | - | - |
Other items | - | - | - | - | - |
Income tax expense | 627.00M | 790.00M | 328.00M | 246.00M | 359.00M |
Total revenue | 9342.00M | 8912.00M | 7638.00M | 6379.00M | 5912.00M |
Total operating expenses | 4687.00M | 2206.00M | 851.00M | -5415.00000M | -1524.00000M |
Cost of revenue | - | - | - | 321.00M | 47.00M |
Total other income expense net | -3269.00000M | -2600.00000M | -3242.00000M | 1967.00M | 1622.00M |
Discontinued operations | -1.00000M | -5.00000M | -1.00000M | -6.00000M | -6.00000M |
Net income from continuing ops | 1715.00M | 3065.00M | 1086.00M | 1721.00M | 1263.00M |
Net income applicable to common shares | 1604.00M | 3003.00M | 1085.00M | 1715.00M | 1263.00M |
Preferred stock and other adjustments | - | - | - | - | - |
Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
---|---|---|---|---|---|
Type | yearly | yearly | yearly | yearly | yearly |
Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
Total assets | 196392.00M | 191826.00M | 182350.00M | 182165.00M | 180644.00M |
Intangible assets | 73.00M | 98.00M | 129.00M | 50.00M | 69.00M |
Earning assets | - | - | - | - | 40363.00M |
Other current assets | 10538.00M | 2091.00M | 91292.00M | 90730.00M | 105786.00M |
Total liab | 182626.00M | 178967.00M | 165300.00M | 167462.00M | 166228.00M |
Total stockholder equity | 13766.00M | 12859.00M | 17050.00M | 14703.00M | 14416.00M |
Deferred long term liab | - | 1933.00M | 1974.00M | 1912.00M | 1791.00M |
Other current liab | -7409.00000M | -64.00000M | -210.00000M | -3438.00000M | -3305.00000M |
Common stock | 21975.00M | 14978.00M | 16483.00M | 18350.00M | 18350.00M |
Capital stock | 24299.00M | 17302.00M | 23995.00M | 21544.00M | 21438.00M |
Retained earnings | 154.00M | -384.00000M | -1599.00000M | -4278.00000M | -4057.00000M |
Other liab | - | 5063.00M | 3514.00M | 3438.00M | 4197.00M |
Good will | 669.00M | 822.00M | 822.00M | 343.00M | 393.00M |
Other assets | -24415.00000M | 116483.00M | 95505.00M | 91994.00M | 104353.00M |
Cash | 6945.00M | 5571.00M | 5062.00M | 15621.00M | 3555.00M |
Cash and equivalents | - | - | - | - | - |
Total current liabilities | 7409.00M | 2743.00M | 210.00M | 2548.00M | 6172.00M |
Current deferred revenue | 3492.00M | - | 3514.00M | 3438.00M | 3305.00M |
Net debt | 13288.00M | 14590.00M | 11967.00M | 8521.00M | 36003.00M |
Short term debt | 2550.00M | 2399.00M | -3304.00000M | 2136.00M | 5531.00M |
Short long term debt | 2550.00M | 2399.00M | 0.00000M | 2136.00M | 5531.00M |
Short long term debt total | 20233.00M | 20161.00M | 17029.00M | 24142.00M | 39558.00M |
Other stockholder equity | -6871.00000M | -6838.00000M | -5188.00000M | -3194.00000M | -3088.00000M |
Property plant equipment | - | 10444.00M | 10862.00M | 9639.00M | 8864.00M |
Total current assets | 31360.00M | 32162.00M | 39173.00M | 47985.00M | 34497.00M |
Long term investments | 28608.00M | 31284.00M | 35859.00M | 146740.00M | 158978.00M |
Net tangible assets | - | 10535.00M | 14726.00M | 14703.00M | 14416.00M |
Short term investments | 24415.00M | 25641.00M | 33384.00M | 29685.00M | 28384.00M |
Net receivables | 1124.00M | 950.00M | 727.00M | 2679.00M | 2558.00M |
Long term debt | 17570.00M | 17762.00M | 17029.00M | 22006.00M | 34027.00M |
Inventory | -11662.00000M | - | - | - | - |
Accounts payable | 1367.00M | 408.00M | 210.00M | 412.00M | 641.00M |
Total permanent equity | - | - | - | - | - |
Noncontrolling interest in consolidated entity | - | - | - | - | - |
Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
Accumulated other comprehensive income | -3816.00000M | -4059.00000M | -158.00000M | 631.00M | 123.00M |
Additional paid in capital | - | - | - | - | - |
Common stock total equity | - | 21816.00M | 21671.00M | 21544.00M | 21438.00M |
Preferred stock total equity | - | 2324.00M | 2324.00M | - | - |
Retained earnings total equity | - | -384.00000M | -1599.00000M | -4278.00000M | -4057.00000M |
Treasury stock | - | -6838.00000M | -5188.00000M | -3194.00000M | -3088.00000M |
Accumulated amortization | - | - | - | - | - |
Non currrent assets other | 178162.00M | 533.00M | -47672.00000M | -42186.00000M | -41794.00000M |
Deferred long term asset charges | - | - | - | - | - |
Non current assets total | 189447.00M | 43181.00M | 47672.00M | 42186.00M | 41794.00M |
Capital lease obligations | 113.00M | 137.00M | 175.00M | 187.00M | 196.00M |
