ALLY:NYE-Ally Financial Inc (USD)

COMMON STOCK | Credit Services | NYE

Last Closing Price

USD 50.29

Change

-2.66 (-5.02)%

Market Cap

USD 19.63B

Volume

4.88M

Average Target Price

USD 53.33 (+6.05%)
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, financing dealer floorplans, 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 held-for-investment 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, through its subsidiary, Ally Bank, 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.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-06-17 )

Largest Industry Peers for Credit Services

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

+2.55 (+1.11%)

USD505.20B 47.46 34.76
MA Mastercard Incorporated

+3.47 (+0.95%)

USD360.56B 55.82 41.13
AXP American Express Company

-2.55 (-1.55%)

USD132.29B 26.99 N/A
COF Capital One Financial Corporat..

-8.65 (-5.33%)

USD73.23B 10.60 N/A
COF-PG Capital One Financial Corporat..

+0.01 (+0.04%)

USD43.52B 1.68 N/A
COF-PH Capital One Financial Corporat..

N/A

USD41.78B 1.68 N/A
COF-PF Capital One Financial Corporat..

N/A

USD41.28B 12.11 N/A
DFS Discover Financial Services

-4.81 (-3.94%)

USD37.22B 13.73 N/A
SYF Synchrony Financial

-2.00 (-4.04%)

USD28.79B 13.92 N/A
IX ORIX Corporation

-0.53 (-0.60%)

USD20.32B 12.52 N/A

ETFs Containing ALLY

Symbol Name Weight Mer Price(Change) Market Cap
FAB First Trust Multi Cap Val.. 0.00 % 0.70 %

-1.62 (-2.22%)

USD0.17B
FEX First Trust Large Cap Cor.. 0.00 % 0.59 %

-0.77 (-0.90%)

USD1.18B
FTA First Trust Large Cap Val.. 0.00 % 0.60 %

-1.16 (-1.74%)

USD1.07B
JHMM John Hancock Multifactor .. 0.00 % 0.42 %

-0.49 (-0.95%)

USD2.20B
PFI Invesco DWA Financial Mom.. 0.00 % 0.60 %

-1.43 (-2.75%)

USD0.06B
PHB Invesco Fundamental High .. 0.00 % 0.50 %

N/A

USD0.82B
RDVY First Trust Rising Divide.. 0.00 % 0.50 %

-0.74 (-1.55%)

USD4.46B
SCHM Schwab U.S. Mid-Cap ETF 0.00 % 0.04 %

-0.86 (-1.10%)

USD9.48B
SDVY First Trust SMID Cap Risi.. 0.00 % 0.60 %

-0.67 (-2.27%)

USD0.09B
IG Principal Investment Grad.. 0.00 % 0.26 %

+0.11 (+0.43%)

USD0.47B
FOVL iShares Focused Value Fac.. 0.00 % 0.25 %

-2.19 (-3.86%)

USD0.05B
FEX:LSE First Trust Global Funds .. 0.00 % 0.75 %

N/A

USD0.06B
FEXD:LSE First Trust Global Funds .. 0.00 % 0.75 %

N/A

USD0.10B
FEXU:LSE First Trust Global Funds .. 0.00 % 0.75 %

N/A

USD0.06B
FTGU:XETRA First Trust US Large Cap .. 0.00 % 0.75 %

+0.31 (+0.56%)

USD0.06B
QDVC:XETRA iShares Edge MSCI USA Siz.. 0.00 % 0.20 %

+0.06 (+0.75%)

USD0.14B

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 41.03% 73% C 88% B+
Dividend Return 1.07% 31% F 42% F
Total Return 42.09% 73% C 88% B+
Trailing 12 Months  
Capital Gain 152.46% 91% A- 93% A
Dividend Return 3.82% 48% F 56% F
Total Return 156.28% 91% A- 94% A
Trailing 5 Years  
Capital Gain 207.02% 76% C 92% A-
Dividend Return N/A N/A N/A N/A N/A
Total Return 207.02% 67% D+ 91% A-
Average Annual (5 Year Horizon)  
Capital Gain 23.42% 83% B 86% B
Dividend Return 2.46% 65% D 56% F
Total Return 25.88% 83% B 87% B+
Risk Return Profile  
Volatility (Standard Deviation) 58.06% 20% F 13% F
Risk Adjusted Return 44.58% 63% D 58% F
Market Capitalization 19.63B 74% 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 9.08 53% F 81% B-
Price/Book Ratio 1.36 55% F 66% D
Price / Cash Flow Ratio 5.25 23% F 64% D
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 15.64% 54% F 76% C
Return on Invested Capital N/A N/A N/A N/A N/A
Return on Assets 1.21% 27% F 34% F
Debt to Equity Ratio 149.67% 41% F 24% F
Technical Ratios  
Short Ratio 4.12 23% F 26% F
Short Percent 3.99% 39% F 45% F
Beta 1.59 42% F 21% 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 Rating

Target Price Action Rating Action Analyst Rating Price Date

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:
Positive cash flow

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

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

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 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 Dividend Growth

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