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Ally Financial (ALLY)

Ally Financial Inc. is a leading digital financial-services company with $182.2 billionin assets as of December 31, 2020. As a customer-centric company with passionate customer service and innovative financial solutions, it's relentlessly focused on 'Doing it Right' and being a trusted financial-services provider to its consumer, commercial, and corporate customers. It's one of the largest full-service automotive-finance operations in the country and offers a wide range of financial services and insurance products to automotive dealerships and consumers. Its award-winning online bank (Ally Bank, Member FDIC and Equal Housing Lender) offers mortgage lending, personal lending, and a variety of deposit and other banking products, including savings, money-market, and checking accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). Additionally, it offer securities-brokerage and investment-advisory services through Ally Invest. Its robust corporate finance business offers capital for equity sponsors and middle-market companies.

Company profile

Ticker
ALLY
Exchange
Website
CEO
Jeffrey Brown
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
Former names
GENERAL MOTORS ACCEPTANCE CORP, GMAC INC., GMAC LLC
SEC CIK
Subsidiaries
Ally Central Originating Lease LLC • Ally Insurance Holdings Inc. • IB Finance Holding Company, LLC ...

ALLY stock data

Investment data

Data from SEC filings
Top 50 of 111 long holdings
End of quarter 30 Jun 22
Value
 
#Shares
 
Prev Q
 
Change
%, QoQ
$113.97M 1.56M 1.18M +32.8
Vanguard Ftse All-world Ex-us Etf
$63.99M 1.35M 1.35M 0
$58.47M 155K NEW
$25.49M 240K 12K +1900.0
$23.38M 145K 120K +20.8
Vanguard Ftse Developed Markets Etf
$19.99M 490K 490K 0
$19.61M 9K 8K +12.5
$17.49M 192K 524K -63.4
$15.59M 114K 114K 0
$14.72M 290K 290K 0
$14.57M 695K 695K 0
$13.87M 54K 54K 0
$13.11M 285K 285K 0
$12.5M 111K 111K 0
$11.62M 59K 59K 0
$9.9M 60K 60K 0
$9.78M 31K 31K 0
$9.07M 40K 40K 0
$9.06M 96K 74K +29.7
$8.75M 223K 175K +27.4
$8.53M 75K 75K 0
$8.42M 35K 35K 0
$6.96M 19K 15K +26.7
$6.84M 50K 33K +51.5
$6.57M 94K 84K +11.9
$6.53M 102.5K 102.5K 0
$6.47M 37K 22K +68.2
$6.31M 85K 85K 0
$5.88M 150K 50K +200.0
$5.67M 105K 105K 0
$5.31M 155K 155K 0
$5.2M 122K 72K +69.4
$5.18M 40K 40K 0
$5M 131K 131K 0
$4.98M 133K 133K 0
$4.92M 500K 500K 0
$4.7M 46K 30K +53.3
$4.42M 60K 60K 0
$4.34M 212K 112K +89.3
$4.33M 70K 70K 0
$4.27M 48K 48K 0
$4.17M 110K 110K 0
$4.04M 45K 45K 0
$3.89M 8K 8K 0
$3.84M 25K 15K +66.7
$3.79M 25K 25K 0
$3.65M 21K 21K 0
$3.44M 45K 32K +40.6
$3.26M 140K 140K 0
$3.15M 28.5K 25K +14.0
Holdings list only includes long positions. Only includes long positions.

