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About The Company

CEO

Mr. Jeffrey J. Brown

Market Cap

11.90 Billion USD

Sector

Financial Services

Website

https://www.ally.com

Last Update

2/22/2024, 12:00:00 PM

Description

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada.

Read More

Overview

Value

67

Growth

26

Health

54

Management

18

Analyst Opinion

69

Total

47

All Scores Out Of 100

Best Features

  • Has a history of share buybacks
  • Price-to-earnings ratio of 12.6 is lower than the market average (19.6x)
  • Has a margin-of-safety above fair value

Risk Factors

  • Earnings have declined recently
  • Altman-Z score suggests a risk of bankruptcy
  • Disliked by Twitter users
  • Poor earnings and cashflow growth

Market Peers

ALLY

Key Figures

PE Ratio (TTM)

12.57

Margin Of Safety (DCF)

95.17%

Revenue Growth (5 Year Average)

1.93%

Ratings Consensus

Buy

Share Buybacks

1.58%

Dividend Yeild (TTM)

4.18%

Valuation

Value Score

67

  • Price-to-earnings ratio of 12.6 is lower than the market average (19.6x)
  • Free-cashflow-yeild of 16.66% is better than the market average (4.7%)
  • Margin-of-safety of 95.17% is better than the market average (17.95%)
  • Estimated intrinsic-value of 73.36 USD is higher than current price ( 39.14 USD)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 80.2 USD

Current Price: 37.6 USD

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

12.57x

Free Cashflow Yeild

16.66%

PE/Earnings Growth

N/A

Price/Book

0.83x

Growth

Growth Score

26

  • 5 Year Average Revenue growth of 1.93% is lower than the market average (10.97%)
  • Revenue growth has slowed this year
  • 5 Year Average Earnings growth of 4.86% is lower than the market average (14.48%)
  • Earnings growth has slowed this year
  • 5 Year Average Free Cashflow growth of 0.49% is lower than the market average (12.35%)
  • Free Cashflow growth has slowed this year

Revenue Growth

1.93%

Earnings Growth

4.86%

Cashflow Growth

0.49%

Health

Health Score

54

  • Assets cover liabilities
  • Normal operation does not require debt to be sustainable
  • Altman-Z score suggests a risk of bankruptcy
  • Has a high level of debt
  • Debt repayments significantly impact cashflow

Altman Z Score

0.23

Piostroski Score

5.00

Debt/Equity

1.47x

Current Assets/Liabilities

7.09x

Free Cashflow/Total Debt

0.00x

Debt/Capital

0.73x

Dividend

Secure Dividend Score

52

  • Dividend yeild of 4.18% is more than the market average (1.85%)
  • Dividend is likely safe
  • Long term dividend payout ratio of 26.16% is considered good
  • Dividends have shown growth over the last 5 years
  • Payout ratio (TTM) of 46.86% is higher than the average (40%)
  • Spending a higher percentage of their income on dividends than last 5 years

Dividend Yeild

4.18%

Dividend Growth

0.85%

Payout Ratio (Earnings)

46.86%

Payout Ratio (Cashflow)

25.11%

Management

Management Score

18

  • Has repurchased shares when value is good
  • Has a history of returning value to shareholders through stock buybacks
  • Has returned higher dividends when earnings have risen
  • Return-on-capital-employed of 0.35% is lower than the market average (10%)
  • Return-on-equity of 0.35% is lower than the market average (15%)

Average Buybacks/Dilution

1.58%

Recent Buybacks/Dilution

-0.90%

5 Year Price Volitility

30.54%

Return On Assets

0.02%

Return On Capital Employed

0.35%

Return On Equity

0.35%

Return On Free Cashflow

N/A

Return On Investments

0.10%

Social Sentiment

Social Sentiment Score

0

Twitter Sentiment

N/A

Stocktwits Sentiment

N/A

Analysts

Analyst Opinion

69

  • Ratings consensus is Buy

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

Ally Financial Inc.

Currency

USD

Beta

1.304644

Vol Avg

4300426

Ceo

Mr. Jeffrey J. Brown

Cik

0000040729

Cusip

02005N100

Exchange

New York Stock Exchange

Full Time Employees

11600

Industry

Credit Services

Sector

Financial Services

Ipo Date

2014-01-28

Address

Ally Detroit Center

City

Detroit

State

MI

Country

US

Zip

48226

Phone

866 710 4623

Analysis Last Updated

2/22/2024, 12:00:00 PM

All financial data provided by FMP

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