Ally Financial Inc.
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 …
Financial - Credit Services
US, Detroit [HQ]
Ratios
15 Sheets · From 2023 to 2009Configuration
Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||
| Gross Margin | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Profit Margin | -110.41 | 10.75 | -2.22 | 9.99 | -10.90 | 9.91 | -24.76 | 16.97 | 15.85 | 21.36 | 26.89 | 17.50 | 35.29 | 21.58 | 11.25 | |
| Operating Margin | -27.46 | 80.65 | 88.12 | 11.65 | 8.96 | 21.84 | 25.89 | 25.14 | 25.71 | 10.10 | 15.46 | 9.08 | 37.23 | 16.59 | 11.92 | |
|
EPS Growth
|
-1,485.21 | 94.96 | 87.98 | 463.16 | -209.42 | 190.07 | -355.15 | 164.84 | -9.33 | 45.59 | 46.80 | -33.72 | 186.51 | -38.89 | -40.71 | |
| EPS USD | -6,275.00 | -316.00 | -38.00 | 138.00 | -151.00 | 136.00 | -347.00 | 225.00 | 204.00 | 297.00 | 436.00 | 289.00 | 828.00 | 506.00 | 300.00 | |
| Return on Assets (ROA) | -5.98 | 0.62 | -0.09 | 0.31 | -0.42 | 0.43 | -1.06 | 0.65 | 0.56 | 0.71 | 0.95 | 0.60 | 1.68 | 0.89 | 0.52 | |
| Return on Equity (ROE) | -49.42 | 5.25 | -0.81 | 2.84 | -4.46 | 4.27 | -12.46 | 8.01 | 6.88 | 9.52 | 11.90 | 7.38 | 17.95 | 13.33 | 7.41 | |
| Return on Invested Capital (ROIC) | -2.27 | 6.13 | -8.73 | -0.43 | 0.47 | 1.21 | 1.28 | 1.39 | 1.34 | 0.69 | 1.60 | 1.11 | 8.34 | 2.92 | 3.00 | |
| Solvency | ||||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 53.91 | 54.65 | 54.46 | 44.92 | 51.61 | 48.49 | 46.88 | 40.80 | 33.29 | 30.29 | 21.90 | 13.25 | 7.53 | 10.51 | 10.30 | |
| Debt/Equity | 445.76 | 458.78 | 517.47 | 408.94 | 549.06 | 478.08 | 553.13 | 501.62 | 412.32 | 408.35 | 274.40 | 164.20 | 80.50 | 156.79 | 146.98 | |
| Debt/EBITDA | 2,161.88 | 622.59 | 964.12 | 5,225.98 | -12,605.04 | 6,957.46 | -5,768.68 | 3,924.37 | 3,409.89 | 3,060.60 | 1,830.35 | 602.62 | 315.09 | 653.67 | 570.79 | |
|
Debt/Capitalization
|
81.68 | 82.10 | 83.80 | 80.35 | 84.59 | 82.70 | 84.69 | 83.38 | 80.48 | 80.33 | 73.29 | 62.15 | 44.60 | 61.06 | 59.51 | |
| Long-Term Debt/Capitalization | 81.19 | 80.85 | 82.69 | 78.80 | 83.02 | 81.21 | 83.13 | 80.26 | 76.62 | 76.91 | 70.24 | 59.95 | 49.97 | 58.01 | 56.23 | |
| Interest Debt per Share USD | 612.69 | 406.29 | 258.03 | 208.75 | 193.70 | 158.53 | 159.12 | 143.99 | 128.46 | 135.99 | 111.39 | 72.90 | 43.13 | 72.68 | 89.32 | |
| Debt Growth | -22.84 | 1.19 | 6.64 | -18.26 | -4.79 | -5.63 | 0.97 | -10.14 | -16.71 | -2.62 | -26.99 | -38.97 | -29.46 | 18.39 | 0.36 | |
| Liquidity | ||||||||||||||||
| Current Ratio | 199.84 | 255.90 | 274.67 | 222.31 | 208.25 | 230.08 | 223.42 | 163.84 | 193.14 | 207.35 | 558.93 | 1,883.24 | 18,653.81 | 1,172.51 | 461.92 | |
| Quick Ratio | 218.30 | 275.65 | 295.92 | 238.80 | 223.11 | 248.04 | 240.51 | 144.23 | 152.07 | 222.09 | 558.93 | 1,883.24 | 18,653.81 | 1,172.51 | 409.25 | |
| Cash Ratio | 121.49 | 123.90 | 135.27 | 77.00 | 50.93 | 59.09 | 60.56 | 39.11 | 30.33 | 43.87 | 57.60 | 613.07 | 2,410.48 | 203.10 | 102.30 | |
| Operating Cash Flow Ratio | - - | 100 | - - | - - | - - | - - | - - | - - | - - | - - | - - | 100 | 1,900 | 200 | - - | |
