YOLFTbeta
Ally Financial Inc

Ally Financial Inc

ALLY · NYSE · Financial Services / Credit Services

38.31USD+0.31 (+0.82%)

Price History

Full chart

Market Stats

Previous Close38.00
Open38.39
Day Range37.76 – 38.56
52-Week Range35.43 – 46.96
Volume3.08M
Market Cap11.78B
P/E (TTM)9.07
Forward P/E5.98
EPS4.27
Dividend Yield3.11%
Beta1.07
50-Day Avg42.92
200-Day Avg42.84

About

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations. It 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; and financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The company also provides consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers; VSCs, VMCs, and GAP products; and underwrite select commercial insurance coverages, which primarily insure dealers' vehicle inventory. In addition, it provides senior secured asset-based and leveraged cash flow loans to middle-market companies; leveraged loans; commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings; and treasury activities, such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, original issue discount, and equity investments. Further, the company offers deposits and 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.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Michael G. Rhodes
  • Employees10.30K
  • HeadquartersAlly Detroit Center, Detroit, MI, United States, 48226, USA
  • Websitehttps://www.ally.com

Leadership

  • Mr. Michael G. RhodesCEO & Director · b. 1966
  • Mr. Russell E . HutchinsonChief Financial Officer · b. 1975
  • Mr. Douglas R. TimmermanPresident of Dealer Financial Services · b. 1963
  • Mr. William C. Hall Jr.President of Corporate Finance · b. 1960
  • Ms. Stephanie N. RichardChief Risk Officer · b. 1973
  • Mr. Austin T. McGrathVP, Chief Accounting Officer & Corporate Controller · b. 1983
  • Mr. Mark MathewsonChief Information & Data Officer
  • Mr. Daniel SotoChief Compliance Officer
  • Ms. Hope D. MehlmanChief Legal & Corporate Affairs Officer and Corporate Secretary · b. 1965
  • Ms. Andrea C. BrimmerChief Marketing & Public Relations Officer · b. 1966

