Financials Ally Financial Inc.

Equities

ALLY

US02005N1000

Consumer Lending

Market Closed - Nyse Other stock markets 04:00:02 2024-12-06 pm EST			5-day change	1st Jan Change
38.55 ^USD	+0.47%		-3.58%	+10.40%

Dec. 05	Wolfe Downgrades Ally Financial to Peer Perform From Outperform	MT
Nov. 22	Sector Update: Financial Stocks Rise Late Afternoon	MT

Projected Income Statement: Ally Financial Inc.

income-statement-evolution-chart ALLY-FINANCIAL-INC

Fiscal Period: Diciembre	2019	2020	2021	2022	2023	2024	2025	2026
Net sales ¹	6,394	6,686	8,206	8,428	8,214	8,107	8,789	9,592
Change	-	4.57%	22.73%	2.71%	-2.54%	-1.3%	8.41%	9.14%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	2,965	2,903	4,096	3,741	3,051	3,051	3,488	4,216
Change	-	-2.09%	41.1%	-8.67%	-18.44%	0%	14.3%	20.88%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	1,967	1,414	3,855	2,342	1,083	796.2	1,572	2,301
Change	-	-28.11%	172.63%	-39.25%	-53.76%	-26.49%	97.39%	46.4%
Net income ¹	1,715	1,085	3,003	1,604	910	910.7	1,358	1,897
Change	-	-36.73%	176.77%	-46.59%	-43.27%	0.07%	49.09%	39.72%
Announcement Date	1/22/20	1/22/21	1/21/22	1/20/23	1/19/24	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2019 Q4	2020 Q1	2020 Q2	2020 Q3	2020 Q4	2021 Q1	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	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3
Net sales ¹	1,643	1,412	1,609	1,684	1,981	1,937	2,085	1,985	2,199	2,135	2,076	2,016	2,201	2,100	2,079	1,968	2,067	1,986	2,000	2,103	2,013	2,047	2,139	2,248	2,338	2,318	2,415	2,498
Change	-	-14.06%	13.95%	4.66%	17.64%	-2.22%	7.64%	-4.8%	10.78%	-2.91%	-2.76%	-2.89%	9.18%	-4.59%	-1%	-5.34%	5.03%	-3.92%	0.7%	5.15%	-4.3%	1.71%	4.48%	5.09%	4.02%	-0.88%	4.21%	3.44%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	763	492	624	779	958	994	1,010	983	1,109	1,013	938	855	935	834	830	736	651	678	714	878	760.7	755	798.2	911.5	984.7	-	-	-
Change	-	-35.52%	26.83%	24.84%	22.98%	3.76%	1.61%	-2.67%	12.82%	-8.66%	-7.4%	-8.85%	9.36%	-10.8%	-0.48%	-11.33%	-11.55%	4.15%	5.31%	22.97%	-13.36%	-0.75%	5.73%	14.19%	8.03%	-100%	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	487	-411	337	632	856	1,007	1,042	907	899	846	634	417	445	388	403	228	64	171	257	233	139.1	263.7	382.8	466.9	490.7	513.3	584.7	672.3
Change	-	-	-	87.54%	35.44%	17.64%	3.48%	-12.96%	-0.88%	-5.9%	-25.06%	-34.23%	6.71%	-12.81%	3.87%	-43.42%	-71.93%	167.19%	50.29%	-9.34%	-40.28%	89.48%	45.21%	21.97%	5.1%	4.6%	13.9%	14.99%
Net income ¹	378	-319	241	476	687	796	900	683	624	627	454	272	251	291	301	269	49	129	266	330	183	224.7	299.9	367.4	375.9	413.1	470.2	541
Change	-	-	-	97.51%	44.33%	15.87%	13.07%	-24.11%	-8.64%	0.48%	-27.59%	-40.09%	-7.72%	15.94%	3.44%	-10.63%	-81.78%	163.27%	106.2%	24.06%	-44.53%	22.78%	33.46%	22.5%	2.32%	9.89%	13.81%	15.07%
Announcement Date	1/22/20	4/20/20	7/17/20	10/16/20	1/22/21	4/16/21	7/20/21	10/21/21	1/21/22	4/14/22	7/19/22	10/19/22	1/20/23	4/19/23	7/19/23	10/18/23	1/19/24	4/18/24	7/17/24	10/18/24	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: Ally Financial Inc.

balance-sheet-analysis-chart ALLY-FINANCIAL-INC

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net Debt ¹	124,129	-	8,961	14,590	13,922	2,322	2,322	2,322
Change	-	-	-	62.82%	-4.58%	-83.32%	0%	0%
Announcement Date	1/22/20	1/22/21	1/21/22	1/20/23	1/19/24	-	-	-

¹USD in Million

Estimates

Cash Flow Forecast: Ally Financial Inc.

Fiscal Period: December	2018	2019	2020	2021	2022	2023
CAPEX ¹	3,709	4,023	4,320	5,120	3,532	2,759
Change	-	8.47%	7.38%	18.52%	-31.02%	-21.89%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	2/20/19	2/25/20	2/24/21	2/25/22	2/24/23	2/20/24

¹USD in Million

Estimates

Forecast Financial Ratios: Ally Financial Inc.

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-
EBIT Margin (%)	46.37%	43.42%	49.91%	44.39%	37.14%	37.63%	39.68%	43.95%
EBT Margin (%)	30.76%	21.15%	46.98%	27.79%	13.18%	9.82%	17.88%	23.99%
Net margin (%)	26.82%	16.23%	36.6%	19.03%	11.08%	11.23%	15.45%	19.78%
FCF margin (%)	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-
Profitability
ROA	1%	0.6%	1.1%	0.9%	0.5%	0.48%	0.63%	0.93%
ROE	12.4%	7.7%	18.5%	11.2%	8.3%	7.14%	10.03%	12.39%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	10.24	9.915	11.07	-	-	-	-	-
Change	-	-3.2%	11.63%	-	-	-	-	-
Dividend per Share ¹	0.68	0.76	0.88	1.2	1.2	1.187	1.199	1.207
Change	-	11.76%	15.79%	36.36%	0%	-1.06%	1.01%	0.62%
Book Value Per Share ¹	38.5	39.2	43.58	35.2	37.83	40.6	44.12	49.23
Change	-	1.82%	11.17%	-19.23%	7.47%	7.33%	8.67%	11.58%
EPS ¹	4.34	2.88	8.22	5.03	2.98	2.901	4.35	5.819
Change	-	-33.64%	185.42%	-38.81%	-40.76%	-2.65%	49.94%	33.76%
Nbr of stocks (in thousands)	380,069	373,857	346,444	298,647	301,630	304,715	304,715	304,715
Announcement Date	1/22/20	1/22/21	1/21/22	1/20/23	1/19/24	-	-	-