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Ally Financial Inc

Financial Services US ALLY

33.22USD
1.16(3.62%)

Last update at 2025-04-24T16:56:00Z

Day Range

32.1533.15
LowHigh

52 Week Range

29.1844.77
LowHigh

Fundamentals

  • Previous Close 32.06
  • Market Cap11691.91M
  • Volume820898
  • P/E Ratio15.35
  • Dividend Yield3.11%
  • Revenue TTM6764.00M
  • Revenue Per Share TTM22.09
  • Gross Profit TTM 7943.00M
  • Diluted EPS TTM2.50

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

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
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

Peer Comparison

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

Reports Covered

Stock Research & News

Profile

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 Financial Inc

Ally Detroit Center, Detroit, MI, United States, 48226

Key Executives

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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