Financials

Income Statement

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue12.13B13.69B9.62B11.53B17.68B20.14B31.30B34.14B35.34B28.07B21.19B16.13B16.28B9.02B10.06B9.62B9.85B9.84B9.82B9.85B10.42B11.56B7.64B8.91B9.34B15.97B16.37B12.15B
Growth (%)-+12.90%-29.73%+19.82%+53.33%+13.94%+55.44%+9.04%+3.51%-20.57%-24.49%-23.89%+0.92%-44.57%+11.54%-4.40%+2.39%-0.07%-0.27%+0.36%+5.78%+10.91%-33.92%+16.68%+4.82%+70.92%+2.52%-25.75%
Cost of Revenue5.79B6.53B8.29B7.73B6.83B7.56B11.61B14.18B17.56B17.47B13.54B12.69B7.11B4.77B4.38B3.82B3.24B3.14B3.55B4.00B4.55B5.24B4.68B2.15B-1.30B8.87B9.64B5.84B
Gross Profit6.34B7.17B1.33B3.80B10.84B12.58B19.69B19.96B17.77B10.60B7.65B3.44B9.17B4.26B5.68B5.80B6.61B6.71B6.27B5.85B5.87B6.32B7.64B132.00M102.00M7.10B6.73B6.32B
Gross Margin52.28%52.34%13.78%32.95%61.34%62.44%62.91%58.46%50.30%37.75%36.10%21.30%56.33%47.17%56.47%60.30%67.11%68.14%63.88%59.35%56.29%54.65%100.00%1.48%1.09%44.48%41.12%51.98%
Operating Expense4.40B4.68B-1.23B1.00B7.90B8.19B15.44B16.48B15.55B12.40B2.91B10.35B8.03B4.43B5.17B5.44B5.37B5.32B4.69B4.34B4.24B4.35B2.98B-6.32B-5.51B6.00B5.89B5.27B
Operating Income1.94B2.49B2.56B2.80B2.94B4.38B4.26B3.48B2.23B-1.81B4.74B-6.91B1.14B-177.00M514.00M357.00M1.25B1.39B1.58B1.51B1.62B1.97B4.66B6.46B5.61B1.10B836.00M1.05B
Operating Margin15.99%18.16%26.57%24.28%16.64%21.77%13.60%10.19%6.31%-6.43%22.35%-42.83%7.00%-1.96%5.11%3.71%12.65%14.15%16.10%15.30%15.56%17.02%60.96%72.43%60.06%6.91%5.11%8.65%
EBITDA12.51B14.04B16.34B15.86B14.62B17.29B11.07B10.22B9.53B5.45B13.71B-951.00M5.24B2.54B2.90B3.22B4.18B4.19B3.96B3.37B3.27B3.52B5.51B7.03B6.53B2.33B2.04B2.45B
EBITDA Margin103.13%102.53%169.85%137.57%82.69%85.84%35.37%29.95%26.97%19.42%64.69%-5.90%32.18%28.11%28.77%33.48%42.45%42.60%40.37%34.17%31.39%30.47%72.10%78.83%69.85%14.59%12.43%20.14%
Net Income1.33B1.53B1.60B1.79B1.87B2.79B2.89B2.28B2.13B-2.33B1.87B-10.30B1.07B-157.00M1.20B361.00M1.15B1.29B1.07B929.00M1.26B1.72B1.08B3.06B1.71B957.00M668.00M852.00M
Net Income Margin10.94%11.15%16.65%15.49%10.58%13.87%9.24%6.69%6.01%-8.31%8.81%-63.84%6.60%-1.74%11.88%3.75%11.67%13.09%10.87%9.43%12.12%14.84%14.21%34.34%18.35%5.99%4.08%7.01%
Interest Expense5.79B6.53B8.29B7.73B6.83B7.56B9.66B13.11B15.56B14.41B10.44B7.09B6.67B4.61B4.05B3.32B2.78B2.43B2.63B2.86B3.64B4.24B3.24B1.91B2.86B6.90B7.47B6.41B
Interest Expense % of Total Revenue47.72%47.66%86.22%67.05%38.66%37.56%30.85%38.39%44.04%51.33%49.27%43.96%40.95%51.05%40.26%34.50%28.25%24.67%26.78%29.00%34.90%36.71%42.46%21.48%30.58%43.20%45.65%52.72%

Balance Sheet

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-148.79B168.47B192.72B227.73B288.16B324.14B320.56B287.44B248.94B189.48B172.31B172.01B184.06B182.39B151.17B151.63B158.58B163.73B167.15B178.87B180.64B182.16B182.35B191.83B196.33B191.84B196.00B
Total Liabilities-137.67B154.43B176.59B209.90B267.93B301.72B298.87B273.07B233.37B167.62B151.47B151.52B164.78B162.36B136.96B136.23B145.14B150.41B153.65B165.60B166.23B167.46B165.30B178.97B182.63B177.93B180.50B
Total Equity-11.12B14.04B16.13B17.83B20.24B22.42B21.68B14.37B15.56B21.85B20.84B20.49B19.28B20.04B14.21B15.40B13.44B13.32B13.49B13.27B14.42B14.70B17.05B12.86B13.70B13.90B15.50B
Cash--1.15B10.10B8.10B17.98B22.72B18.33B18.08B21.03B18.31B16.38B12.84B13.87B7.51B5.93B5.88B6.63B6.12B4.25B4.54B3.56B15.62B5.06B5.57B6.95B10.29B10.03B
Total Debt-121.36B133.59B152.03B183.23B238.86B268.96B254.70B236.99B193.15B127.11B105.02B94.00B100.33B82.02B78.01B73.44B74.33B66.80B55.64B54.37B39.75B24.33B20.33B20.30B20.98B19.23B21.77B
Net Debt-121.36B133.59B152.03B175.13B220.89B246.24B236.37B218.90B172.12B108.80B88.64B81.16B86.46B74.42B72.08B67.56B67.70B60.68B51.39B49.83B36.20B8.71B11.97B14.73B14.04B8.94B11.73B

