Ally Financial Stock Financials


USD 26.12  0.20  0.77%   

Ally Financial Net Income Per Employee is fairly stable at the moment as compared to the past year. Ally Financial reported Net Income Per Employee of 291,429 in 2021. Revenue Per Employee is likely to rise to about 1 M in 2022, whereas Earnings Before Interest Taxes and Depreciation Amortization EBITDA are likely to drop slightly above 4.7 B in 2022.
With this module, you can analyze Ally Financial financials for your investing period. You should be able to track the changes in Ally Financial individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.

Ally Financial Most Recent Estimates

Quarterly Earnings Growth YOY
EPS Estimate Next Quarter
Diluted Eps
EPS Estimate Current Year
EPS Estimate Next Year
EPS Estimate Current Quarter
Understanding current and past Ally Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Ally Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Ally Financial's assets may result in an increase in income on the income statement.


12.03 Billion

The financial analysis of Ally Financial is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for Ally Financial includes many different criteria found on its balance sheet. For example, investors should never minimize Ally Financial's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor Ally Financial's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in Ally Financial.

Ally Financial Cash

Chance Of Financial Distress
Less than 9
Ally Financial has less than 9 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for Ally Financial stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity. More Info
The data published in Ally Financial's official financial statements usually reflect Ally Financial's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Ally Financial. For example, before you start analyzing numbers published by Ally Financial accountants, it's critical to develop an understanding of what Ally Financial's liquidity, profitability, and earnings quality are in the context of the Consumer Finance space in which it operates.
Please note, the presentation of Ally Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Ally Financial's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Ally Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Ally Financial. Please utilize our Beneish M Score to check the likelihood of Ally Financial's management to manipulate its earnings.

Ally Financial Company Summary

Ally Financial competes with Arlington Asset, Arbor Realty, Associated Capital, AGNC Investment, and Ashford. 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. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan. Ally Financial operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 10500 people.
Foreign Associate  Thailand
Financial Services, Diversified Financials
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
CIK Number0000040729
RegionNorth America
Business AddressAlly Detroit Center,
SectorConsumer Finance
BenchmarkNYSE Composite
Phone866 710 4623
CurrencyUSD - US Dollar
You should never invest in Ally Financial without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Ally Financial Stock, because this is throwing your money away. Analyzing the key information contained in Ally Financial's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Ally Financial Key Financial Ratios

Generally speaking, Ally Financial's financial ratios allow both analysts and investors to convert raw data from Ally Financial's financial statements into concise, actionable information that can be used to evaluate the performance of Ally Financial over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Ally Financial reports annually and quarterly.

Ally Financial Key Balance Sheet Accounts

201720182019202020212022 (projected)
Long Term Debt47.4 B46.67 B36.61 B24.14 B17.03 B17.48 B
Accumulated Other Comprehensive Income(235 M)(539 M)123 M631 M(158 M)(162.16 M)
Total Assets167.15 B178.87 B180.64 B182.16 B182.11 B167.94 B
Cash and Equivalents4.25 B4.54 B3.56 B15.62 B5.06 B6.94 B
Cash and Equivalents USD4.25 B4.54 B3.56 B15.62 B5.06 B5.61 B
Total Debt55.64 B54.18 B39.56 B24.14 B17.03 B17.48 B
Total Debt USD55.64 B54.18 B39.56 B24.14 B17.03 B17.48 B
Deferred Revenue2.6 B3.04 B3.31 B3.44 B3.51 B3.45 B
Deposit Liabilities93.26 B106.18 B120.75 B137.04 B141.56 B124.44 B
Shareholders Equity13.49 B13.27 B14.42 B14.7 B17.05 B18.09 B
Shareholders Equity USD13.49 B13.27 B14.42 B14.7 B17.05 B15.42 B
Investments155.19 B165.85 B168.46 B157.45 B166.27 B174.64 B
Total Liabilities153.65 B165.6 B166.23 B167.46 B165.06 B152.34 B
Trade and Non Trade Receivables2.05 B2.33 B2.56 B2.68 B2.72 B2.63 B
Accumulated Retained Earnings Deficit(6.41 B)(5.49 B)(4.06 B)(4.28 B)(1.6 B)(1.73 B)