Long term debt total | - | 17762.00M | 17029.00M | 22006.00M | 34027.00M |
Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
---|---|---|---|---|---|
Type | yearly | yearly | yearly | yearly | yearly |
Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
Investments | -8630.00000M | -11388.00000M | -5122.00000M | -6579.00000M | -9834.00000M |
Change to liabilities | 95.00M | 152.00M | -196.00000M | -59.00000M | 150.00M |
Total cashflows from investing activities | -17263.00000M | -11098.00000M | 8427.00M | -3769.00000M | -14509.00000M |
Net borrowings | 3060.00M | -5207.00000M | -15842.00000M | -14765.00000M | -965.00000M |
Total cash from financing activities | 11575.00M | -3848.00000M | 25.00M | -1530.00000M | 10721.00M |
Change to operating activities | 1319.00M | -256.00000M | -274.00000M | -138.00000M | 33.00M |
Net income | 1714.00M | 3060.00M | 1085.00M | 1715.00M | 1263.00M |
Change in cash | 552.00M | -10904.00000M | 12194.00M | -1246.00000M | 357.00M |
Begin period cash flow | 5670.00M | 16574.00M | 4380.00M | 5626.00M | 5269.00M |
End period cash flow | 6222.00M | 5670.00M | 16574.00M | 4380.00M | 5626.00M |
Total cash from operating activities | 6247.00M | 4042.00M | 3739.00M | 4050.00M | 4150.00M |
Issuance of capital stock | 0.00000M | 2324.00M | - | - | - |
Depreciation | 1327.00M | 1261.00M | 1550.00M | 1555.00M | 1649.00M |
Other cashflows from investing activities | -8633.00000M | 290.00M | 13549.00M | 2810.00M | -4675.00000M |
Dividends paid | -494.00000M | -381.00000M | -289.00000M | -273.00000M | 242.00M |
Change to inventory | - | - | - | - | - |
Change to account receivables | - | - | -7020.00000M | - | - |
Sale purchase of stock | -1650.00000M | -4704.00000M | -106.00000M | -1039.00000M | -939.00000M |
Other cashflows from financing activities | 20227.00M | 7696.00M | 16527.00M | 17006.00M | 29842.00M |
Change to netincome | 488.00M | -23.00000M | 1276.00M | 918.00M | 1180.00M |
Capital expenditures | 3532.00M | 5120.00M | 4320.00M | 4023.00M | 3709.00M |
Change receivables | - | - | - | - | - |
Cash flows other operating | 2623.00M | -408.00000M | 24.00M | -79.00000M | -92.00000M |
Exchange rate changes | - | - | - | - | -5.00000M |
Cash and cash equivalents changes | 559.00M | -10904.00000M | 12191.00M | -1249.00000M | 357.00M |
Change in working capital | 1872.00M | -136.00000M | -32.00000M | 41.00M | 363.00M |
Stock based compensation | - | - | - | - | - |
Other non cash items | 1334.00M | -143.00000M | 1136.00M | 739.00M | 875.00M |
Free cash flow | 2715.00M | -1078.00000M | -581.00000M | 27.00M | 441.00M |
Sector: Financial Services Industry: Credit Services
Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) | |
---|---|---|---|---|---|---|---|---|
ALLY Ally Financial Inc |
1.16 3.62% | 33.22 | 15.35 | 8.57 | 1.73 | 0.95 | 3.62 | |
V Visa Inc. Class A |
1.94 0.58% | 336.31 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 | 23.37 |
MA Mastercard Inc |
3.77 0.71% | 533.77 | 37.04 | 29.50 | 16.14 | 62.35 | 16.47 | 27.24 |
AXP American Express Company |
7.10 2.73% | 267.24 | 21.83 | 20.04 | 3.53 | 7.21 | 4.18 | |
PYPL PayPal Holdings Inc |
1.87 2.99% | 64.33 | 21.96 | 18.69 | 2.93 | 4.56 | 2.86 | 12.64 |
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States, Canada, and Bermuda. The company operates through Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations segments. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings. It also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.
Ally Detroit Center, Detroit, MI, United States, 48226
Name | Title | Year Born |
---|---|---|
Mr. Jeffrey J. Brown | CEO & Director | 1973 |
Mr. Scott A. Stengel | Gen. Counsel | 1972 |
Mr. Douglas R. Timmerman | Pres of Dealer Financial Services | 1963 |
Ms. Diane E. Morais | Pres of Consumer & Commercial Banking Products - Ally Bank | 1966 |
Mr. Bradley J. Brown | Corp. Treasurer & Interim CFO | 1966 |
Mr. David J. DeBrunner | VP, Corp. Controller & Chief Accounting Officer | 1966 |
Mr. Sathish Muthukrishnan | Chief Information, Data & Digital Officer | NA |
Sean Leary | Head of Investor Relations and Enterprise FP&A | NA |
Mr. Daniel Soto | Chief Compliance Officer | NA |
Ms. Andrea C. Brimmer | Chief Marketing & PR Officer | 1966 |
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