Ally Financial Inc. (ALLY) — Analysis Summary
Ally Financial Inc. (ALLY) has a market cap of $12.83B with year-over-year revenue growth of +15.0%. Net margin stands at 176.8%. The stock trades at a P/E ratio of 8.8.
Key Takeaways
- Revenue changed +15.0% year-over-year
- Net margin of 176.8%
- P/E ratio of 8.8
Compared to other companies in the STATE COMMERCIAL BANKS sector, ALLY posted revenue growth of +15.0% and trades at a P/E of 8.8.
Ally Financial Inc. (ALLY)
UPDATED — ET · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Debt/EBITDA at 6.8x — highly leveraged, potential refinancing risk
Interest coverage at 0.2x — earnings do not cover interest payments
Operating margin (116.6%) exceeds gross margin (53.4%) — check for other operating income or data classification issues
Operating margin at 116.6% — exceptionally high, typical only for monopolistic or IP-heavy businesses
Formerly the captive financial arm of General Motors, Ally Financial became an independent publicly traded firm in 2014 and is one of the largest consumer auto lenders in the country. While the firm has expanded its product offerings over time, it remains primarily focused on auto lending, with more than 70% of its loan book in consumer auto loans and dealer financing. Ally also offers auto insurance, commercial loans, credit cards, and holds a portfolio of mortgage debt, giving the bank a diversified business model that includes brokerage services.
Sector
STATE COMMERCIAL BANKS
Employees
10,300
Headquarters
DETROIT, MI
Exchange
XNYS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
$1.20
Dividend Yield
2.84%
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.