Ally Financial Inc., a bank holding company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada.
Flawless balance sheet and undervalued.
Share Price & News
How has Ally Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: GMZ's share price has been volatile over the past 3 months.
7 Day Return
DE Consumer Finance
1 Year Return
DE Consumer Finance
Return vs Industry: GMZ underperformed the German Consumer Finance industry which returned -26.4% over the past year.
Return vs Market: GMZ underperformed the German Market which returned 8% over the past year.
Price Volatility Vs. Market
How volatile is Ally Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Ally Financial undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: GMZ (€17.8) is trading below our estimate of fair value (€24.86)
Significantly Below Fair Value: GMZ is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: GMZ is poor value based on its PE Ratio (11.7x) compared to the XE Consumer Finance industry average (6.8x).
PE vs Market: GMZ is good value based on its PE Ratio (11.7x) compared to the German market (21.1x).
Price to Earnings Growth Ratio
PEG Ratio: GMZ is good value based on its PEG Ratio (0.1x)
Price to Book Ratio
PB vs Industry: GMZ is good value based on its PB Ratio (0.6x) compared to the XE Consumer Finance industry average (0.9x).
How is Ally Financial forecast to perform in the next 1 to 3 years based on estimates from 13 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: GMZ's forecast earnings growth (78.2% per year) is above the savings rate (0.2%).
Earnings vs Market: GMZ's earnings (78.2% per year) are forecast to grow faster than the German market (23.3% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: GMZ's revenue (7.1% per year) is forecast to grow faster than the German market (5.8% per year).
High Growth Revenue: GMZ's revenue (7.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: GMZ's Return on Equity is forecast to be low in 3 years time (9.1%).
How has Ally Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GMZ has high quality earnings.
Growing Profit Margin: GMZ's current net profit margins (12.4%) are lower than last year (26.6%).
Past Earnings Growth Analysis
Earnings Trend: GMZ has become profitable over the past 5 years, growing earnings by 47.5% per year.
Accelerating Growth: GMZ's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: GMZ had negative earnings growth (-57.8%) over the past year, making it difficult to compare to the Consumer Finance industry average (3.1%).
Return on Equity
High ROE: GMZ's Return on Equity (5%) is considered low.
How is Ally Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: GMZ's Assets to Equity ratio (13.3x) is moderate.
Allowance for Bad Loans: GMZ has a sufficient allowance for bad loans (219%).
Low Risk Liabilities: 77% of GMZ's liabilities are made up of primarily low risk sources of funding.
Loan Level: GMZ has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: GMZ's Loans to Deposits ratio (88%) is appropriate.
Level of Bad Loans: GMZ has an appropriate level of bad loans (1.3%).
What is Ally Financial current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: GMZ's dividend (3.6%) is higher than the bottom 25% of dividend payers in the German market (1.24%).
High Dividend: GMZ's dividend (3.6%) is low compared to the top 25% of dividend payers in the German market (3.81%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, GMZ has been paying a dividend for less than 10 years.
Growing Dividend: GMZ's dividend payments have increased, but the company has only paid a dividend for 4 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (40%), GMZ's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: GMZ's dividends in 3 years are forecast to be well covered by earnings (21.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
JB Brown (47 yo)
Mr. Jeffrey J. Brown, also known as JB, has been the Chief Executive Officer of Ally Financial Inc. since February 2, 2015. He serves as Director at Ally Bank Corp. Mr. Brown served as the Chief Executive ...
CEO Compensation Analysis
Compensation vs Market: JB's total compensation ($USD10.64M) is above average for companies of similar size in the German market ($USD3.68M).
Compensation vs Earnings: JB's compensation has been consistent with company performance over the past year.
|CEO & Director||5.5yrs||US$10.64m||no data|
|Chief Financial Officer||2.42yrs||US$3.32m||0.0068% |
|General Counsel||4.25yrs||US$2.31m||0.014% |
|President of Auto Finance||6.58yrs||US$3.53m||0.039% |
|President of Consumer & Commercial Banking Products||no data||US$3.63m||0.041% |
|VP, Controller & Chief Accounting Officer||12.92yrs||no data||0.029% |
|Chief Information||0.58yr||no data||no data|
|Executive Director of Investor Relations||no data||no data||no data|
|Chief Compliance Officer||9.83yrs||no data||no data|
|Chief Marketing & Public Relations Officer||no data||no data||no data|
|Chief Human Resources Officer||4yrs||no data||no data|
|Senior Managing Director of Healthcare Capital||5.92yrs||no data||no data|
Experienced Management: GMZ's management team is seasoned and experienced (5.5 years average tenure).
|CEO & Director||5.5yrs||US$10.64m||no data|
|Independent Non-Executive Chairman of the Board||11.25yrs||US$395.07k||0.0040% |
|Independent Director||5.5yrs||US$305.02k||0.011% |
|Independent Director||10.25yrs||US$265.02k||0.00072% |
|Independent Director||4.17yrs||US$305.02k||no data|
|Independent Director||11.25yrs||US$315.02k||0.012% |
|Independent Director||5.08yrs||US$265.10k||0.0034% |
|Independent Director||6.08yrs||US$285.02k||0.0011% |
|Independent Director||11.25yrs||US$265.02k||0.0080% |
|Independent Director||2yrs||US$265.10k||no data|
|Independent Director||5.08yrs||US$295.02k||0.00053% |
|Independent Director||2yrs||US$265.02k||no data|
Experienced Board: GMZ's board of directors are considered experienced (5.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Ally Financial Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Ally Financial Inc.
- Ticker: GMZ
- Exchange: DB
- Founded: 1919
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$7.955b
- Listing Market Cap: US$6.759b
- Shares outstanding: 373.84m
- Website: https://www.ally.com
Number of Employees
- Ally Financial Inc.
- Ally Detroit Center
- Floor 10
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ALLY||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Jan 2014|
|GMZ||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jan 2014|
|0HD0||LSE (London Stock Exchange)||Yes||Common Stock||GB||USD||Jan 2014|
|ALLY1 *||BMV (Bolsa Mexicana de Valores)||Yes||Common Stock||MX||MXN||Jan 2014|
Ally Financial Inc., a bank holding company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/06 22:12|
|End of Day Share Price||2020/08/06 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.