Calendar

1 Aug 22
25 Sep 22
31 Dec 22
Quarter (USD) Jun 22 Mar 22 Dec 21 Sep 21
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD) Dec 21 Dec 20 Dec 19 Dec 18
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Cash burn rate (est.) Burn method: Change in cash Burn method: Operating income Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 4.76B 4.76B 4.76B 4.76B 4.76B 4.76B
Cash burn (monthly) (no burn) 807.17M (no burn) (no burn) (no burn) (no burn)
Cash used (since last report) n/a 2.32B n/a n/a n/a n/a
Cash remaining n/a 2.44B n/a n/a n/a n/a
Runway (months of cash) n/a 3.0 n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
8 Jul 22 Melissa Goldman Common Stock Grant Acquire A No No 0 629 0 4,293
8 Jul 22 David Reilly Common Stock Grant Acquire A No No 0 629 0 4,293
13 May 22 Breakiron-Evans Maureen Common Stock Grant Acquire A No No 39.58 3,664 145.02K 75,387
13 May 22 Clark Mayree C Common Stock Grant Acquire A No No 39.58 3,664 145.02K 80,903
13 May 22 Fennebresque Kim S Common Stock Grant Acquire A No No 39.58 3,664 145.02K 50,903
13F holders Current Prev Q Change
Total holders 551 602 -8.5%
Opened positions 67 100 -33.0%
Closed positions 118 93 +26.9%
Increased positions 182 226 -19.5%
Reduced positions 230 206 +11.7%
13F shares Current Prev Q Change
Total value 11.98B 12.81B -6.5%
Total shares 279.25M 294.9M -5.3%
Total puts 4.03M 1.56M +158.2%
Total calls 1.21M 1.12M +8.3%
Total put/call ratio 3.3 1.4 +138.5%
Largest owners Shares Value Change
Vanguard 34.24M $1.15B -4.5%
BRK.A Berkshire Hathaway 30M $1.01B +234.5%
Harris Associates L P 26.75M $896.43M +0.3%
BLK Blackrock 22.02M $738.05M -16.3%
MS Morgan Stanley 9.64M $322.91M -37.7%
STT State Street 8.08M $270.9M -7.6%
Dimensional Fund Advisors 6.5M $217.91M -0.2%
Arrowstreet Capital, Limited Partnership 6.38M $213.96M -8.8%
Oaktree Capital Management 6.12M $205.24M -10.9%
Geode Capital Management 4.36M $146.06M -5.3%
Largest transactions Shares Bought/sold Change
BRK.A Berkshire Hathaway 30M +21.03M +234.5%
MS Morgan Stanley 9.64M -5.84M -37.7%
RY Royal Bank Of Canada 1.13M -4.91M -81.3%
BLK Blackrock 22.02M -4.28M -16.3%
Holocene Advisors 996.45K -3.61M -78.4%
Epoch Investment Partners 221.71K -2.28M -91.1%
Close Asset Management 1.87M +1.87M NEW
Vanguard 34.24M -1.63M -4.5%
MNGPF Man 0 -1.61M EXIT
Ninety One UK 0 -1.41M EXIT

Financial report summary

?
Competition
CarmaxSynchrony Financial
Management Discussion
  • We earned net income from continuing operations of $3.1 billion for the year ended December 31, 2021, compared to net income of $1.1 billion for the year ended December 31, 2020. During the year ended December 31, 2021, results were favorably impacted by higher net financing revenue driven by lower interest expense and lower net depreciation expense on operating lease assets, and lower provision for credit losses associated with improved macroeconomic conditions. These items were partially offset by higher noninterest expense for the year ended December 31, 2021, as well as increased income tax expense from continuing operations.
  • Net financing revenue and other interest income increased $1.5 billion for the year ended December 31, 2021, as compared to the year ended December 31, 2020. We experienced lower interest expense for the year ended December 31, 2021, as compared to 2020, driven by market and industry dynamics that drove a decrease in our deposit rates and other funding costs, and our continued shift to more cost-efficient deposit funding. Within our Automotive Finance operations, total net operating lease revenue increased $396 million for the year ended
  • Ally Financial Inc. • Form 10-K

Content analysis

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Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability
H.S. freshman Avg
New words: Aurora, backed, carrier, comprised, consummated, CoverDraft, debit, efficiently, exhibited, fintech, Holdco, lapse, LGD, renegotiated, reoccur, representation, slower, surviving, underwritten, warranty
Removed: factoring, inaugural, notification, quickly, reassessed, recalculated, resubmit, tolerance, vast