Ally Financial Inc. chart

Last update: 2022-12-30
Key statistics and financials
Revenue per share 24.94
Dividend & YieldN/A£ (N/A)
Beta 1.32
Market capitalization 113.65M
Operating cash flow N/A
ESG Scores 22.2

Company 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. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. 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 and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage 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 provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides 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 based in Detroit, Michigan.

Sector: - Industry:

Financial data

Financial Statements

Cashflow Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Change To Liabilities 330M 179M 242M 120M
Total Cashflows From Investing Activities -14.51B -3.77B 8.43B -11.1B
Net Borrowings -965M -14.77B -15.84B -8.31B
Total Cash From Financing Activities 10.72B -1.53B 25M -3.85B
Change To Operating Activities 32M -140M -274M -256M
Issuance Of Stock
Net Income 1.26B 1.72B 1.08B 3.06B
Change In Cash 357M -1.25B 12.19B -10.9B
Effect Of Exchange Rate -5M 3M 3M
Total Cash From Operating Activities 4.15B 4.05B 3.74B 4.04B
Depreciation 624M 574M 699M 691M
Change To Account Receivables
Other Cashflows From Financing Activities 12.87B 14.55B 16.26B 4.51B
Change To Netincome 786M 672M 1.01B -487M
Capital Expenditures -3.71B -4.02B -4.32B -5.12B

Income Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Research Development
Income Before Tax 1.62B 1.97B 1.41B 3.85B
Net Income 1.26B 1.72B 1.08B 3.06B
Selling General Administrative 2.4B 2.44B 2.46B 2.52B
Gross Profit 5.91B 6.38B 6.2B 8.67B
Ebit
Operating Income 1.62B 1.97B 1.57B 3.99B
Interest Expense
Income Tax Expense 359M 246M 328M 790M
Total Revenue 5.91B 6.38B 6.2B 8.67B
Cost Of Revenue
Total Other Income ExpenseNet -1M -2M -152M -136M
Net Income From Continuing Ops 1.26B 1.72B 1.09B 3.06B
Net Income Applicable To Common Shares 1.26B 1.72B 1.08B 3B

Balance Sheet Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Total Liabilities 165.6B 166.23B 167.46B 165.06B
Total Stockholder Equity 13.27B 14.42B 14.7B 14.73B
Other Current Liabilities 41M 48M 6M 5M
Total Assets 178.87B 180.64B 182.16B 182.11B
Common Stock 21.34B 21.44B 21.54B 21.67B
Other Current Assets 2B 1.57B 2.06B 1.76B
Retained Earnings -5.49B -4.06B -4.28B -1.6B
Treasury Stock -2.59B -2.96B -2.56B -5.35B
Cash 4.54B 3.56B 15.62B 5.06B
Total Current Liabilities 117.54B 127.81B 140.54B 142.97B
Other Stockholder Equity -539M 123M 631M -158M
Property, Plant, and Equipment 8.98B 9.68B 10.53B 12.19B
Total Current Assets 7.52B 6.08B 18.62B 7.7B
Net Tangible Assets 12.97B 13.95B 14.31B 13.78B
Net Receivables 409M 333M 379M 328M
Accounts Payable 106.69B 121.29B 137.64B 142.14B


Insider Transactions

Here are the insider transactions of stock shares related to Ally Financial Inc.:

