Ally Financial Inc. (ALLY) Stock

About Ally Financial Inc.

Ally Financial Inc. operates as a digital-first financial services provider, offering a comprehensive suite of products and services to individual consumers, commercial enterprises, and corporate clients. Its primary operational footprint spans the United States and Canada. The company is structured into four main operating segments: 1. Automotive Finance Operations: This segment specializes in vehicle financing solutions. Offerings include retail installment sales contracts, loans, and operating leases for consumers, as well as term loans for dealerships. It also facilitates dealer floorplan financing, other lines of credit for dealers, warehouse lines for automotive retailers, and fleet financing. Furthermore, this division provides funding for companies and municipalities purchasing or leasing vehicles and offers vehicle remarketing services. 2. Insurance Operations: Through this segment, Ally provides consumer finance protection and various insurance products via the automotive dealer channel. It also extends commercial insurance products directly to dealerships. Key offerings include vehicle service and maintenance contracts, guaranteed asset protection (GAP) products, and underwriting for commercial coverages, primarily safeguarding dealers' vehicle inventory. 3. Mortgage Finance Operations: This division oversees a portfolio of consumer mortgage loans. Its activities encompass the bulk acquisition of jumbo and low-to-moderate income mortgage loans originated by third parties, alongside direct-to-consumer mortgage offerings. 4. Corporate Finance Operations: This segment delivers senior secured leveraged cash flow loans and asset-based lending solutions to middle-market companies. It also provides other leveraged loans and commercial real estate products, particularly catering to firms within the healthcare industry. Beyond its core segments, Ally Financial Inc. also furnishes a variety of commercial banking products and services, alongside securities brokerage and investment advisory services. The company, founded in 1919 and based in Detroit, Michigan, was previously known as GMAC Inc. before officially changing its name to Ally Financial Inc. in May 2010.

Ally Financial Inc. is led by CEO Michael G. Rhodes, employs 10,300 people, headquartered in Detroit, US, publicly traded since 2014.

Ally Financial Inc. (ALLY) stock trades at $43.68 with a market capitalization of $13.29B. The stock is valued at a price-to-earnings (P/E) ratio of 17.44, price-to-book of 0.82, price-to-sales of 0.80. Over the past 52 weeks the stock has ranged between $35.92 and $47.27, and currently trades 7.6% below its 52-week high. It pays a dividend yielding 2.94%.

On profitability, Ally Financial Inc. generates a return on equity (ROE) of 5.50%, return on capital employed of 6.78%, an operating margin of 8.65%, a net profit margin of 8.92%.

Official website: www.ally.com