Ally Financial Inc. - Understand $ally stock

$ALLY Market Cap: $11.69 Billion

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Financial Snapshot

Revenue

$6.089B

TTM

Gross Margin

92.96%

TTM

Net Earnings

$774.0M

TTM

Current Assets

Current Liabilities

$5.965B

Q3 2024

Current Ratio

Total Assets

$193.0B

Q3 2024

Total Liabilities

$178.3B

Q3 2024

Book Value

$14.73B

Q3 2024

Cash

$8.616B

Q3 2024

P/E

15.11

Dec 04, 2024 EST

Free Cash Flow

$763.0M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Revenue	$8.214B	$8.428B	$8.206B	$6.686B	$6.394B	$5.804B	$5.765B	$5.437B	$4.861B	$4.651B	$4.263B	$4.465B	$3.412B	$3.745B	$6.202B
YoY Change	-2.54%	2.71%	22.73%	4.57%	10.17%	0.68%	6.03%	11.85%	4.52%	9.1%	-4.52%	30.86%	-8.89%	-39.62%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	$8.214B	$8.428B	$8.206B	$6.686B	$6.394B	$5.804B	$5.765B	$5.437B	$4.861B	$4.651B	$4.263B	$4.465B	$3.412B	$3.745B	$6.202B
Cost Of Revenue	$422.0M	$280.0M	$261.0M	$363.0M	$321.0M	$295.0M	$332.0M	$342.0M	$293.0M	$410.0M	$405.0M	$454.0M	$452.0M	$511.0M	$992.0M
Gross Profit	$7.792B	$8.148B	$7.945B	$6.323B	$6.073B	$5.509B	$5.433B	$5.095B	$4.568B	$4.241B	$3.858B	$4.011B	$2.960B	$3.234B	$5.210B
Gross Profit Margin	94.86%	96.68%	96.82%	94.57%	94.98%	94.92%	94.24%	93.71%	93.97%	91.18%	90.5%	89.83%	86.75%	86.36%	84.01%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development	$436.0M	$406.0M	$345.0M	$314.0M	$311.0M	$299.0M	$284.0M	$274.0M	$267.0M	$334.0M	$346.0M	$317.0M	$342.0M	$320.0M
YoY Change	7.39%	17.68%	9.87%	0.96%	4.01%	5.28%	3.65%	2.62%	-20.06%	-3.47%	9.15%	-7.31%	6.88%
% of Gross Profit	5.6%	4.98%	4.34%	4.97%	5.12%	5.43%	5.23%	5.38%	5.85%	7.88%	8.97%	7.9%	11.55%	9.89%
Depreciation & Amortization	$1.247B	$1.327B	$1.261B	$1.550B	$1.555B	$1.649B	$1.859B	$2.382B	$2.801B	$2.936B	$2.864B	$2.381B	$2.713B	$4.146B	$5.958B	$6.722B	$5.937B	$6.459B	$5.964B	$5.433B	$5.340B	$4.842B	$5.297B	$5.490B	$5.025B
YoY Change	-6.03%	5.23%	-18.65%	-0.32%	-5.7%	-11.3%	-21.96%	-14.96%	-4.6%	2.51%	20.29%	-12.24%	-34.56%	-30.41%	-11.37%	13.22%	-8.08%	8.3%	9.77%	1.74%	10.29%	-8.59%	-3.52%	9.25%	5.08%
% of Gross Profit	16.0%	16.29%	15.87%	24.51%	25.61%	29.93%	34.22%	46.75%	61.32%	69.23%	74.24%	59.36%	91.66%	128.2%	114.36%
Operating Expenses	$436.0M	$406.0M	$345.0M	$314.0M	$311.0M	$299.0M	$284.0M	$274.0M	$267.0M	$334.0M	$346.0M	$317.0M	$342.0M	$320.0M
YoY Change	7.39%	17.68%	9.87%	0.96%	4.01%	5.28%	3.65%	2.62%	-20.06%	-3.47%	9.15%	-7.31%	6.88%
Operating Profit	$7.356B	$7.742B	$7.600B	$6.009B	$5.762B	$5.210B	$5.149B	$4.821B	$4.301B	$3.907B	$3.512B	$3.694B	$2.618B	$2.914B
YoY Change	-4.99%	1.87%	26.48%	4.29%	10.6%	1.18%	6.8%	12.09%	10.08%	11.25%	-4.93%	41.1%	-10.16%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Interest Expense	$6.897B	$2.857B	$1.914B	$3.243B	$4.243B	$3.637B	$2.857B	$2.629B	$2.429B	$2.783B	$3.319B	$4.052B	$4.606B	$4.832B	$7.091B
