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Ally Financial (ALLY)

(Delayed Data from NYSE)

$37.56 USD

-0.46 (-1.21%)

Updated Nov 8, 2024 04:00 PM ET

After-Market: $37.56 0.00 (0.00%) 7:58 PM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank	Definition	Annualized Return
1	Strong Buy	24.10%
2	Buy	17.80%
3	Hold	9.50%
4	Sell	2.70%
5	Strong Sell	2.70%
S&P	500	11.20%

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5-Strong Sell of 5 5

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score	A
Growth Score	A
Momentum Score	A
VGM Score	A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

Zacks Style Scores Education - Learn more about the Zacks Style Scores

A Value D Growth B Momentum C VGM

Industry Rank:

Bottom 40% (151 out of 251)

Industry: Financial - Consumer Loans

View All Zacks #1 Ranked Stocks

Research for ALLY

Annual Key Company Metrics
Quarterly Key Company Metrics

Revenue - Line of Business Segments	YR Estimate	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Total net revenue: Automotive Fin...		5,682	5,530	5,460	4,488	4,390
Total net revenue: Insurance [$M]		1,545	1,112	1,404	1,376	1,328
Total net revenue: Mortgage Finan...		227	248	218	220	193
Total net revenue: Corporate Fina...		501	456	436	344	284
Total net revenue: Corporate and ...		259	1,082	688	258	199
Net financing revenue [$M]		--	--	--	--	--
Revenue: Automotive Finance opera...		5,361	5,224	5,209	4,284	--
Revenue: Automotive Finance opera...		321	306	251	204	--
Revenue: Insurance operations: Ne...		117	89	59	42	--
Revenue: Insurance operations: Ot...		1,428	1,023	1,345	1,334	--
Revenue: Mortgage Finance operati...		211	221	124	118	--
Revenue: Mortgage Finance operati...		16	27	94	102	--
Revenue: Corporate Finance operat...		397	334	308	299	--
Revenue: Corporate Finance operat...		104	122	128	45	--
Revenue: Corporate and Other: Net...		115	982	467	-40	--
Revenue: Corporate and Other: Oth...		144	100	221	298	--
Net Financing Revenue (excluding ...	--	6,249	6,892	--	--	--
Other (loss) / gain on investment...		144	-120	285	307	243
Interest and fees on finance rece...		11,020	8,099	6,468	6,581	7,337
Interest on loans held-for-sale [...		34	31	18	17	17
Total interest and dividends on i...		1,022	841	600	736	955
Interest-bearing cash [$M]		332	54	15	28	78
Operating leases [$M]		1,550	1,596	1,550	1,435	1,470
Total financing revenue and other...		13,958	10,621	8,651	8,797	9,857
Insurance premiums and service re...		1,271	1,151	1,117	1,103	1,087
Gain on mortgage and automotive l...		16	52	87	110	28
Other income, net of losses [$M]		582	495	686	565	405
Total other revenue [$M]		2,013	1,578	2,039	1,983	1,761
Income - Line of Business	YR Estimate	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Pre-tax Income: Automotive Financ...		1,614	--	--	--	--
Pre-tax Income: Insurance [$M]		--	--	--	--	--
Pre-tax Income: Corporate Finance...		--	--	--	--	--
Pre-tax Income: Mortgage Finance ...		--	--	--	--	--
Pre-tax Income: Corporate and Oth...		--	--	--	--	--
NFM - Operating & Non Financial Metrics	YR Estimate	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Efficiency Ratio [%]		63	56	50	57	54
Net interest margin (as reported)...		3	4	4	3	--
Net charge-offs to average financ...		1	1	0	1	1
Non-performing loans (NPLs) [$M]		1,394	1,454	1,436	1,522	1,036
Total interest-earning assets (Av...		186,616	177,733	174,073	177,155	173,732
Tier 1 Capital Ratio [%]		11	11	12	12	11
Total Capital Ratio [%]		12	12	13	14	13
Book value per share [$]	--	38	35	44	39	--

Revenue - Line of Business Segments	Qtr Estimate	09/30/2024	06/30/2024	03/31/2024	12/31/2023	09/30/2023
Total net revenue: Automotive Fin...		1,370	1,407	1,411	1,412	1,439
Total net revenue: Insurance [$M]		468	368	413	450	322
Total net revenue: Mortgage Finan...		58	58	58	54	57
Total net revenue: Corporate Fina...		138	134	134	128	121
Total net revenue: Corporate and ...		69	33	-30	23	29
Net financing revenue [$M]		--	1,495	1,456	--	--
Revenue: Automotive Finance opera...		1,285	1,314	1,314	1,330	1,360
Revenue: Automotive Finance opera...		85	93	97	82	79
Revenue: Insurance operations: Ne...		31	30	29	33	29
Revenue: Insurance operations: Ot...		437	338	384	417	293
Revenue: Mortgage Finance operati...		52	53	52	51	53
Revenue: Mortgage Finance operati...		6	5	6	3	4
Revenue: Corporate Finance operat...		101	104	111	105	97
Revenue: Corporate Finance operat...		37	30	23	23	24
Revenue: Corporate and Other: Net...		19	-6	-50	-26	-6
Revenue: Corporate and Other: Oth...		50	39	20	49	35
Net Financing Revenue (excluding ...		--	1,509	1,469	1,506	--
Other (loss) / gain on investment...		74	-7	29	85	-41
Interest and fees on finance rece...		2,889	2,845	2,827	2,887	2,837
Interest on loans held-for-sale [...		5	7	36	5	7
Total interest and dividends on i...		262	265	266	270	267
Interest-bearing cash [$M]		102	88	97	90	99
Operating leases [$M]		316	333	356	371	385
Total financing revenue and other...		3,574	3,538	3,582	3,623	3,595
Insurance premiums and service re...		359	341	345	335	320
Gain on mortgage and automotive l...		6	6	6	3	4
Other income, net of losses [$M]		176	165	150	151	152
Total other revenue [$M]		615	505	530	574	435
Income - Line of Business	Qtr Estimate	09/30/2024	06/30/2024	03/31/2024	12/31/2023	09/30/2023
Pre-tax Income: Automotive Financ...		175	407	322	294	377
Pre-tax Income: Insurance [$M]		102	-42	70	129	-16
Pre-tax Income: Corporate Finance...		95	98	90	79	84
Pre-tax Income: Mortgage Finance ...		27	27	25	24	26
Pre-tax Income: Corporate and Oth...	--	-166	-233	-336	-462	-243
NFM - Operating & Non Financial Metrics	Qtr Estimate	09/30/2024	06/30/2024	03/31/2024	12/31/2023	09/30/2023
Efficiency Ratio [%]		58	64	66	69	63
Net interest margin (as reported)...		3	3	3	3	3
Net charge-offs to average financ...		2	1	2	2	1
Non-performing loans (NPLs) [$M]		1,490	1,215	1,252	1,394	1,501
Total interest-earning assets (Av...		183,789	183,670	186,930	186,956	187,920
Tier 1 Capital Ratio [%]		11	11	11	11	11
Total Capital Ratio [%]		13	13	13	12	12
Book value per share [$]		41	38	37	38	35

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