Ally Financial Inc.(ALLY) Stock Research - Grey Stern Research

Ally Financial Inc. (ALLY) Stock Analysis

$33.16 (0.73%)

ALLY Financial Performance


Use the table below to view Ally Financial Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q4 - 2024

Metric Value Ranking among Peers
Price $32.92 -
52 Week Low $29.52 -
52 Week High $45.46 -
Market Cap $10.1 Billion 8/11
Gross Margin 100% 1/11
Profit Margin -6% 11/11
EBITDA margin 0% 5/11
Q4 - 2024 Revenue $2.2 Billion 8/11
Q4 - 2024 Earnings -$140.0 Million 11/11
Q4 - 2024 Free Cash Flow -$297.0 Million 10/11
Trailing 4 Quarters Revenue $14.6 Billion 8/11
Trailing 4 Quarters Earnings $668.0 Million 9/11
Quarterly Earnings Growth 0% 9/11
Annual Earnings Growth -25% 10/11
Quarterly Revenue Growth 0% 9/11
Annual Revenue Growth 123% 1/11
Cash On Hand $10.3 Billion 5/11
Short Term Debt $1.6 Billion 2/11
Long Term Debt $17.6 Billion 3/11

Ally Financial Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Ally Financial Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 15.14 5/11
PS 0.69 10/11
PB 0.73 11/11
PC 0.98 10/11
Liabilities to Equity 12.80 1/11
ROA 0.00 10/11
ROE 0.05 10/11
Current Ratio 1.08 11/11
Quick Ratio 0.16 9/11
Long Term Debt to Equity 1.27 5/11
Debt to Equity 1.38 5/11
Burn Rate 8.23 5/11
Cash to Cap 1.02 2/11
CCR 2.12 4/11
EV to EBITDA -1.00 5/11
EV to Revenue -1.00 6/11

Company Details

Ally Financial Inc., a digital financial-services 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 1919 and is based in Detroit, Michigan.

CEO: Mr. Jeffrey Brown

Website: https://www.ally.com

Address: 500 Woodward Ave Fl 10 Detroit, MICHIGAN

Exchange: New York Stock Exchange

Industry: Credit Services

Ally Financial Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Ally Financial Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
American Express Company AXP $185.5 Billion
Visa Inc. V $654.8 Billion
PayPal Holdings, Inc. PYPL $64.6 Billion
Synchrony Financial SYF $20.0 Billion
Mastercard Incorporated MA $481.5 Billion
The Western Union Company WU $3.4 Billion
Capital One Financial Corporation COF $70.0 Billion
Discover Financial Services DFS $46.5 Billion
Upstart Holdings, Inc. UPST $4.6 Billion
Bread Financial Holdings, Inc. BFH $2.4 Billion
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
ALLY Income Statements
Quarter Year Revenue Earnings
Q4 2024 $ 2.2 Billion -$140.0 Million
Q3 2024 $ 4.2 Billion $357.0 Million
Q2 2024 $ 4.0 Billion $294.0 Million
Q1 2024 $ 4.1 Billion $157.0 Million
Q4 2023 $ 0 $0
Q3 2023 $ 2.2 Billion $296.0 Million
Q2 2023 $ 2.3 Billion $329.0 Million
Q1 2023 $ 2.3 Billion $319.0 Million

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ALLY Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q4 2024 $10.3 Billion $191.8 Billion $19.2 Billion $13.9 Billion
Q3 2024 $0 $193.0 Billion $18.6 Billion $14.7 Billion
Q2 2024 $536.0 Million $192.5 Billion $19.1 Billion $13.9 Billion
Q1 2024 $589.0 Million $192.9 Billion $17.0 Billion $13.7 Billion
Q4 2023 $6.9 Billion $196.4 Billion $20.2 Billion $13.8 Billion
Q3 2023 $8.5 Billion $195.7 Billion $22.5 Billion $12.8 Billion
Q2 2023 $10.0 Billion $197.2 Billion $22.3 Billion $13.5 Billion
Q1 2023 $9.8 Billion $196.2 Billion $21.9 Billion $13.4 Billion

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ALLY Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q4 2024 -$297.0 Million -$917.0 Million $2.1 Billion
Q3 2024 $58.0 Million -$934.0 Million $1.2 Billion
Q2 2024 $385.0 Million -$900.0 Million -$516.0 Million
Q1 2024 $632.0 Million -$709.0 Million $1.2 Billion
Q4 2023 -$602.0 Million -$585.0 Million -$1.7 Billion
Q3 2023 $9.0 Million $0 -$226.0 Million
Q2 2023 $828.0 Million -$760.0 Million $43.0 Million
Q1 2023 $691.0 Million -$741.0 Million $4.4 Billion

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