Ally Financial Inc. (ALLY)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $bn | 11 | 11 | 12 | 16 | 16 | 12 | 16 | 9 |
| Operating profit | $bn | 1 | 2 | ||||||
| Net profit | $bn | 1 | 3 | 2 | 1 | 1 | 1 | 1 | 2 |
| EPS reported | $ | 2.37 | 4.24 | ||||||
| Operating cashflow per share | $ | 11.67 | 12.65 | ||||||
| Capex per share | $ | 13.76 | 14.62 | ||||||
| FCF per share | $ | -2.08 | -1.97 | ||||||
| Free cash flow | $bn | -1 | -1 | ||||||
| Net debt | $bn | 12 | 14 | ||||||
| Book value equity | $bn | 15 | 15 | ||||||
| Book value per share | $ | 49.31 | 49.80 | ||||||
| Number of shares | m | 314.27 | 311.04 | ||||||
| DPS (TTM paid) | $ | 1.20 | 1.20 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 19.11 | 9.15 | ||||||
| P/B LTM | x | 0.91 | 0.91 | ||||||
| P/S LTM | x | 1.16 | 0.89 | ||||||
| P/FCF LTM | x | -21.76 | -23.11 | ||||||
| EV/EBITDA LTM | x | 10.54 | 8.51 | ||||||
| EV/Sales LTM | x | 2.12 | 1.79 | ||||||
| Earnings Yield LTM | % | +5.23% | +10.93% | ||||||
| FCF Yield | % | -4.60% | -4.33% | ||||||
| Quality | |||||||||
| ROE | % | +5.50% | +9.42% | ||||||
| ROIC | % | +2.29% | +3.79% | ||||||
| Operating margin | % | +8.65% | +11.59% | ||||||
| Gross margin | % | +51.98% | +49.70% | ||||||
| FCF/Sales | % | -5.32% | -3.84% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +31.67% | +135.56% | ||||||
| Sales Growth YoY | % | -25.75% | -3.23% | ||||||
| Net Income Growth YoY | % | +27.54% | +117.66% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +25.72% | +119.62% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.47% | +2.74% | ||||||
| Dividend Growth | % | 0.00% | 0.00% | ||||||
| Payout Ratio | % | +65.65% | +36.99% | ||||||
| FCF/Debt | x | -0.03 | -0.03 | ||||||
| Net Debt/EBITDA | x | 4.79 | 4.99 | ||||||
| EBIT/Net interest | x | 0.16 | 0.30 | ||||||
| Net debt/market cap | % | +1.55% | +1.73% | ||||||
| Net debt/Equity | x | 0.76 | 0.92 | ||||||
| Gross debt/equity | x | 1.40 | 1.48 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Ally Financial Inc. operates as a digital-first financial services provider, offering a comprehensive suite of products and services to individual consumers, commercial enterprises, and corporate clients. Its primary operational footprint spans the United States and Canada. The company is structured into four main operating segments: 1. Automotive Finance Operations: This segment specializes in vehicle financing solutions. Offerings include retail installment sales contracts, loans, and operating leases for consumers, as well as term loans for dealerships. It also facilitates dealer floorplan financing, other lines of credit for dealers, warehouse lines for automotive retailers, and fleet financing. Furthermore, this division provides funding for companies and municipalities purchasing or leasing vehicles and offers vehicle remarketing services. 2. Insurance Operations: Through this segment, Ally provides consumer finance protection and various insurance products via the automotive dealer channel. It also extends commercial insurance products directly to dealerships. Key offerings include vehicle service and maintenance contracts, guaranteed asset protection (GAP) products, and underwriting for commercial coverages, primarily safeguarding dealers' vehicle inventory. 3. Mortgage Finance Operations: This division oversees a portfolio of consumer mortgage loans. Its activities encompass the bulk acquisition of jumbo and low-to-moderate income mortgage loans originated by third parties, alongside direct-to-consumer mortgage offerings. 4. Corporate Finance Operations: This segment delivers senior secured leveraged cash flow loans and asset-based lending solutions to middle-market companies. It also provides other leveraged loans and commercial real estate products, particularly catering to firms within the healthcare industry. Beyond its core segments, Ally Financial Inc. also furnishes a variety of commercial banking products and services, alongside securities brokerage and investment advisory services. The company, founded in 1919 and based in Detroit, Michigan, was previously known as GMAC Inc. before officially changing its name to Ally Financial Inc. in May 2010.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Ally Financial Inc. (ALLY)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Ally Financial Inc. operates as a digital-first financial services provider, offering a comprehensive suite of products and services to individual consumers, commercial enterprises, and corporate clients. Its primary operational footprint spans the United States and Canada. The company is structured into four main operating segments: 1. Automotive Finance Operations: This segment specializes in vehicle financing solutions. Offerings include retail installment sales contracts, loans, and operating leases for consumers, as well as term loans for dealerships. It also facilitates dealer floorplan financing, other lines of credit for dealers, warehouse lines for automotive retailers, and fleet financing. Furthermore, this division provides funding for companies and municipalities purchasing or leasing vehicles and offers vehicle remarketing services. 2. Insurance Operations: Through this segment, Ally provides consumer finance protection and various insurance products via the automotive dealer channel. It also extends commercial insurance products directly to dealerships. Key offerings include vehicle service and maintenance contracts, guaranteed asset protection (GAP) products, and underwriting for commercial coverages, primarily safeguarding dealers' vehicle inventory. 3. Mortgage Finance Operations: This division oversees a portfolio of consumer mortgage loans. Its activities encompass the bulk acquisition of jumbo and low-to-moderate income mortgage loans originated by third parties, alongside direct-to-consumer mortgage offerings. 4. Corporate Finance Operations: This segment delivers senior secured leveraged cash flow loans and asset-based lending solutions to middle-market companies. It also provides other leveraged loans and commercial real estate products, particularly catering to firms within the healthcare industry. Beyond its core segments, Ally Financial Inc. also furnishes a variety of commercial banking products and services, alongside securities brokerage and investment advisory services. The company, founded in 1919 and based in Detroit, Michigan, was previously known as GMAC Inc. before officially changing its name to Ally Financial Inc. in May 2010.
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