Cash Flow

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.95B10.21B10.15B3.67B7.40B4.72B9.46B-23.10B-14.69B1.46B14.10B-5.13B11.61B5.49B3.05B4.59B3.40B5.11B4.57B4.08B4.15B4.05B3.74B4.04B6.25B4.56B4.53B3.63B
Investing Cash Flow-23.02B-21.39B-24.59B-15.01B-33.45B-39.75B-27.37B14.15B24.80B18.24B10.92B17.13B-1.34B-13.69B-16.55B-3.54B-3.21B-10.00B-9.07B-8.73B-14.51B-3.77B8.43B-11.10B-17.26B-7.18B4.99B-5.16B
Financing Cash Flow18.93B11.27B14.88B20.31B24.04B44.64B22.36B2.07B-10.59B-17.58B-28.17B-12.23B-7.99B10.05B8.04B-3.08B-145.00M5.44B3.67B2.03B10.72B-1.53B25.00M-3.85B11.57B3.84B-5.57B1.96B
Capital Expenditure0015.17B12.83B16.62B11.76B14.38B15.76B18.25B17.27B10.54B732.00M3.55B6.53B7.44B9.20B9.88B4.68B3.27B4.05B3.71B4.02B4.32B5.12B3.53B2.76B3.46B4.28B
Free Cash Flow3.95B10.21B10.15B3.67B7.40B4.72B-4.92B-38.86B-32.95B-15.81B3.55B-5.86B8.06B-1.03B-2.40B-6.70B-6.48B426.00M1.29B27.00M441.00M27.00M-581.00M-1.08B2.71B1.80B1.07B-647.00M
Dividends Paid300.00M75.00M1.38B-400.00M1.00B1.50B2.50B4.75B179.00M113.00M1.59B1.25B819.00M802.00M810.00M268.00M2.57B108.00M184.00M242.00M273.00M289.00M381.00M494.00M478.00M482.00M489.00M
FCF to OCF100.00%100.00%100.00%100.00%100.00%100.00%-51.97%168.24%224.21%-1082.74%25.19%114.26%69.41%-18.84%-78.42%-145.70%-190.45%8.33%28.31%0.66%10.63%0.67%-15.54%-26.67%43.46%39.46%23.59%-17.83%
Dividend Paid to FCF7.60%0.73%13.56%-5.41%21.19%-30.50%-6.43%-14.43%-1.13%3.18%-27.15%15.55%-79.13%-33.49%-12.10%-4.14%603.52%8.35%681.48%54.88%1011.11%-49.74%-35.34%18.20%26.59%45.13%-75.58%