YoY Change	141.41%	49.27%	-40.98%	-23.57%	16.66%	27.3%	8.67%	8.23%	-12.72%	-16.15%	-18.09%	-12.03%	-4.68%	-31.86%
% of Operating Profit	93.76%	36.9%	25.18%	53.97%	73.64%	69.81%	55.49%	54.53%	56.48%	71.23%	94.5%	109.69%	175.94%	165.82%
Other Income/Expense, Net							$1.544B	$1.530B	$1.142B	$1.276B
YoY Change							0.92%	33.98%	-10.5%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Pretax Income	$1.083B	$2.342B	$3.855B	$1.414B	$1.967B	$1.622B	$1.507B	$1.581B	$1.393B	$1.246B	$357.0M	$514.0M	-$177.0M	-$237.0M	-$6.909B	$4.737B	-$1.806B	$2.228B	$3.479B	$4.256B	$4.384B	$2.941B	$2.799B	$2.556B	$2.487B
YoY Change	-53.76%	-39.25%	172.63%	-28.11%	21.27%	7.63%	-4.68%	13.5%	11.8%	249.02%	-30.54%	-390.4%	-25.32%	-96.57%	-245.85%	-362.29%	-181.06%	-35.96%	-18.26%	-2.92%	49.06%	5.07%	9.51%	2.77%	28.26%
Income Tax	$61.00M	$627.0M	$790.0M	$328.0M	$246.0M	$359.0M	$581.0M	$470.0M	$496.0M	$321.0M	-$59.00M	-$856.0M	$42.00M	$97.00M	$74.00M	-$136.0M	$395.0M	$103.0M	$1.197B	$1.362B	$1.591B	$1.071B	$1.047B	$954.0M	$960.0M
% Of Pretax Income	5.63%	26.77%	20.49%	23.2%	12.51%	22.13%	38.55%	29.73%	35.61%	25.76%	-16.53%	-166.54%				-2.87%		4.62%	34.41%	32.0%	36.29%	36.42%	37.41%	37.32%	38.6%
Net Earnings	$910.0M	$1.604B	$3.060B	$1.085B	$1.715B	$1.263B	$929.0M	$1.067B	$1.289B	$1.150B	$361.0M	$1.196B	-$157.0M	$1.029B	-$10.30B	$1.868B	-$2.332B	$2.125B	$2.282B	$2.894B	$2.793B	$1.870B	$1.786B	$1.602B	$1.527B
YoY Change	-43.27%	-47.58%	182.03%	-36.73%	35.79%	35.95%	-12.93%	-17.22%	12.09%	218.56%	-69.82%	-861.78%	-115.26%	-109.99%	-651.28%	-180.1%	-209.74%	-6.88%	-21.15%	3.62%	49.36%	4.7%	11.49%	4.91%	15.07%
Net Earnings / Revenue	11.08%	19.03%	37.29%	16.23%	26.82%	21.76%	16.11%	19.62%	26.52%	24.73%	8.47%	26.79%	-4.6%	27.48%	-166.04%
Basic Earnings Per Share	$3.00	$5.06	$8.28	$2.89	$4.36	$2.97	$2.05	$2.15	-$2.66	$1.83	-$1.64	$0.96	-$691.00	-$1.039K	-$21.77K
Diluted Earnings Per Share	$2.99	$5.034M	$8.22	$2.88	$4.34	$2.95	$2.04	$2.15	-$2.66	$1.83	-$1.64	$0.96	-$691.00	-$1.039K	-$21.77K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$9.171B	$10.44B	$12.19B	$10.53B	$9.678B	$8.981B	$9.197B	$11.85B	$16.51B	$19.74B	$17.92B	$13.83B	$9.640B	$9.504B	$16.33B	$26.39B				$28.44B	$26.27B	$26.03B	$26.75B	$30.56B	$30.74B
YoY Change	-12.19%	-14.35%	15.84%	8.77%	7.76%	-2.35%	-22.36%	-28.23%	-16.36%	10.16%	29.52%	43.49%	1.43%	-41.8%	-38.12%					8.25%	0.9%	-2.68%	-12.48%	-0.59%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$651.0M	$608.0M	$472.0M	$320.0M	$358.0M	$262.0M	$220.0M													$1.751B	$1.560B	$587.0M	$469.0M
YoY Change	7.07%	28.81%	47.5%	-10.61%	36.64%	19.09%														12.24%	165.76%	25.16%
Other Assets	$2.008B	$1.087B	$254.0M	$94.00M	$58.00M	$317.0M	$461.0M	$994.0M	$1.369B	$2.446B	$2.556B	$32.18B	$1.070B	$690.0M	$6.584B	$0.00
YoY Change	84.73%	327.95%	170.21%	62.07%	-81.7%	-31.24%	-53.62%	-27.39%	-44.03%	-4.3%	-92.06%	2907.1%	55.07%	-89.52%
