ALLY:NYE-Ally Financial Inc (USD)

COMMON STOCK | Credit Services | NYE

Last Closing Price

USD 47.30

Change

-3.06 (-6.08)%

Market Cap

USD 17.96B

Volume

8.07M

Avg Analyst Target

USD 66.56 (+40.71%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Ally Financial Inc., a bank holding company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. 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 healthcare industry. The company 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 1914 and is based in Detroit, Michigan.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-10-27 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
V Visa Inc

-16.04 (-6.92%)

USD497.42B 53.96 31.71
MA Mastercard Incorporated

-21.60 (-6.05%)

USD352.59B 49.64 36.79
AXP American Express Company

-2.92 (-1.61%)

USD140.16B 18.90 N/A
COF Capital One Financial Corporat..

-12.35 (-7.49%)

USD73.54B 6.58 N/A
COF-PG Capital One Financial Corporat..

-0.02 (-0.08%)

USD42.88B 1.01 N/A
COF-PF Capital One Financial Corporat..

N/A

USD41.28B 12.11 N/A
COF-PH Capital One Financial Corporat..

-0.02 (-0.08%)

USD41.11B 1.01 N/A
DFS Discover Financial Services

-7.58 (-6.16%)

USD36.54B 7.36 N/A
SYF Synchrony Financial

-2.27 (-4.64%)

USD26.92B 12.87 N/A
IX ORIX Corporation

-1.02 (-1.03%)

USD23.76B 13.29 N/A

ETFs Containing ALLY

Symbol Name Weight Mer Price(Change) Market Cap
FAB First Trust Exchange-Trad.. 0.00 % 0.70 %

-1.47 (-1.99%)

USD0.16B
FTA First Trust Large Cap Val.. 0.00 % 0.60 %

-1.12 (-1.65%)

USD1.05B
JHMM John Hancock Multifactor .. 0.00 % 0.42 %

-0.71 (-1.30%)

USD2.25B
SCHM Schwab U.S. Mid-Cap ETF 0.00 % 0.04 %

-1.26 (-1.55%)

USD9.68B
FTGU:XETRA First Trust Global Funds .. 0.00 % 0.75 %

-0.76 (-1.22%)

USD0.07B
HUM:CA Hamilton U.S. Mid/Small-C.. 0.00 % 0.90 %

-0.86 (-3.01%)

N/A
ESCR Xtrackers Bloomberg Barcl.. 0.00 % 0.15 %

N/A

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Credit Services)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 32.64% 73% C 80% B-
Dividend Return 1.77% 31% F 42% F
Total Return 34.41% 73% C 80% B-
Trailing 12 Months  
Capital Gain 78.02% 65% D 83% B
Dividend Return 3.09% 32% F 48% F
Total Return 81.11% 65% D 83% B
Trailing 5 Years  
Capital Gain 157.49% 67% D+ 87% B+
Dividend Return 16.49% 64% D 58% F
Total Return 173.98% 71% C- 87% B+
Average Annual (5 Year Horizon)  
Capital Gain 33.12% 89% B+ 90% A-
Dividend Return 2.61% 64% D 58% F
Total Return 35.73% 89% B+ 90% A-
Risk Return Profile  
Volatility (Standard Deviation) 66.09% 24% F 12% F
Risk Adjusted Return 54.06% 68% D+ 59% F
Market Capitalization 17.96B 75% C 87% B+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Credit Services)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 6.24 45% F 88% B+
Price/Book Ratio 1.18 58% F 68% D+
Price / Cash Flow Ratio 4.80 25% F 64% D
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 19.70% 67% D+ 71% C-
Return on Invested Capital N/A N/A N/A N/A N/A
Return on Assets 1.70% 26% F 38% F
Debt to Equity Ratio 149.67% 42% F 23% F
Technical Ratios  
Short Ratio 4.36 16% F 23% F
Short Percent 3.58% 38% F 49% F
Beta 1.57 39% F 22% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Ratings

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.