Earnings

Report DateFeb 26, 2014May 1, 2014Jul 29, 2014Oct 29, 2014Jan 29, 2015Apr 28, 2015Jul 28, 2015Oct 29, 2015Feb 2, 2016Apr 26, 2016Jul 26, 2016Oct 26, 2016Jan 31, 2017Apr 27, 2017Jul 27, 2017Oct 25, 2017Jan 30, 2018Apr 26, 2018Jul 26, 2018Oct 25, 2018Jan 30, 2019Apr 18, 2019Jul 18, 2019Oct 16, 2019Jan 22, 2020Apr 20, 2020Jul 17, 2020Oct 16, 2020Jan 22, 2021Apr 16, 2021Jul 20, 2021Oct 21, 2021Jan 21, 2022Apr 14, 2022Jul 19, 2022Oct 19, 2022Jan 20, 2023Apr 19, 2023Jul 19, 2023Oct 18, 2023Jan 19, 2024Apr 18, 2024Jul 17, 2024Oct 18, 2024Jan 22, 2025Apr 17, 2025Jul 18, 2025Oct 17, 2025Jan 21, 2026Apr 17, 2026Jul 21, 2026Oct 20, 2026
EPS Estimate-0.420.330.430.390.420.440.510.510.550.510.590.480.480.530.590.610.660.710.800.830.790.890.980.930.780.260.701.061.161.501.941.971.931.871.730.980.870.940.800.450.330.630.520.580.070.811.011.020.941.251.43
EPS Actual-0.000.470.420.530.400.520.460.510.520.520.540.560.540.480.580.650.700.680.830.910.920.800.971.010.95-0.440.611.251.602.092.332.162.022.031.761.121.080.820.960.830.450.450.970.950.78-0.820.991.151.091.111.21-
Surprise-11.90%27.27%23.26%2.56%23.81%4.55%0.00%1.96%-5.45%5.88%-5.08%12.50%0.00%9.43%10.17%14.75%3.03%16.90%13.75%10.84%1.27%8.99%3.06%2.15%-156.41%134.62%78.57%50.94%80.17%55.33%11.34%2.54%5.18%-5.88%-35.26%10.20%-5.75%2.13%3.75%0.00%36.36%53.97%82.69%34.48%-1271.43%22.22%13.86%6.86%18.09%-3.20%-
Timing-After-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap11.78B
Enterprise Value28.89B
Trailing P/E9.07
Forward P/E5.98
PEG Ratio0.34
Price / Sales1.49
Price / Book0.87
EPS4.27
Book Value44.38
Revenue (TTM)7.90B
Gross Profit (TTM)7.90B
Profit Margin18.41%
Operating Margin25.27%
Return on Equity9.68%
Return on Assets0.75%
Shares Outstanding304.20M
Shares Float271.86M
Beta1.07
Dividend Yield3.11%
Dividend Rate1.20
Payout Ratio26.32%

Analyst Ratings

Buy
Based on 18 analystsTarget 53.67
  • Strong Buy
    10
  • Buy
    4
  • Hold
    4

Ownership Breakdown

Institutions
88.74%
Insiders
9.65%
Retail / Other
1.61%

Top Institutional Holders

  • BlackRock Inc
    28.53M9.38%
  • Berkshire Hathaway Inc
    27.00M8.88%
  • Harris Associates L.P.
    26.11M8.58%
  • Vanguard Portfolio Management, LLC
    13.35M4.39%
  • Vanguard Capital Management, LLC
    12.47M4.10%
  • Wellington Management Company LLP
    10.31M3.39%
  • Dimensional Fund Advisors, Inc.
    9.33M3.07%
  • State Street Corp
    8.68M2.85%
  • Sessa Capital, L.P
    8.49M2.79%
  • Arrowstreet Capital Limited Partnership
    6.78M2.23%
  • Geode Capital Management, LLC
    5.34M1.76%
  • First Manhattan Co. LLC
    4.58M1.51%
  • Jacobs Levy Equity Management, Inc.
    4.19M1.38%

Top Fund Holders

  • Oakmark Investor
    13.28M4.36%
  • iShares Core S&P Mid-Cap ETF
    9.75M3.21%
  • Vanguard MStar Total Stk Mkt Idx Invest
    8.75M2.88%
  • Vanguard Small Cap Index
    6.35M2.09%
  • Oakmark Select Investor
    6.31M2.07%
  • Vanguard Windsor Investor Shares
    4.32M1.42%
  • Vanguard MStar Small Cap Value Index
    4.03M1.33%

Dividends

20264×
0.35Nov 2, 20260.30Jul 31, 20260.30May 1, 20260.30Feb 2, 2026
20254×
0.30Oct 31, 20250.30Aug 1, 20250.30May 1, 20250.30Jan 31, 2025
20244×
0.30Nov 1, 20240.30Aug 1, 20240.30Apr 30, 20240.30Jan 31, 2024
20234×
0.30Oct 31, 20230.30Jul 31, 20230.30Apr 28, 20230.30Jan 31, 2023
20224×
0.30Oct 31, 20220.30Jul 29, 20220.30Apr 29, 20220.30Jan 31, 2022
20214×
0.25Oct 29, 20210.25Jul 30, 20210.19Apr 29, 20210.19Jan 29, 2021

Stock Splits

  • Apr 10, 2014310:1