Ally Financial Inc. (ALLY) 10-Year Financial Performance & Capital Metrics

ALLY • • Banking & Credit

Financial ServicesCredit ServicesAuto Finance & Vehicle LendingPrime Auto Finance

AboutAlly 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.Show more

Net Interest Income $6.75B -4.4%
Total Revenue $16.37B +2.5%
Net Income $668M -30.2%
Return on Equity 4.84% -32.8%
Net Interest Margin 3.52% -2.2%
Efficiency Ratio 36.01% -4.1%
ROA 0.34% -30.2%
Equity / Assets 7.25% +3.8%
Book Value per Share 44.83 -0.2%
Tangible BV/Share 42.87 +0.9%
Debt/Equity 1.38 -9.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong NIM of 3.5%
✓Efficient operations: 36.0% efficiency ratio
✓Healthy dividend yield of 2.7%
✓Trading at only 1.0x book value

✗Weaknesses

✗Profits declining 17.2% over 5 years

Price & Volume

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Growth Metrics

Revenue CAGR

10Y5.21%

5Y7.21%

3Y15.25%

TTM-

Profit (Net Income) CAGR

10Y-5.29%

5Y-17.19%

3Y-39.79%

TTM-26.82%

EPS CAGR

10Y-0.17%

5Y-16.14%

3Y-39.73%

TTM-32.16%

ROCE

10Y Avg3.59%

5Y Avg4.77%

3Y Avg3.81%

Latest2.25%

Peer Comparison

Prime Auto Finance

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ALLYAlly Financial Inc.	13.45B	43.65	24.25	2.52%	4.08%	4.07%	7.94%	1.38