Total Long-Term Assets
YoY Change
Total Assets	$196.4B	$191.8B	$182.1B	$182.2B	$180.6B	$178.9B	$167.1B	$163.7B	$158.6B	$151.6B	$151.2B	$182.3B	$184.1B	$172.0B	$172.3B	$189.5B	$248.9B	$287.4B	$320.6B	$324.1B	$288.2B	$227.7B	$192.7B	$168.5B	$148.8B
YoY Change
Accounts Payable	$858.0M	$408.0M	$794.0M	$1.014B	$1.176B	$1.039B	$1.121B	$1.000B	$741.0M	$775.0M	$1.302B	$932.0M	$1.587B	$3.096B	$2.912B	$4.103B	$4.223B	$4.436B	$3.057B	$9.353B	$8.121B	$7.979B	$2.381B	$1.766B	$1.551B
YoY Change	110.29%	-48.61%	-21.7%	-13.78%	13.19%	-7.31%	12.1%	34.95%	-4.39%	-40.48%	39.7%	-41.27%	-48.74%	6.32%	-29.03%	-2.84%	-4.8%	45.11%	-67.32%	15.17%	1.78%	235.11%	34.82%	13.86%
Accrued Expenses	$2.731B	$2.648B	$1.538B	$1.163B	$1.101B	$749.0M	$437.0M	$447.0M	$601.0M	$728.0M	$1.310B	$6.585B	$14.66B	$972.0M	$1.125B	$1.990B	$2.893B	$2.325B	$18.22B	$3.934B	$4.065B	$2.915B	$13.92B
YoY Change	3.13%	72.17%	32.24%	5.63%	47.0%	71.4%	-2.24%	-25.62%	-17.45%	-44.43%	-80.11%	-55.09%	1408.64%	-13.6%	-43.47%	-31.21%	24.43%	-87.24%	363.24%	-3.22%	39.45%	-79.05%
Deferred Revenue
YoY Change
Short-Term Debt	$3.297B	$2.399B	$0.00	$2.136B	$2.581B	$3.162B	$4.063B	$4.798B	$4.101B	$4.112B	$8.545B	$7.461B	$7.680B	$6.208B	$10.29B	$10.39B				$55.03B	$43.12B	$38.01B	$36.22B	$57.14B	$51.04B
YoY Change	37.43%		-100.0%	-17.24%	-18.37%	-22.18%	-15.32%	17.0%	-0.27%	-51.88%	14.53%	-2.85%	23.71%	-39.68%	-0.91%					27.61%	13.46%	4.95%	-36.62%	11.94%
Long-Term Debt Due	$4.340B	$4.418B	$5.869B	$5.085B	$9.219B	$8.976B														$37.29B	$34.28B	$27.43B	$22.01B	$18.60B	$15.00B
YoY Change	-1.77%	-24.72%	15.42%	-44.84%	2.71%															8.79%	24.97%	24.62%	18.33%	24.05%
Total Short-Term Liabilities	$6.886B	$3.056B	$8.201B	$7.262B	$11.50B	$10.76B	$1.558B	$1.447B	$1.342B	$1.503B	$2.612B	$7.517B	$16.25B	$4.068B	$4.793B	$6.599B	$7.541B	$7.010B	$21.28B	$50.64B	$46.86B	$40.17B	$38.31B	$21.18B	$17.07B
YoY Change	125.33%	-62.74%	12.93%	-36.83%	6.8%	590.89%	7.67%	7.82%	-10.71%	-42.46%	-65.25%	-53.74%	299.48%	-15.13%	-27.37%	-12.49%	7.57%	-67.06%	-57.98%	8.07%	16.64%	4.87%	80.91%	24.06%
Long-Term Debt	$17.57B	$17.76B	$11.16B	$16.92B	$24.81B	$35.22B	$44.23B	$54.13B	$66.23B	$66.38B	$69.47B	$74.56B	$92.89B	$86.61B	$88.02B	$115.9B	$193.1B	$237.0B	$254.7B	$176.6B	$161.5B	$117.8B	$93.81B	$57.86B	$55.32B
YoY Change	-1.08%	59.16%	-34.05%	-31.79%	-29.56%	-20.37%	-18.29%	-18.28%	-0.22%	-4.44%	-6.83%	-19.73%	7.24%	-1.6%	-24.08%	-39.98%	-18.5%	-6.95%	44.19%	9.4%	37.07%	25.57%	62.14%	4.57%
Other Long-Term Liabilities	$3.541B	$3.453B	$4.135B	$4.015B	$3.641B	$3.455B	$3.201B	$3.141B	$2.987B	$3.084B	$2.987B	$25.00B	$2.913B	$14.28B	$16.30B	$14.34B	$31.44B	$25.87B	$18.53B	$15.66B	$12.84B	$10.26B	$4.375B	$14.69B	$10.74B
YoY Change	2.55%	-16.49%	2.99%	10.27%	5.38%	7.94%	1.91%	5.16%	-3.15%	3.25%	-88.05%	758.05%	-79.61%	-12.39%	13.71%	-54.39%	21.5%	39.64%	18.3%	22.0%	25.16%	134.45%	-70.22%	36.82%
