Ally Financial Fundamentals

ALLY
 Stock
  

USD 25.92  0.20  0.77%   

Ally Financial fundamentals help investors to digest information that contributes to Ally Financial's financial success or failures. It also enables traders to predict the movement of Ally Financial Stock. The fundamental analysis module provides a way to measure Ally Financial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Ally Financial stock.
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Ally Financial Consolidated Income is fairly stable at the moment as compared to the past year. Ally Financial reported Consolidated Income of 3.06 Billion in 2021. Cost of Revenue is likely to rise to about 287.7 M in 2022, whereas Gross Profit is likely to drop slightly above 7.1 B in 2022.

Ally Financial Total Debt Analysis

Ally Financial's Total Debt refers to the amount of long term interest-bearing liabilities that a company carries on its balance sheet. That may include bonds sold to the public, notes written to banks or capital leases. Typically, debt can help a company magnify its earnings, but the burden of interest and principal payments will eventually prevent the firm from borrow excessively.

Ally Financial Total Debt

17.48 Billion

Total Debt 
 = 
Bonds 
+  
Notes 
More About Total Debt | All Equity Analysis

Current Ally Financial Total Debt

    
  17.03 B  
Most of Ally Financial's fundamental indicators, such as Total Debt, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Ally Financial is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

Ally Financial Total Debt Historical Pattern

Today, most investors in Ally Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Ally Financial's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's total debt growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Ally Financial total debt as a starting point in their analysis.
   Ally Financial Total Debt   
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       Timeline  
In most industries, total debt may also include the current portion of long-term debt. Since debt terms vary widely from one company to another, simply comparing outstanding debt obligations between different companies may not be adequate. It is usually meant to compare total debt amounts between companies that operate within the same sector.
Compare to competition

Ally Financial Long Term Debt

Long Term Debt

17.48 Billion

Ally Financial Long Term Debt is fairly stable at the moment as compared to the past year. Ally Financial reported Long Term Debt of 17.03 Billion in 2021
Based on the latest financial disclosure, Ally Financial has a Total Debt of 17.03 B. This is 57.75% lower than that of the Consumer Finance sector and 46.11% higher than that of the Financials industry. The total debt for all United States stocks is significantly lower than that of the firm.

Ally Financial Fundamental Drivers 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 second in number of shares shorted category among related companies. It is rated third in short ratio category among related companies . The ratio of Number of Shares Shorted to Short Ratio for Ally Financial is about  6,330,298 . 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 Profit Margin Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Ally Financial's direct or indirect competition against its Profit Margin to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Ally Financial could also be used in its relative valuation, which is a method of valuing Ally Financial by comparing valuation metrics of similar companies.
Ally Financial is currently under evaluation in profit margin category among related companies.

Ally Financial Current Valuation Drivers

We derive many important indicators used in calculating different scores of Ally Financial from analyzing Ally Financial's financial statements. These drivers represent accounts that assess Ally Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Ally Financial's important valuation drivers and their relationship over time.
201720182019202020212022 (projected)
Net Income Per Employee117.59 K154.02 K197.13 K113.9 K291.43 K314.44 K
Revenue Per Employee1.25 M1.28 M1.34 M1.13 M1.02 M1.04 M
Average Assets164.4 B173.33 B180.67 B183.51 B180.91 B193.34 B
Earnings Before Interest Taxes and Depreciation Amortization EBITDA3.37 B3.27 B3.52 B2.96 B5.05 B4.74 B
Earnings Before Interest Taxes and Depreciation Amortization USD3.37 B3.27 B3.52 B2.96 B5.05 B4.74 B
Earnings before Tax1.51 B1.62 B1.96 B1.41 B3.79 B4.09 B
Average Equity13.48 B13.14 B14.22 B14.04 B16.62 B15.33 B
Enterprise Value63.77 B58.47 B49.06 B22.13 B20.53 B21.07 B
Free Cash Flow4.08 B4.15 B4.05 B3.74 B4.04 B3.9 B
Invested Capital218.53 B228.51 B216.65 B190.69 B194.08 B196.74 B
Invested Capital Average217.62 B223.38 B220.05 B199.87 B186.9 B192.37 B
Market Capitalization12.89 B9.36 B11.61 B13.33 B16.49 B15.41 B
Tangible Asset Value167.15 B178.87 B180.64 B182.16 B182.11 B194.93 B

Ally Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Ally Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Ally Financial's managers, analysts, and investors.
Environment Score
Governance Score
Social Score

Ally Financial Fundamentals

About Ally Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Ally Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Ally Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Ally Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Last ReportedProjected for 2022
Deferred Revenue3.5 B3.4 B
Cost of Revenue261 M287.7 M
Revenues10.7 B12 B
Revenue to Assets 0.06  0.07 
Revenue Per EmployeeMM

Be your own money manager

Our tools can tell you how much better you can do entering a position in Ally Financial without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Pair Trading with Ally Financial

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Ally Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Ally Financial will appreciate offsetting losses from the drop in the long position's value.

Moving against Ally Financial

-0.53JPMJPMorgan Chase Fiscal Year End 13th of January 2023 PairCorr
The ability to find closely correlated positions to Ally Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Ally Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Ally Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Ally Financial to buy it.
The correlation of Ally Financial is a statistical measure of how it moves in relation to other equities. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Ally Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Ally Financial moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Ally Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
Please continue to Ally Financial Piotroski F Score and Ally Financial Altman Z Score analysis. You can also try Stock Tickers module to use high-impact, comprehensive, and customizable stock tickers that can be easily integrated to any websites.

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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
(0.54) 
Market Capitalization
7.8 B
Quarterly Revenue Growth YOY
(0.14) 
Return On Assets
0.0114
Return On Equity
0.14
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.