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	5.97B	5.68B	5.46B	5.42B	5.61B	5.55B	6.74B	7.76B	7.06B	6.75B
NII Growth %	0.06%	-0.05%	-0.04%	-0.01%	0.04%	-0.01%	0.21%	0.15%	-0.09%	-0.04%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	8.4B	8.3B	8.32B	9.05B	9.86B	8.8B	8.65B	10.62B	13.96B	14.22B
Interest Expense	2.43B	2.63B	2.86B	3.64B	4.24B	3.24B	1.91B	2.86B	6.9B	7.47B
Loan Loss Provision	707M	917M	1.15B	918M	998M	1.44B	241M	1.4B	1.97B	2.17B
Non-Interest Income+	1.45B	1.51B	1.53B	1.37B	1.7B	1.92B	2.04B	1.48B	2.01B	2.15B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	9.84B	9.82B	9.85B	10.42B	11.56B	10.72B	10.69B	12.1B	15.97B	16.37B
Revenue Growth %	-0%	-0%	0%	0.06%	0.11%	-0.07%	-0%	0.13%	0.32%	0.03%
Non-Interest Expense	5.32B	4.69B	4.34B	4.24B	4.35B	4.63B	4.68B	5.5B	6B	5.89B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.39B	1.58B	1.51B	1.62B	1.97B	1.41B	3.85B	2.34B	1.1B	836M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.12%	0.13%	-0.05%	0.08%	0.21%	-0.28%	1.73%	-0.39%	-0.53%	-0.24%
Pretax Income+	1.39B	1.58B	1.51B	1.62B	1.97B	1.41B	3.85B	2.34B	1.1B	836M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	496M	470M	581M	359M	246M	328M	790M	627M	144M	167M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.29B	1.07B	929M	1.26B	1.72B	1.08B	3.06B	1.71B	957M	668M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.12%	-0.17%	-0.13%	0.36%	0.36%	-0.37%	1.82%	-0.44%	-0.44%	-0.3%
Net Income (Continuing)	897M	1.11B	926M	1.26B	1.72B	1.09B	3.06B	1.72B	959M	669M
EPS (Diluted)+	-2.66	2.15	2.04	2.95	4.34	2.88	8.22	5.03	2.78	1.80
EPS Growth %	-2.45%	1.81%	-0.05%	0.45%	0.47%	-0.34%	1.85%	-0.39%	-0.45%	-0.35%
EPS (Basic)	-2.66	2.15	2.05	2.97	4.36	2.89	8.30	5.06	2.80	1.82
Diluted Shares Outstanding	482.87M	482.18M	455.35M	427.68M	395.39M	377.1M	365.18M	318.63M	305.13M	310.16M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	6.63B	6.12B	4.25B	4.54B	3.56B	15.62B	5.06B	5.57B	6.95B	10.29B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	127.01B	134.88B	141.22B	150.64B	160.53B	153.3B	161.32B	166.83B	170.42B	163.97B
Investments Growth %	0.06%	0.06%	0.05%	0.07%	0.07%	-0.05%	0.05%	0.03%	0.02%	-0.04%
Long-Term Investments	112.36B	120.84B	126.72B	134.54B	132.14B	123.61B	127.94B	141.19B	150.71B	144.96B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	27M	240M	240M	240M	393M	343M	822M	822M	669M	551M
Intangible Assets	0	0	0	59M	69M	50M	129M	98M	73M	54M
PP&E (Net)	16.51B	11.85B	9.2B	9.14B	9.68B	10.53B	12.19B	11.83B	10.46B	9.34B
Other Assets	6.1B	8.63B	10.6B	12.61B	5.11B	810M	1.6B	4.63B	5.39B	4.48B
Total Current Assets	22.23B	21.18B	19.93B	21.97B	33.2B	46.73B	39.17B	32.16B	27.78B	30.54B
Total Non-Current Assets	136.36B	142.55B	147.22B	156.9B	147.45B	135.44B	142.94B	159.66B	168.54B	161.29B
Total Assets+	158.58B	163.73B	167.15B	178.87B	180.64B	182.16B	182.11B	191.83B	196.33B	191.84B
Asset Growth %	0.05%	0.03%	0.02%	0.07%	0.01%	0.01%	-0%	0.05%	0.02%	-0.02%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.02%	0.01%	0%	0%
Accounts Payable	741M	1B	1.12B	1.04B	1.18B	1.01B	794M	843M	1.37B	1.4B
Total Debt+	74.33B	66.8B	55.64B	54.37B	39.75B	24.33B	17.2B	20.3B	20.98B	19.23B
Net Debt	67.7B	60.68B	51.39B	49.83B	36.2B	8.71B	12.14B	14.73B	14.04B	8.94B
Long-Term Debt	66.23B	54.13B	44.23B	44.19B	34.03B	22.01B	17.03B	17.76B	17.57B	17.5B
Short-Term Debt	8.1B	12.67B	11.41B	9.99B	5.53B	2.14B	0	2.4B	3.3B	1.63B
Other Liabilities	3.48B	3.53B	3.61B	3.97B	4.44B	4.89B	5.32B	5.36B	5.51B	5.61B
Total Current Liabilities	75.32B	92.69B	105.79B	117.2B	127.46B	140.19B	142.35B	155.54B	159.33B	154.59B
Total Non-Current Liabilities	69.82B	57.72B	47.86B	48.4B	38.77B	27.28B	22.71B	23.43B	23.3B	23.34B
Total Liabilities	145.14B	150.41B	153.65B	165.6B	166.23B	167.46B	165.06B	178.97B	182.63B	177.93B
Total Equity+	13.44B	13.32B	13.49B	13.27B	14.42B	14.7B	17.05B	12.86B	13.7B	13.9B
Equity Growth %	-0.13%	-0.01%	0.01%	-0.02%	0.09%	0.02%	0.16%	-0.25%	0.07%	0.01%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.09%	0.08%	0.07%	0.09%	0.12%	0.07%	0.19%	0.11%	0.07%	0.05%
Book Value per Share	27.83	27.62	29.63	31.02	36.46	38.99	46.69	40.36	44.91	44.83
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	21.1B	21.17B	21.25B	21.34B	21.44B	21.54B	21.67B	21.82B	21.98B	22.14B
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0	0
Retained Earnings	-8.11B	-7.15B	-6.41B	-5.49B	-4.06B	-4.28B	-1.6B	-384M	91M	270M
Accumulated OCI	-231M	-341M	-235M	-539M	123M	631M	-158M	-4.06B	-3.82B	-3.92B
Treasury Stock	-16M	-357M	-1.11B	-2.05B	-3.09B	-3.19B	-5.19B	-6.84B	-6.87B	-6.91B
Preferred Stock	696M	0	0	0	0	0	2.32B	2.32B	2.32B	2.32B

