Ally

Financial Services banks brokerage finance provider fintech holding company insurance

Ally Financial Inc. is a digital financial services company offering financial products for consumers, businesses, automotive dealers and corporate clients. The Company provides financial services including auto financing, corporate financing, insurance, mortgages, stock brokerage, and online banking.
Ally's automotive services business offers a full suite of financing products and services, including new and used vehicle inventory and consumer financing, leasing, inventory insurance, commercial loans and vehicle remarketing services. Ally Bank, the Company's direct banking subsidiary, offers an array of deposit products, including certificates of deposit, savings accounts, money market accounts, IRA deposit products and interest checking. Ally's Commercial Finance unit provides financing to middle-market companies across a broad range of industries.

Revenue(Q1, 2017)

$1.4 B

Market capitalization(2017-08-18)

$10.1 B

Total Loans Issued(Q2, 2017)

$120.5 B

Company Growth (employees)

Type

Public

Detroit, US

Founded

1919

Size (employees)

7,600 (est)

Website

ally.com

Ally was founded in 1919 and is headquartered in Detroit, US

Key People at Ally

Jeffrey Brown

CEO

Chris Halmy

Chief Financial Officer

Michael Baresich

Chief Information Officer

David DeBrunner

Vice President, Controller and Chief Accounting Officer

Ally Office Locations

Ally has an office in Detroit

Detroit, US (HQ)

One Detroit Center 500 Woodward Ave

Ally Data and Metrics

Ally Financial Metrics

Ally's revenue was reported to be $1.4 b in Q1, 2017

Summary

USD

Ally's current market capitalization is $10.1 b.

Source: SEC Filings

Income Statement

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016
Revenue	2.8 b	3.4 b	3.7 b	3.9 b
Revenue growth, %		21%	10%	5%
Pre tax profit	357 m	1.2 b	1.4 b	1.6 b
Net Income	361 m	1.2 b	263 m	361 m

Quarterly

USD	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017
Revenue	1.2 b		1.1 b	1.1 b	1.3 b	1.3 b	1.4 b	1.4 b	1.4 b
Cost of goods sold	728 m		612 m	608 m	604 m	648 m	651 m
Gross profit	503 m		481 m	519 m	698 m	679 m	707 m
Gross profit Margin, %	41%		44%	46%	54%	51%	52%
Net Income	550 m	973 m	576 m	758 m	1 b	250 m	610 m

Source: SEC Filings

Balance Sheet

Annual

USD	FY, 2013	FY, 2014	FY, 2015
Cash	5.5 b	5.6 b	6.4 b
Total Assets	151.2 b	151.8 b	158.6 b
Accounts Payable	888 m	477 m	350 m
Total Debt	78 b	73.6 b	74.3 b
Preferred Stock	1.3 b		696 m
Retained Earnings	(7.7 b)	(6.8 b)	(8.1 b)
Total Equity	14.2 b	15.4 b	13.4 b
Debt to Equity Ratio	5.5 x	4.8 x	5.5 x
Debt to Assets Ratio	0.5 x	0.5 x	0.5 x
Financial Leverage	10.6 x	9.9 x	11.8 x

Quarterly

USD	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016
Cash	5.8 b	5.7 b	7.6 b	5.9 b	5.2 b	5 b	5.7 b
Total Assets	150 b	149 b	154 b	156 b	156 b	157 b	158 b
Preferred Stock	1.3 b	1.3 b	1.3 b	813 m	813 m	696 m
Retained Earnings	(7.3 b)	(6.9 b)	(6.3 b)	(7.4 b)	(7.2 b)	(7.9 b)	(7.5 b)
Total Equity	14.9 b	15.2 b	15.9 b	14.3 b	14.6 b	13.8 b	13.6 b
Financial Leverage	10.1 x	9.8 x	9.7 x	10.9 x	10.7 x	11.4 x	11.6 x

Cash Flow

Annual

USD	FY, 2013	FY, 2014	FY, 2015	FY, 2016
Net Income	361 m	1.2 b	263 m	361 m
Accounts Payable	(39 m)	(411 m)	(127 m)
Cash From Operating Activities	2.5 b	3.4 b	5.1 b	4.6 b
Cash From Investing Activities	(3.5 b)	(3.2 b)	(9.7 b)	(8.7 b)
Short-term Borrowings	1.6 b	(1.5 b)	1 b
Long-term Borrowings	(31.9 b)	(30.4 b)	(31.4 b)	(26.4 b)
Dividends Paid	(810 m)	(268 m)	(2.6 b)
Cash From Financing Activities	(3.1 b)	(145 m)	5.5 b	3.7 b
Interest Paid	3.8 b	3.1 b	2.6 b	2.6 b
Income Taxes Paid	75 m	8 m	96 m	19 m

