Ally is the largest indirect auto lender in the US, acquiring auto loans from tens of thousands of dealerships. The bank also offers auto insurance, commercial lending, mortgage finance, and credit cards, though auto loans remain its core focus and largest source of revenue.
Ally has had material success in improving its funding structure, which could lead to wider net interest margins.
Ally's auto loans are in a period of higher credit costs as economic pressure weighs on consumers. Credit costs could remain elevated for longer than expected.
|
Metric
|
ALLY
|
COF
|
SYF
|
|---|---|---|---|
Price/Earnings (Normalized) | 8.26 | 9.70 | 7.33 |
Price/Book Value | 0.85 | 1.05 | 1.53 |
Price/Sales | 1.22 | 1.98 | 1.67 |
Price/Cash Flow | 2.64 | 3.84 | 2.51 |
|
Metric
|
ALLY
|
COF
|
SYF
|
|---|---|---|---|
Quick Ratio | — | — | — |
Current Ratio | — | — | — |
Interest Coverage | — | — | — |
|
Metric
|
ALLY
|
COF
|
SYF
|
|---|---|---|---|
Return on Assets (Normalized) | 0.75% | 1.88% | 2.93% |
Return on Equity (Normalized) | 11.20% | 11.16% | 22.68% |
Return on Invested Capital (Normalized) | — | — | — |
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1-Day Chart
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United States