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	5.11B	4.57B	4.08B	4.15B	4.05B	3.74B	4.04B	6.25B	4.56B	4.53B
Operating CF Growth %	0.5%	-0.11%	-0.11%	0.02%	-0.02%	-0.08%	0.08%	0.55%	-0.27%	-0.01%
Net Income	1.29B	1.07B	929M	1.26B	1.72B	1.08B	3.06B	1.71B	957M	668M
Depreciation & Amortization	2.8B	2.38B	1.86B	1.65B	1.55B	1.55B	1.26B	1.33B	1.23B	1.2B
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	300M	820M	874M	876M	741M	1.14B	-143M	1.33B	2.36B	2.6B
Working Capital Changes	721M	298M	417M	362M	39M	-32M	-136M	1.87B	11M	60M
Cash from Investing+	-10B	-9.07B	-8.73B	-14.51B	-3.77B	8.43B	-11.1B	-17.26B	-7.18B	4.99B
Purchase of Investments	-12.25B	-16.87B	-12.26B	-9.52B	-16.21B	-18.75B	-23.2B	-7.31B	-857M	-1.6B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	1.05B	-309M	0	0	-171M	0	-699M	0	0	1.96B
Other Investing	-5.25B	-3.03B	-15M	-6.28B	3.1B	11.07B	-433M	-12.52B	-6.44B	4.39B
Cash from Financing+	5.44B	3.67B	2.03B	10.72B	-1.53B	25M	-3.85B	11.57B	3.84B	-5.57B
Dividends Paid	-2.57B	-108M	-184M	-242M	-273M	-289M	-381M	-494M	-478M	-482M
Share Repurchases	-16M	-1.04B	-753M	-939M	-1.04B	-106M	-1.99B	-1.65B	-33M	-38M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	8.25B	12.51B	14.17B	12.87B	14.55B	16.26B	4.51B	10.7B	2.34B	-3.23B
Net Change in Cash+	548M	-832M	-2.61B	357M	-1.25B	12.19B	-10.9B	552M	1.22B	3.94B
Exchange Rate Effect	-1000K	1000K	1000K	-1000K	1000K	1000K	0	-1000K	1000K	-1000K
Cash at Beginning	8.16B	8.71B	7.88B	5.27B	5.63B	4.38B	16.57B	5.67B	6.22B	7.44B
Cash at End	8.71B	7.88B	5.27B	5.63B	4.38B	16.57B	5.67B	6.22B	7.44B	11.38B
Interest Paid	2.63B	2.65B	2.83B	3.38B	4.03B	3.37B	2.03B	2.58B	6.36B	7.35B
Income Taxes Paid	96M	19M	51M	36M	64M	53M	1.29B	0	0	135M
Free Cash Flow+	426M	1.29B	27M	441M	27M	-581M	-1.08B	2.71B	1.8B	1.07B
FCF Growth %	1.07%	2.04%	-0.98%	15.33%	-0.94%	-22.52%	-0.86%	3.52%	-0.34%	-0.41%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	8.94%	7.98%	6.93%	9.44%	12.39%	7.45%	19.27%	11.46%	7.21%	4.84%
Return on Assets (ROA)	0.83%	0.66%	0.56%	0.73%	0.95%	0.6%	1.68%	0.92%	0.49%	0.34%
Net Interest Margin	3.76%	3.47%	3.27%	3.03%	3.11%	3.05%	3.7%	4.05%	3.6%	3.52%
Efficiency Ratio	53.99%	47.77%	44.05%	40.73%	37.64%	43.14%	43.8%	45.46%	37.57%	36.01%
Equity / Assets	8.47%	8.13%	8.07%	7.42%	7.98%	8.07%	9.36%	6.7%	6.98%	7.25%
Book Value / Share	27.83	27.62	29.63	31.02	36.46	38.99	46.69	40.36	44.91	44.83
NII Growth	6.42%	-4.89%	-3.72%	-0.91%	3.67%	-1.07%	21.3%	15.24%	-9.05%	-4.4%
Dividend Payout	199.46%	10.12%	19.81%	19.16%	15.92%	26.64%	10.59%	22.4%	38.45%	55.69%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total financing revenue and other interest income	-	-	-	-	-	-	8.65B	10.62B	13.96B	14.22B
Total financing revenue and other interest income Growth	-	-	-	-	-	-	-	22.77%	31.42%	1.89%
Insurance premiums and service revenue earned	-	-	-	-	-	-	1.12B	1.15B	1.27B	1.41B
Insurance premiums and service revenue earned Growth	-	-	-	-	-	-	-	3.04%	10.43%	11.17%
Other income, net of losses	-	-	-	-	-	-	686M	495M	582M	658M
Other income, net of losses Growth	-	-	-	-	-	-	-	-27.84%	17.58%	13.06%
Other gain (loss) on investments, net	-	-	-	-	-	-	285M	-120M	144M	72M
Other gain (loss) on investments, net Growth	-	-	-	-	-	-	-	-142.11%	220.00%	-50.00%