Filer Name Transaction Text Ownership Date Filer Relation Shares
MAGNER MARJORIEPurchase at price 27.43 per share.D2022-10-25Director2k
GOLDMAN MELISSAStock Award(Grant) at price 0.00 per share.D2022-10-06Director1.17k
REILLY DAVIDStock Award(Grant) at price 0.00 per share.D2022-10-06Director1.17k
GOLDMAN MELISSAStock Award(Grant) at price 0.00 per share.D2022-07-08Director629
REILLY DAVIDStock Award(Grant) at price 0.00 per share.D2022-07-08Director629
BREAKIRON-EVANS MAUREENStock Award(Grant) at price 39.58 per share.D2022-05-13Director3.66k
SHARPLES BRIAN HStock Award(Grant) at price 39.58 per share.D2022-05-13Director3.66k
MAGNER MARJORIEStock Award(Grant) at price 39.58 per share.D2022-05-13Director3.66k
FENNEBRESQUE KIM SStock Award(Grant) at price 39.58 per share.D2022-05-13Director3.66k
CLARK MAYREE C.Stock Award(Grant) at price 39.58 per share.D2022-05-13Director3.66k
HOBBS FRANKLIN W IVStock Award(Grant) at price 39.58 per share.D2022-05-13Director5.94k
BACON KENNETH JStock Award(Grant) at price 39.58 per share.D2022-05-13Director3.66k
CARY WILLIAM HStock Award(Grant) at price 39.58 per share.D2022-05-13Director3.66k
STEIB MICHAEL FStock Award(Grant) at price 39.58 per share.D2022-05-13Director3.66k
GOLDMAN MELISSAStock Award(Grant) at price 39.58 per share.D2022-05-13Director3.66k
REILLY DAVIDStock Award(Grant) at price 39.58 per share.D2022-05-13Director3.66k
SCHUGEL JASON E.Sale at price 45.00 per share.D2022-04-19Officer2.5k
TIMMERMAN DOUGLAS R.Sale at price 49.21 per share.D2022-03-01Divisional Officer2.92k
SCHUGEL JASON E.Sale at price 49.21 per share.D2022-03-01Officer2.5k
MORAIS DIANE ESale at price 47.78 per share.D2022-02-01Officer4.12k
TIMMERMAN DOUGLAS R.Sale at price 47.78 per share.D2022-02-01Officer2.92k
SCHUGEL JASON E.Sale at price 47.78 per share.D2022-02-01Officer2.5k
DEBRUNNER DAVID J.Stock Award(Grant) at price 46.77 per share.D2022-01-28Officer11.65k
STENGEL SCOTT AStock Award(Grant) at price 46.77 per share.D2022-01-28General Counsel15.82k
BROWN JEFFREY JONATHANStock Award(Grant) at price 46.77 per share.D2022-01-28Chief Executive Officer97.39k
MORAIS DIANE EStock Award(Grant) at price 46.77 per share.D2022-01-28Officer28.96k
LACLAIR JENNIFER A.Stock Award(Grant) at price 46.77 per share.D2022-01-28Chief Financial Officer28.96k
TIMMERMAN DOUGLAS R.Stock Award(Grant) at price 46.77 per share.D2022-01-28Officer29.93k
SCHUGEL JASON E.Stock Award(Grant) at price 46.77 per share.D2022-01-28Officer13.57k
HOBBS FRANKLIN W IVStock Award(Grant) at price 0.00 per share.D2022-01-07Director447
BLAKE KATRYN SHINEMANStock Award(Grant) at price 0.00 per share.D2022-01-07Director683
STENGEL SCOTT ASale at price 50.01 per share.D2022-01-07General Counsel1.38k
STENGEL SCOTT ASale at price 50.01 per share.D2022-01-05General Counsel11.12k
BROWN JEFFREY JONATHANSale at price 48.21 per share.D2022-01-03Chief Executive Officer12k
MORAIS DIANE ESale at price 48.00 per share.D2022-01-03Officer4.12k
TIMMERMAN DOUGLAS R.Sale at price 48.00 per share.D2022-01-03Officer2.92k
SCHUGEL JASON E.Sale at price 48.00 per share.D2022-01-03Officer2.5k
BROWN JEFFREY JONATHANSale at price 46.42 per share.D2021-12-01Chief Executive Officer15k
MORAIS DIANE ESale at price 46.67 per share.D2021-12-01Officer4.12k
TIMMERMAN DOUGLAS R.Sale at price 46.67 per share.D2021-12-01Officer2.92k
SCHUGEL JASON E.Sale at price 46.67 per share.D2021-12-01Officer2.5k
MORAIS DIANE ESale at price 48.10 per share.D2021-11-01Officer4.12k
TIMMERMAN DOUGLAS R.Sale at price 48.10 per share.D2021-11-01Officer2.92k
SCHUGEL JASON E.Sale at price 48.10 per share.D2021-11-01Officer2.5k
LACLAIR JENNIFER A.Sale at price 55.00 per share.D2021-10-15Chief Financial Officer1.5k
HOBBS FRANKLIN W IVStock Award(Grant) at price 0.00 per share.D2021-10-07Director417
BLAKE KATRYN SHINEMANStock Award(Grant) at price 0.00 per share.D2021-10-07Director637
MORAIS DIANE ESale at price 51.41 per share.D2021-10-01Officer4.12k
LACLAIR JENNIFER A.Sale at price 51.41 per share.D2021-10-01Chief Financial Officer3.33k
TIMMERMAN DOUGLAS R.Sale at price 51.41 per share.D2021-10-01Officer2.92k
SCHUGEL JASON E.Sale at price 51.41 per share.D2021-10-01Officer2.5k

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to Ally Financial Inc.. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on Ally Financial Inc.

Here is the result of two systematic investment strategies applied to Ally Financial Inc.. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on Ally Financial Inc.

The following chart shows the equity curve of the two systematic investment strategies applied to Ally Financial Inc.:

Ally Financial Inc. automated entries

The systematic investment strategy that buys the first day of the month would give a performance of 0% on the backtest period.

Performance at glance

Performance

0 %

Latent gain

0.0 £

Invested capital

0.0 £

Annualized return

0.0 %
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Momentum strategy results on Ally Financial Inc.

This is the result of two momentum investment strategies applied to Ally Financial Inc.. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on Ally Financial Inc.

