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Ally Financial Inc is a credit services business based in the US. Ally Financial shares (ALLY) are listed on the NYSE and all prices are listed in US Dollars. Ally Financial employs 9,500 staff and has a trailing 12-month revenue of around USD$6.2 billion.
|52-week range||USD$9.9011 - USD$43.89|
|50-day moving average||USD$40.8315|
|200-day moving average||USD$31.6485|
|Wall St. target price||USD$49.66|
|Dividend yield||USD$0.76 (1.75%)|
|Earnings per share (TTM)||USD$2.877|
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Valuing Ally Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Ally Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Ally Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 15x. In other words, Ally Financial shares trade at around 15x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
Ally Financial's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 0.3048. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Ally Financial's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
|Revenue TTM||USD$6.2 billion|
|Operating margin TTM||25.26%|
|Gross profit TTM||USD$6.2 billion|
|Return on assets TTM||0.6%|
|Return on equity TTM||7.46%|
|Market capitalisation||USD$16.4 billion|
TTM: trailing 12 months
There are currently 8.3 million Ally Financial shares held short by investors – that's known as Ally Financial's "short interest". This figure is 15.5% up from 7.2 million last month.
There are a few different ways that this level of interest in shorting Ally Financial shares can be evaluated.
Ally Financial's "short interest ratio" (SIR) is the quantity of Ally Financial shares currently shorted divided by the average quantity of Ally Financial shares traded daily (recently around 4.9 million). Ally Financial's SIR currently stands at 1.69. In other words for every 100,000 Ally Financial shares traded daily on the market, roughly 1690 shares are currently held short.
However Ally Financial's short interest can also be evaluated against the total number of Ally Financial shares, or, against the total number of tradable Ally Financial shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Ally Financial's short interest could be expressed as 0.02% of the outstanding shares (for every 100,000 Ally Financial shares in existence, roughly 20 shares are currently held short) or 0.0248% of the tradable shares (for every 100,000 tradable Ally Financial shares, roughly 25 shares are currently held short).
Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Ally Financial.
Find out more about how you can short Ally Financial stock.
Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like Ally Financial.
When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.
Total ESG risk: 29.96
Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and Ally Financial's overall score of 29.96 (as at 01/01/2019) is nothing to write home about – landing it in it in the 43rd percentile of companies rated in the same sector.
ESG scores are increasingly used to estimate the level of risk a company like Ally Financial is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).
Environmental score: 7.14/100
Ally Financial's environmental score of 7.14 puts it squarely in the 9th percentile of companies rated in the same sector. This could suggest that Ally Financial is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.
Social score: 21.81/100
Ally Financial's social score of 21.81 puts it squarely in the 9th percentile of companies rated in the same sector. This could suggest that Ally Financial is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.
Governance score: 18.52/100
Ally Financial's governance score puts it squarely in the 9th percentile of companies rated in the same sector. That could suggest that Ally Financial is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.
Controversy score: 2/5
ESG scores also evaluate any incidences of controversy that a company has been involved in. Ally Financial scored a 2 out of 5 for controversy – the second-highest score possible, reflecting that Ally Financial has, for the most part, managed to keep its nose clean.
|Total ESG score||29.96|
|Total ESG percentile||42.7|
|Environmental score percentile||9|
|Social score percentile||9|
|Governance score percentile||9|
|Level of controversy||2|
Dividend payout ratio: 25.17% of net profits
Recently Ally Financial has paid out, on average, around 25.17% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.77% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Ally Financial shareholders could enjoy a 1.77% return on their shares, in the form of dividend payments. In Ally Financial's case, that would currently equate to about $0.76 per share.
While Ally Financial's payout ratio might seem fairly standard, it's worth remembering that Ally Financial may be investing much of the rest of its net profits in future growth.
Ally Financial's most recent dividend payout was on 12 February 2021. The latest dividend was paid out to all shareholders who bought their shares by 29 January 2021 (the "ex-dividend date").
Ally Financial's shares were split on a 310:1 basis on 10 April 2014. So if you had owned 1 share the day before before the split, the next day you'd have owned 310 shares. This wouldn't directly have changed the overall worth of your Ally Financial shares – just the quantity. However, indirectly, the new 99.7% lower share price could have impacted the market appetite for Ally Financial shares which in turn could have impacted Ally Financial's share price.
Over the last 12 months, Ally Financial's shares have ranged in value from as little as $9.9011 up to $43.89. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Ally Financial's is 1.5518. This would suggest that Ally Financial's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).
Ally Financial Inc., a bank holding company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations segments. 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, 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. The Mortgage Finance Operations segment manages held-for-investment 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. It primarily focuses on businesses owned by private equity sponsors with loans used for leveraged buyouts, mergers and acquisitions, debt refinancing, restructurings, and working capital. The company, through its subsidiary, Ally Bank, 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 headquartered in Detroit, Michigan.
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