Ally Financial Inc. provides various financial products and services to consumers, businesses, automotive dealers, and corporate customers primarily in the United States and Canada.
Undervalued with proven track record.
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: 0HD0 has not had significant price volatility in the past 3 months.
7 Day Return
GB Consumer Finance
1 Year Return
GB Consumer Finance
Return vs Industry: 0HD0 exceeded the UK Consumer Finance industry which returned -38.8% over the past year.
Return vs Market: 0HD0 exceeded the UK Market which returned 1.4% 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: 0HD0 ($33.06) is trading below our estimate of fair value ($88.78)
Significantly Below Fair Value: 0HD0 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 0HD0 is good value based on its PE Ratio (6x) compared to the Consumer Finance industry average (12x).
PE vs Market: 0HD0 is good value based on its PE Ratio (6x) compared to the UK market (17.7x).
Price to Earnings Growth Ratio
PEG Ratio: 0HD0's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: 0HD0 is good value based on its PB Ratio (0.7x) compared to the GB Consumer Finance industry average (1.6x).
How is Ally Financial forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0HD0's earnings are forecast to decline over the next 3 years (-5.7% per year).
Earnings vs Market: 0HD0's earnings are forecast to decline over the next 3 years (-5.7% per year).
High Growth Earnings: 0HD0's earnings are forecast to decline over the next 3 years.
Revenue vs Market: 0HD0's revenue (4.8% per year) is forecast to grow faster than the UK market (3.8% per year).
High Growth Revenue: 0HD0's revenue (4.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0HD0's Return on Equity is forecast to be low in 3 years time (10.7%).
How has Ally Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0HD0 has high quality earnings.
Growing Profit Margin: 0HD0's current net profit margins (27%) are higher than last year (21.8%).
Past Earnings Growth Analysis
Earnings Trend: 0HD0's earnings have grown significantly by 45.2% per year over the past 5 years.
Accelerating Growth: 0HD0's earnings growth over the past year (36.3%) is below its 5-year average (45.2% per year).
Earnings vs Industry: 0HD0 earnings growth over the past year (36.3%) exceeded the Consumer Finance industry 9.2%.
Return on Equity
High ROE: 0HD0's Return on Equity (11.9%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: 0HD0 has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0HD0's debt is covered by short term assets (assets are 2.9x debt).
Financial Institutions Analysis
Asset Level: 0HD0's level of assets compared to its equity is moderate.
Allowance for Bad Loans: Insufficient data to determine if 0HD0 has a sufficient allowance for bad loans.
Low Risk Liabilities: 0HD0 reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if 0HD0 has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0HD0 has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if 0HD0 has an appropriate level of bad loans.
What is Ally Financial's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: 0HD0's dividend (2.91%) is higher than the bottom 25% of dividend payers in the UK market (1.9%).
High Dividend: 0HD0's dividend (2.91%) is low compared to the top 25% of dividend payers in the UK market (5.34%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, 0HD0 has been paying a dividend for less than 10 years.
Growing Dividend: 0HD0's dividend payments have increased, but the company has only paid a dividend for 4 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (15.5%), 0HD0's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0HD0's dividends in 3 years are forecast to be well covered by earnings (17.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
JB Brown (46yo)
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 ($USD9.59M) is above average for companies of similar size in the UK market ($USD4.70M).
Compensation vs Earnings: JB's compensation has been consistent with company performance over the past year.
|CEO & Director||5yrs||US$9.59m||no data|
|Chief Financial Officer||1.9yrs||US$3.21m||0.029% $2.9m|
|General Counsel||3.8yrs||US$2.09m||0.030% $3.1m|
|President of Auto Finance||6.1yrs||US$2.11m||0.040% $4.1m|
|President of Consumer & Commercial Banking Products||0yrs||US$3.48m||0.067% $6.9m|
|VP, Controller & Chief Accounting Officer||12.4yrs||no data||0.029% $3.0m|
|Chief Information||0.08yrs||no data||no data|
|Executive Director of Investor Relations||0yrs||no data||no data|
|Chief Compliance Officer||9.3yrs||no data||no data|
|Chief Marketing & Public Relations Officer||0yrs||no data||no data|
Experienced Management: 0HD0's management team is seasoned and experienced (5 years average tenure).
|CEO & Director||5yrs||US$9.59m||no data|
|Non-Executive Chairman of the Board||10.8yrs||US$535.55k||0.0013% $137.5k|
|Independent Director||5yrs||US$308.41k||no data|
|Independent Director||9.8yrs||US$265.02k||0.00072% $73.9k|
|Independent Director||3.7yrs||US$301.02k||no data|
|Independent Director||10.8yrs||US$315.02k||no data|
|Independent Director||4.6yrs||US$271.09k||0.015% $1.5m|
|Independent Director||5.6yrs||US$287.69k||0.0011% $109.8k|
|Independent Director||10.8yrs||US$281.12k||0.0040% $411.4k|
|Independent Director||4.6yrs||US$295.02k||0.00053% $54.4k|
Experienced Board: 0HD0's board of directors are considered experienced (5.3 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: 0HD0
- Exchange: LSE
- Founded: 1919
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$10.260b
- Shares outstanding: 374.33m
- 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|
Ally Financial Inc. provides various financial products and services to consumers, businesses, automotive dealers, and corporate customers primarily in the United States and Canada. It operates through Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations segments. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans, other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also offers financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment provides consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. The Mortgage Finance Operations segment manages held-for-investment consumer mortgage finance loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment offers senior secured leveraged cash flow and asset-based loans to middle market companies. It primarily focuses on businesses owned by private equity sponsors with loans used for leveraged buyouts, mergers and acquisitions, debt refinancing, restructurings, and working capital. The company, through its subsidiary, Ally Bank, also provides commercial banking products and services. In addition, it offers digital securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is headquartered in Detroit, Michigan.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/25 23:13|
|End of Day Share Price||2020/02/17 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.