Stock ALLY ALLY FINANCIAL INC.
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PDF Report : Ally Financial Inc.

Financials Ally Financial Inc.

Equities

ALLY

US02005N1000

Consumer Lending

Market Closed - Nyse
Other stock markets
 04:00:02 2023-12-01 pm EST 		Intraday chart for Ally Financial Inc. 5-day change 1st Jan Change
30.86 USD +5.61% +13.41% +26.22%
Dec. 01 North American Morning Briefing : S&P 500 Futures -2- DJ
Nov. 30 Wolfe Research Upgrades Ally Financial to Outperform From Peer Perform With $39 Price Target MT

Valuation

Fiscal Period : December 2018 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 9 360 11 615 13 332 16 494 7 302 8 814 - -
Enterprise Value (EV) 1 165 181 135 744 13 332 25 455 21 892 11 135 11 135 11 135
P/E ratio 7,68x 7,04x 12,4x 5,79x 4,86x 9,29x 8,14x 5,89x
Yield 2,47% 2,23% 2,13% 1,85% 4,91% 3,89% 4,00% 4,12%
Capitalization / Revenue 1,61x 1,82x 1,99x 2,01x 0,87x 1,08x 1,03x 0,94x
EV / Revenue 28,5x 21,2x 1,99x 3,10x 2,60x 1,36x 1,30x 1,19x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0,69x 0,79x 0,91x 1,09x 0,69x 0,88x 0,79x 0,70x
Nbr of stocks (in thousands) 413 082 380 069 373 857 346 444 298 647 301 630 - -
Reference price 2 22,7 30,6 35,7 47,6 24,5 30,9 30,9 30,9
Announcement Date 30/01/19 22/01/20 22/01/21 21/01/22 20/01/23 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period : December 2018 2019 2020 2021 2022 2023 2024 2025
Net sales 1 5 804 6 394 6 686 8 206 8 428 8 158 8 585 9 338
EBITDA - - - - - - - -
EBIT 1 2 540 2 965 2 903 4 096 3 741 3 232 3 583 4 045
Operating Margin 43,8% 46,4% 43,4% 49,9% 44,4% 39,6% 41,7% 43,3%
Earnings before Tax (EBT) 1 1 622 1 967 1 414 3 855 2 342 1 256 1 601 2 144
Net income 1 1 263 1 715 1 085 3 003 1 604 1 035 1 180 1 576
Net margin 21,8% 26,8% 16,2% 36,6% 19,0% 12,7% 13,7% 16,9%
EPS 2 2,95 4,34 2,88 8,22 5,03 3,32 3,79 5,24
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0,56 0,68 0,76 0,88 1,20 1,20 1,24 1,27
Announcement Date 30.01.19 22.01.20 22.01.21 21.01.22 20.01.23 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period : December 2021 Q2 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 2 085 1 985 2 199 2 135 2 076 2 016 2 201 2 100 2 079 1 968 2 013 2 025 2 084 2 163 2 253
EBITDA - - - - - - - - - - - - - - -
EBIT 1 1 010 983 1 109 1 013 938 855 935 834 830 736 814 785 805 894 916
Operating Margin 48,4% 49,5% 50,4% 47,4% 45,2% 42,4% 42,5% 39,7% 39,9% 37,4% 40,4% 38,7% 38,6% 41,3% 40,7%
Earnings before Tax (EBT) 1 1 042 907 899 846 634 417 445 388 403 228 231 292 385 434 465
Net income 1 900 683 624 627 454 272 251 291 301 269 177 211 261 308 340
Net margin 43,2% 34,4% 28,4% 29,4% 21,9% 13,5% 11,4% 13,9% 14,5% 13,7% 8,77% 10,4% 12,5% 14,2% 15,1%
EPS 2 2,41 1,89 1,79 1,86 1,40 0,88 0,83 0,96 0,99 0,88 0,55 0,63 0,84 1,02 1,13
Dividend per Share 2 0,19 0,25 0,25 0,30 0,30 0,30 0,30 0,30 0,30 - 0,30 0,31 0,31 0,31 0,31
Announcement Date 07/20/21 10/21/21 01/21/22 04/14/22 07/19/22 10/19/22 01/20/23 04/19/23 07/19/23 10/18/23 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period : December 2018 2019 2020 2021 2022 2023 2024 2025
Net Debt 1 155 821 124 129 - 8 961 14 590 2 322 2 322 2 322
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 9,40% 12,4% 7,70% 18,5% 11,2% 8,48% 9,75% 12,0%
Shareholders' equity 1 13 436 13 831 14 091 16 232 14 321 12 207 12 101 13 149
ROA (Net income/ Total Assets) 0,74% 1,00% 0,60% 1,10% 0,90% 0,52% 0,62% 0,82%
Assets 1 170 676 171 500 180 833 273 000 178 222 198 162 189 960 191 988
Book Value Per Share 2 32,8 38,5 39,2 43,6 35,2 35,2 39,0 43,9
Cash Flow per Share 9,70 10,2 9,92 11,1 - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 01/30/19 01/22/20 01/22/21 01/21/22 01/20/23 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Ally Financial Inc.

Trading Rating :
Investor Rating :
ESG Refinitiv :
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
21
Last Close Price
30.86USD
Average target price
30.91USD
Spread / Average Target
+0.17%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Consumer Leasing

1st Jan change Capi.
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Consumer Leasing
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