Quarterly

USD	Q2, 2014	Q3, 2014	Q1, 2015	Q2, 2015	Q3, 2015	Q1, 2016	Q2, 2016	Q3, 2016	Q1, 2017
Net Income	550 m	973 m	576 m	758 m	1 b	250 m	610 m
Depreciation and Amortization						653 m	1.2 b
Accounts Payable	(359 m)	(346 m)	(37 m)	(59 m)	(40 m)	24 m	76 m
Cash From Operating Activities	1.5 b	2.5 b	247 m	1.7 b	4 b	1.2 b	2.4 b	3.6 b	1.2 b
Cash From Investing Activities	90 m	5 m	805 m	(5.2 b)	(7 b)	651 m	(1.3 b)	(2.8 b)	(663 m)
Short-term Borrowings	(2.2 b)	(3.3 b)	(618 m)	2.9 b	(1.7 b)	(2.7 b)	(2.1 b)
Long-term Borrowings	(16.7 b)	(21.2 b)	(9.8 b)	(19 b)	(23.5 b)	(8.5 b)	(14.3 b)	(20.8 b)	(7.6 b)
Dividends Paid	(134 m)	(200 m)	(67 m)	(1.3 b)	(1.4 b)	(15 m)	(30 m)
Cash From Financing Activities	(1.4 b)	(2.3 b)	1 b	3.7 b	2.7 b	(3.2 b)	(1.8 b)	(2.9 b)	(2.1 b)
Interest Paid	1.7 b	2.4 b	641 m	1.3 b	1.8 b	626 m	1.2 b	1.9 b	648 m
Income Taxes Paid		13 m	95 m	97 m	95 m		12 m	16 m	2 m

Ratios

USD	Y, 2017
Revenue/Employee	180.9 k

Ally Operating Metrics

Ally's Total Loans Issued was reported to be $120.5 b in Q2, 2017. Ally's Customers was reported to be 5.6 m in FY, 2016

	FY, 2014	Q1, 2015	Q2, 2015	Q3, 2015	FY, 2015	Q1, 2016	Q2, 2016	Q3, 2016	FY, 2016	Q1, 2017	Q2, 2017
Customers (Deposits)	900 k				900 k				1.2 m
Customers	4.4 m				5.6 m				5.6 m
Dealers	17 k				17 k				18 k
Non-performing Loans	$653 m	$599 m	$651 m	$637 m	$680 m	$698 m	$734 m	$753 m	$819 m	$798 m	$783 m
Total Loans Issued	$101.95 b	$101.42 b	$106.61 b	$108.03 b	$111.71 b	$110.92 b	$112.67 b	$115.02 b	$118.94 b	$119 b	$120.55 b

Ally Market Value History

Ally Revenue Breakdown

Market Position of Ally

Competitors

DNB Financial

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MainSource Financial Group

Financial Services - Public

Hilltop Holdings

Financial Services - Public

Fulton Financial Corporation

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Compare competitors

Ally

Company Growth (employees)

Key People at Ally

Jeffrey Brown

Chris Halmy

Michael Baresich

David DeBrunner

Ally Office Locations

Ally Data and Metrics

Ally Financial Metrics

Summary

Revenue (Q1, 2017)

Market capitalization (18-Aug-2017)

Cash (30-Jun-2016)

Income Statement

Revenue

Revenue growth, %

Pre tax profit

Net Income

Revenue

Cost of goods sold

Gross profit

Gross profit Margin, %

Net Income

Balance Sheet

Cash

Total Assets

Accounts Payable

Total Debt

Preferred Stock

Retained Earnings

Total Equity

Debt to Equity Ratio

Debt to Assets Ratio

Financial Leverage

Cash

Total Assets

Preferred Stock

Retained Earnings

Total Equity

Financial Leverage

Cash Flow

Net Income

Accounts Payable

Cash From Operating Activities

Cash From Investing Activities

Short-term Borrowings

Long-term Borrowings

Dividends Paid

Cash From Financing Activities

Interest Paid

Income Taxes Paid

Net Income

Depreciation and Amortization

Accounts Payable

Cash From Operating Activities

Cash From Investing Activities

Short-term Borrowings

Long-term Borrowings

Dividends Paid

Cash From Financing Activities

Interest Paid

Income Taxes Paid

Ratios

Revenue/Employee

Ally Operating Metrics

Customers (Deposits)

Customers

Dealers

Non-performing Loans

Total Loans Issued

Ally Market Value History

Ally Revenue Breakdown

Market Position of Ally

Competitors

Traffic Overview of Ally

Ally Online and Social Media Presence

Ally Company Life and Culture

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