Ally Financial Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what Ally Financial's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201720182019202020212022 (projected)
Consolidated Income929 M1.26 B1.72 B1.08 B3.06 B3.3 B
Cost of Revenue332 M295 M321 M363 M261 M287.72 M
Gross Profit5.43 B5.51 B6.07 B6.32 B7.95 B7.13 B
Net Income929 M1.26 B1.72 B1.08 B3.06 B3.3 B
Operating Expenses2.78 B2.97 B3.11 B3.47 B3.85 B3.76 B
Operating Income2.65 B2.54 B2.96 B2.85 B4.1 B3.37 B
Revenues9.87 B10.47 B11.62 B10.78 B10.69 B12.03 B
Income Tax Expense581 M359 M246 M328 M790 M852.37 M

Ally Financial Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Ally Financial. It measures of how well Ally Financial is doing because it can show the actual money that comes into and out of the company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Ally Financial brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Ally Financial had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Ally Financial has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201720182019202020212022 (projected)
Depreciation Amortization and Accretion1.86 B1.65 B1.55 B1.55 B1.26 B1.58 B
Net Cash Flow or Change in Cash and Cash Equivalents(2.61 B)357 M(1.25 B)12.19 B(10.9 B)(11.19 B)
Net Cash Flow Business Acquisitions and Disposals1.05 B(309 M)(171 M)(699 M)(629.1 M)(645.66 M)
Issuance Purchase of Equity Shares(753 M)(939 M)(1.04 B)(106 M)(1.99 B)(2.05 B)
Issuance Repayment of Debt Securities(11.2 B)(965 M)(14.77 B)(15.84 B)(5.21 B)(5.62 B)
Payment of Dividends and Other Cash Distributions(184 M)(242 M)(273 M)(289 M)(324 M)(349.58 M)
Net Cash Flow from Financing2.03 B10.72 B(1.53 B)25 M(3.85 B)(3.95 B)
Net Cash Flow from Investing(8.73 B)(14.51 B)(3.77 B)8.43 B(11.1 B)(11.97 B)
Net Cash Flow Investment Acquisitions and Disposals(10.02 B)(13.55 B)(1.82 B)10.52 B(8.27 B)(8.93 B)
Net Cash Flow from Operations4.08 B4.15 B4.05 B3.74 B4.04 B4.91 B
Effect of Exchange Rate Changes on Cash(4 M)1,000 K3 M(5 M)2.7 M2.94 M

Ally Financial Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Ally Financial's current stock value. Our valuation model uses many indicators to compare Ally Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Ally Financial competition to find correlations between indicators driving Ally Financial's intrinsic value. More Info.
Ally Financial is rated third in short ratio category among related companies. It is rated second in shares owned by institutions category among related companies producing about  52.09  of Shares Owned by Institutions per Short Ratio. . Comparative valuation analysis is a catch-all model that can be used if you cannot value Ally Financial by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Ally Financial's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Ally Financial's earnings, one of the primary drivers of an investment's value.

Ally Financial Systematic Risk

Ally Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Ally Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Ally Financial correlated with the market. If Beta is less than 0 Ally Financial generally moves in the opposite direction as compared to the market. If Ally Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Ally Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Ally Financial is generally in the same direction as the market. If Beta > 1 Ally Financial moves generally in the same direction as, but more than the movement of the benchmark.

About Ally Financial Financials

What exactly are Ally Financial Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Ally Financial's income statement, its balance sheet, and the statement of cash flows. Potential Ally Financial investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Ally Financial investors may use each financial statement separately, they are all related. The changes in Ally Financial's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Ally Financial's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Ally Financial is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Ally Financial has grown by more than 25% over the last five years, then there is a good chance that it will continue growing at least by 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.

Ally Financial December 4, 2022 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Ally Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Ally Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Ally Financial based on widely used predictive technical indicators. In general, we focus on analyzing Ally Financial Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Ally Financial's daily price indicators and compare them against related drivers.
Information Ratio(0.12)
Maximum Drawdown20.48
Value At Risk(5.02)
Potential Upside4.24
Please continue to Trending Equities. You can also try Probability Of Bankruptcy module to get analysis of equity chance of financial distress in the next 2 years.

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Is Ally Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Ally Financial. If investors know Ally Financial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Ally Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth YOY
Market Capitalization
7.8 B
Quarterly Revenue Growth YOY
Return On Assets
Return On Equity
The market value of Ally Financial is measured differently than its book value, which is the value of Ally Financial that is recorded on the company's balance sheet. Investors also form their own opinion of Ally Financial's value that differs from its market value or its book value, called intrinsic value, which is Ally Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Ally Financial's market value can be influenced by many factors that don't directly affect Ally Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Ally Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine Ally Financial value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Ally Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.