| Turnover | ||||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Receivables Turnover | 1,037.49 | 1,137.54 | 528.09 | 353.20 | 360.57 | 391.09 | 375.35 | 330.13 | 286.32 | 254.17 | 249.38 | 231.43 | 1,192.71 | 836.11 | 806.94 | |
| Payables Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
|
Asset Turnover
|
5.41 | 5.81 | 3.85 | 3.12 | 3.85 | 4.37 | 4.26 | 3.84 | 3.51 | 3.31 | 3.53 | 3.40 | 4.76 | 4.14 | 4.62 | |
| Fixed Turnover | 57.11 | 105.21 | 73.52 | 41.94 | 32.90 | 33.98 | 41.55 | 54.83 | 67.05 | 70.24 | 71.97 | 64.32 | 79.83 | 76.05 | 86.03 | |
| Coverage | ||||||||||||||||
| Interest Coverage | -33.44 | 117.96 | 100.35 | 15.76 | 15.70 | 52.03 | 72.05 | 60.14 | 52.75 | 16.41 | 23.24 | 17.36 | 168.65 | 46.13 | 15.67 | |
| Asset Coverage | 100 | 100 | 100 | 200 | 100 | 200 | 200 | 200 | 200 | 300 | 400 | 700 | 1,000 | 900 | 900 | |
| Cash Flow Coverage (CFGR) | -5.52 | 12.35 | 5.48 | 6.16 | 3.21 | 4.62 | 6.85 | 6.84 | 7.33 | 7.66 | 10.24 | 15.49 | 29.45 | 30.99 | 23.05 | |
| EBITDA Coverage | - - | 100 | 100 | - - | - - | - - | - - | - - | - - | - - | - - | - - | 100 | - - | - - | |
| Dividend Coverage | 600 | - - | - - | - - | - - | -200 | - - | -900 | -500 | -500 | -600 | -300 | -800 | -300 | -200 | |
| Time Interest Earned (TIE) | 200 | 200 | 200 | -400 | -300 | -300 | -200 | -200 | -200 | -300 | -100 | - - | -100 | 100 | 200 | |
| Market Prospects | ||||||||||||||||
| Dividend Yield | 37.35 | 19.44 | 7.64 | 7.48 | 7.43 | 2.35 | 28.59 | 1.18 | 1.39 | 2.51 | 2.27 | 2.16 | 2.21 | 6.38 | 4.51 | |
| Earnings Yield | -241.63 | 16.68 | -1.47 | 5.30 | -5.81 | 5.77 | -18.62 | 11.63 | 7.00 | 13.11 | 14.27 | 8.10 | 17.73 | 22.14 | 9.62 | |
|
Price/Earnings (P/E)
|
-41.39 | 599.57 | -6,824.99 | 1,886.49 | -1,719.87 | 1,732.62 | -537.18 | 859.52 | 1,429.28 | 762.81 | 700.71 | 1,234.56 | 564.14 | 451.75 | 1,039.90 | |
| Price/Earnings Growth (PEG) | 0.03 | -6.31 | 77.58 | -4.07 | 8.21 | -9.12 | 1.51 | -5.21 | -153.14 | 16.73 | 14.97 | -36.62 | 3.02 | -11.62 | -25.54 | |
|
Price/Book (P/B)
|
20.45 | 31.46 | 55.32 | 53.48 | 76.75 | 73.92 | 66.91 | 68.87 | 98.40 | 72.61 | 83.36 | 91.10 | 101.25 | 60.22 | 77.05 | |
| Price/Tangible Book (P/TB) | 20.45 | 31.46 | 55.32 | 53.48 | 76.75 | 73.92 | 66.91 | 68.87 | 98.40 | 72.61 | 83.36 | 91.10 | 101.25 | 60.22 | 77.05 | |
| Price/Sales (P/S) | 45.70 | 64.46 | 151.20 | 188.55 | 187.48 | 171.72 | 133.02 | 145.83 | 226.55 | 162.96 | 188.39 | 216.05 | 199.08 | 97.48 | 116.95 | |
|
Price/Cash Flow (P/CF)
|
-83.05 | 55.53 | 195.07 | 212.22 | 435.98 | 334.51 | 176.49 | 200.81 | 325.52 | 232.15 | 296.72 | 358.25 | 427.08 | 123.95 | 227.47 | |
| Price/Free CF (P/FCF) | -72.68 | 80.57 | -1,035.29 | -447.40 | -162.87 | -175.64 | 2,193.25 | 709.29 | 49,177.80 | 2,184.63 | 44,508.26 | -2,305.50 | -1,601.35 | 285.20 | 557.09 | |
| Price/Operating CF (P/OCF) | -83.05 | 55.53 | 195.07 | 212.22 | 435.98 | 334.51 | 176.49 | 200.81 | 325.52 | 232.15 | 296.72 | 358.25 | 427.08 | 123.95 | 227.47 |