(Loss) gain on mortgage and automotive loans, net	-	-	-	-	-	-	87M	52M	16M	24M
(Loss) gain on mortgage and automotive loans, net Growth	-	-	-	-	-	-	-	-40.23%	-69.23%	50.00%
Loss on extinguishment of debt	-	-	-	-	-	-	-136M	-	-	-
Loss on extinguishment of debt Growth	-	-	-	-	-	-	-	-	-	-
Noninsurance Contracts	-	-	-	-	542M	584M	-	-	-	-
Noninsurance Contracts Growth	-	-	-	-	-	7.75%	-	-	-	-
Remarketing Activities	-	-	-	-	74M	73M	-	-	-	-
Remarketing Activities Growth	-	-	-	-	-	-1.35%	-	-	-	-
Brokerage Commissions and Other	-	-	-	62M	61M	52M	-	-	-	-
Brokerage Commissions and Other Growth	-	-	-	-	-1.61%	-14.75%	-	-	-	-
Brokered/Agent Commissions	-	-	-	-	14M	16M	-	-	-	-
Brokered/Agent Commissions Growth	-	-	-	-	-	14.29%	-	-	-	-
Other	-	-	-	-	20M	16M	-	-	-	-
Other Growth	-	-	-	-	-	-20.00%	-	-	-	-
Deposits and Banking	-	-	-	13M	16M	12M	-	-	-	-
Deposits and Banking Growth	-	-	-	-	23.08%	-25.00%	-	-	-	-
Automotive finance operations	3.66B	7.64B	7.78B	-	-	-	-	-	-	-
Automotive finance operations Growth	-	108.41%	1.90%	-	-	-	-	-	-	-
Insurance Operations Member	1.09B	1.16B	1.18B	-	-	-	-	-	-	-
Insurance Operations Member Growth	-	6.24%	1.64%	-	-	-	-	-	-	-
Corporate and Other	-52M	88M	381M	-	-	-	-	-	-	-
Corporate and Other Growth	-	269.23%	332.95%	-	-	-	-	-	-	-
Corporate Finance Operations	-	268M	379M	-	-	-	-	-	-	-
Corporate Finance Operations Growth	-	-	41.42%	-	-	-	-	-	-	-
Mortgage Finance Operations Member	-	194M	268M	-	-	-	-	-	-	-
Mortgage Finance Operations Member Growth	-	-	38.14%	-	-	-	-	-	-	-
Mortgage Operations Member	159M	-	-	-	-	-	-	-	-	-
Mortgage Operations Member Growth	-	-	-	-	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Domestic	-	-	5.68B	-	-	-	-	-	-	-
Domestic Growth	-	-	-	-	-	-	-	-	-	-
Foreign	-	-	89M	-	-	-	-	-	-	-
Foreign Growth	-	-	-	-	-	-	-	-	-	-
Canada	-	-	89M	-	-	-	-	-	-	-
Canada Growth	-	-	-	-	-	-	-	-	-	-
Latin America	-	-	-	-	-	-	-	-	-	-
Latin America Growth	-	-	-	-	-	-	-	-	-	-
Asia Pacific	-	-	-	-	-	-	-	-	-	-
Asia Pacific Growth	-	-	-	-	-	-	-	-	-	-
Europe	1M	-	-	-	-	-	-	-	-	-
Europe Growth	-	-	-	-	-	-	-	-	-	-
Canada Member	98M	90M	-	-	-	-	-	-	-	-
Canada Member Growth	-	-8.16%	-	-	-	-	-	-	-	-
Foreign Member	99M	90M	-	-	-	-	-	-	-	-
Foreign Member Growth	-	-9.09%	-	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Ally Financial Inc. (ALLY) has a price-to-earnings (P/E) ratio of 24.3x. This is roughly in line with market averages.

Growth & Financials

Ally Financial Inc. (ALLY) grew revenue by 2.5% over the past year. Growth has been modest.

Yes, Ally Financial Inc. (ALLY) is profitable, generating $592.0M in net income for fiscal year 2024 (4.1% net margin).

Dividend & Returns

Yes, Ally Financial Inc. (ALLY) pays a dividend with a yield of 2.75%. This makes it attractive for income-focused investors.

Ally Financial Inc. (ALLY) has a return on equity (ROE) of 4.8%. This is below average, suggesting room for improvement.

Industry Metrics

Ally Financial Inc. (ALLY) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

Ally Financial Inc. (ALLY) has an efficiency ratio of 36.0%. This is excellent, indicating strong cost control.

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