The following chart shows all the entries opened by the momentum investment system on Ally Financial Inc.:

Ally Financial Inc. momentum entries
  • The first momentum investment strategy would give 0.75% of return on Ally Financial Inc.. That represents 3.8£ of latent gain with 503.7£ of employed capital.
  • The second momentum investment strategy would give 0% of return on Ally Financial Inc.. That represents 0.0£ of latent gain with 0.0£ of employed capital.
Performance at glance (1Q Momentum)

Performance

0.75 %

Latent gain

3.8 £

Invested capital

503.7 £

Annualized return

-0.0 %
Performance at glance (2Q Momentum)

Performance

0 %

Latent gain

0.0 £

Invested capital

0.0 £

Annualized return

-0.0 %

Momentum equity curve on Ally Financial Inc.

The following chart shows the equity curve of the two momentum strategies applied to Ally Financial Inc.:

Ally Financial Inc. momentum equity

Note: the dividends potentially given by Ally Financial Inc. are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on Ally Financial Inc.

The following chart shows the employed capital evolution of the two momentum strategies on Ally Financial Inc. since the beginning:

Ally Financial Inc.

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250£, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000£.


Buy the dip strategy result on Ally Financial Inc.

Buy the dip entry openings on Ally Financial Inc.

Ally Financial Inc.

The performance achieved by the robo-advisor on Ally Financial Inc. is 0%. That represents 0.0$ of latent gain with 0.0£ of employed capital. The following chart shows Ally Financial Inc. stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of Ally Financial Inc., and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

0 %

Latent gain

0.0 £

Invested capital

0.0 £

Annualized return

-0.0 %

Equity curve of the strategy applied to Ally Financial Inc.

The following chart shows the result of the investment strategy applied to Ally Financial Inc.:

Ally Financial Inc.

Note: the dividends potentially given by Ally Financial Inc. are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on Ally Financial Inc.

The following chart shows the employed capital evolution since the beginning of the investment strategy on Ally Financial Inc.:

Ally Financial Inc.

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on Ally Financial Inc.

In this section, I will compare the three previous investment strategies applied to Ally Financial Inc..

Equity curve comparison on Ally Financial Inc.

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

Ally Financial Inc. investment strategy comparison

Employed capital comparison on Ally Financial Inc.

Ally Financial Inc. investment comparison

Performance comparison on Ally Financial Inc.

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment 0% 0.0£ 0.0£ 0.0%
Momentum 1 quarter 0.75% 3.8£ 503.7£ 12.5%
Momentum 2 quarters 0% 0.0£ 0.0£ -0.0%
Non-directional 0% 0.0£ 0.0£ -0.0%
Annualized return comparison

Automatic investment

0.0 %

Momentum 1Q

-0.0 %

Momentum 2Q

-0.0 %

Non-directional

-0.0 %

Correlated stocks

Here are the most positively and negatively correlated stocks with Ally Financial Inc.:

Positive correlations

Most correlated stocks this year


Most correlated stocks last 3 months

Negative correlation

Most negatively correlated stocks this year


Most negatively correlated stocks last 3 months

Note: The algorithm computes the probability of correlation between Ally Financial Inc. and the other stocks. There may be false positives or some missing correlated stocks. If the price of Ally Financial Inc. does not vary for 36 weeks, the correlation calculation result will be wrong.


Company information

Company name Ally Financial Inc.
Country United States
City Detroit
Address Ally Detroit Center
Phone 866 710 4623
Website www.ally.com
FullTime employees 10500
Industry
Sector
Exchange XLON
Ticker 0HD0.XLON
Market www.londonstockexchange.com

Ally Financial Inc. ESG Scores

Environment scores

Environment ESG Factors Scores
Environment Score 0.1
Peer Environment Performance 1.2188095238095
Environment Percentile unknown
Palm Oil no
Nuclear no
Fur Leather no
GMO no
Coal no
Pesticides no
Animal Testing no

Social scores

Social ESG Factors Scores
Social Score 11.1
Peer Social Performance 8.1233333333333
Social Percentile unknown
Highest Controversy 2
Peer Highest Controversy Performance 1.5697674418605
Adult no
Gambling no
Alcoholic no
Tobacco no
Catholic no
Controversial Weapons no
Small Arms no
Military Contract no
Peer Count yes

Related Controversy: Customer Incidents


Governance scores

Governance ESG Factors Scores
Governance Score 11.0
Peer Governance Performance 9.9191666666667
Governance Percentile unknown

ESG at glance
Total ESG Scores: 22.2
Environment Score: 0.1
Social Score: 11.1
Governance Score: 11.0

ESG Performance: AVG_PERF

Peer Group: Diversified Financials

Peer Esg Score Performance: 19.482906976744

Rating Year: 2022

Rating Month: 8

Max Age: 86400

Percentile: 33