ALLYALLY
US • —
$45.95
P/E
10.32
PEG
0.03
FCF Yield
—
Rev Growth YoY
+37.4% YoY
Gross Margin
—
Health Score
6/10
D/E Ratio
1.14
Confidence
LOW
Business Snapshot
Ally Financial (ALLY) is a digital financial services company primarily known for its online banking and auto finance operations. The company originates auto loans and leases through a vast dealer network, making it one of the largest auto lenders in the United States. It also offers a range of retail banking products including deposits, mortgages, and credit cards, operating as a challenger to traditional brick-and-mortar banks. The company's financial scale is substantial, with TTM revenue of approximately $8.9 billion, though market cap data is not provided. A defining characteristic for Ally is its dominant position in the U.S.
Financial Health
Net margin of 13.3% provides a baseline level of profitability, but the absence of gross margin data makes it difficult to assess operating efficiency. The balance sheet shows a debt-to-equity ratio of 1.14x, which is manageable for a financial services firm, though leverage is present...
Risk Assessment
- VALUATION — The P/E of 10.32x is below the sector average of 22x, which could indicate a value trap if earnings growth falters.
- DEBT / LIQUIDITY — Debt/equity of 1.14x is elevated for a financial firm, indicating reliance on borrowed capital to fund operations.
- TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed.
- FCF / CASH BURN — Free cash flow is not available, but the Python DCF model explicitly notes negative or unavailable FCF, preventing a cash generation assessment.
- INSIDER — Insider activity shows a net sell over the last 90 days (0 buys, 1 sell), a cautious signal from those closest to the business....
Net margin of 13.3% provides a baseline level of profitability, but the absence of gross margin data makes it difficult to assess operating efficiency. The balance sheet shows a debt-to-equity ratio of 1.14x, which is manageable for a financial services firm, though leverage is present. The current ratio is not available, which prevents a full liquidity assessment. Return on equity of 9.2% is a decent profitability metric for a lender, suggesting the company is generating adequate returns on shareholder capital. The lack of free cash flow data is a significant gap, as cash generation is critical for evaluating a financial institution's dividend capacity and ability to reinvest in its lending operations. Overall financial health appears stable but is caveated by missing liquidity and cash flow data.
- VALUATION — The P/E of 10.32x is below the sector average of 22x, which could indicate a value trap if earnings growth falters. - DEBT / LIQUIDITY — Debt/equity of 1.14x is elevated for a financial firm, indicating reliance on borrowed capital to fund operations. - TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed. - FCF / CASH BURN — Free cash flow is not available, but the Python DCF model explicitly notes negative or unavailable FCF, preventing a cash generation assessment. - INSIDER — Insider activity shows a net sell over the last 90 days (0 buys, 1 sell), a cautious signal from those closest to the business.
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