Total Long-Term Liabilities	$21.11B	$21.22B	$15.30B	$20.94B	$28.45B	$38.67B	$47.43B	$57.27B	$69.22B	$69.46B	$72.45B	$99.56B	$95.80B	$100.9B	$104.3B	$130.3B	$224.6B	$262.9B	$273.2B	$192.3B	$174.3B	$128.1B	$98.18B	$72.55B	$66.06B
YoY Change	-0.49%	38.71%	-26.94%	-26.41%	-26.44%	-18.46%	-17.19%	-17.27%	-0.35%	-4.12%	-27.22%	3.92%	-5.05%	-3.29%	-19.92%	-41.99%	-14.56%	-3.8%	42.08%	10.33%	36.12%	30.42%	35.33%	9.82%
Total Liabilities	$182.7B	$179.0B	$165.1B	$167.5B	$166.2B	$165.6B	$153.7B	$150.4B	$145.1B	$136.2B	$137.0B	$162.4B	$164.8B	$151.5B	$151.5B	$167.6B	$233.4B	$270.9B	$298.9B	$301.7B	$267.9B	$209.9B	$176.6B	$154.4B	$137.7B
YoY Change	2.07%	8.42%	-1.43%	0.74%	0.38%	7.78%	2.16%	3.63%	6.54%	-0.53%	-15.69%	-1.41%	8.75%	0.03%	-9.64%	-28.17%	-13.84%	-9.37%	-0.94%	12.61%	27.65%	18.86%	14.35%	12.18%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Basic Shares Outstanding	303.8M shares	316.7M shares	362.6M shares	375.6M shares	393.2M shares	425.2M shares	453.7M shares	481.1M shares	482.9M shares	481.2K shares	420.2M shares	412.6M shares	1.331M shares	800.6K shares	529.4K shares
Diluted Shares Outstanding	305.1M shares	318.6M shares	365.2M shares	377.1M shares	395.4M shares	427.7M shares	455.4M shares	482.2M shares	482.9M shares	481.9K shares	420.2M shares	412.6M shares	1.331M shares	800.6K shares	529.4K shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $11.692 Billion

About Ally Financial Inc.

Ally Financial, Inc. engages in the provision of online banking, securities brokerage, and investment advisory services. The company is headquartered in Detroit, Michigan and currently employs 11,100 full-time employees. The company went IPO on 2014-04-10. The firm's segments include Automotive Finance operations, Insurance operations, Mortgage Finance operations, and Corporate Finance operations. The Automotive Finance operations segment is engaged in providing services, such as retail installment sales contracts, loans and operating leases, offering term loans to dealers, financing dealer floorplans and other lines of credit to dealers, and other services. Insurance operations is a complementary automotive-focused business offering both consumer finance protection and insurance products sold primarily through the automotive dealer channel, and commercial insurance products sold directly to dealers. The Mortgage Finance operations segment includes its direct-to-consumer Ally Home mortgage offering and bulk purchases of jumbo and LMI mortgage loans originated by third parties. The Corporate Finance operations segment provides senior secured asset-based and leveraged cash flow loans.

Industry: State Commercial Banks Peers: AMERICAN EXPRESS CO CAPITAL ONE FINANCIAL CORP CREDIT ACCEPTANCE CORP Discover Financial Services FirstCash Holdings, Inc. OneMain Holdings, Inc. SoFi Technologies, Inc. Synchrony Financial