Last $19.58 USD
Change Today -0.43 / -2.15%
Volume 11.0M
ALLY On Other Exchanges
New York
As of 8:04 PM 01/29/15 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

200 Renaissance Center

PO Box 200

Detroit, MI 48265

United States

Phone: 866-710-4623


Ally Financial Inc., an automotive financial services company, provides a range of financial products and services to automotive dealers and their customers. The company’s banking subsidiary includes Ally Bank. Business Dealer Financial Services Dealer Financial Services, which includes the company’s Automotive Finance and Insurance operations, and Mortgage are its primary lines of business. The company’s Dealer Financial Services business serves the financial needs of approximately 16,000 dealers in the United States and approximately 4 million of their retail customers with a range of financial services and insurance products. The company has developed relationships with various dealers resulting from its relationship with General Motors Company (GM), as well as relationships with other manufacturers, including Chrysler Group LLC, providing the company with an understanding of the operating needs of these dealers relative to other automotive finance companies. The company’s primary customers are automotive dealers, which are independently owned businesses. Its automotive finance services include providing retail installment sales contracts, loans, and leases, offering term loans to dealers, financing dealer floorplans and other lines of credit to dealers, fleet financing, and vehicle remarketing services. The company also offers retail vehicle service contracts and commercial insurance primarily covering dealers' wholesale vehicle inventories. It is a major provider of vehicle service contracts and maintenance coverage. Automotive Finance The company’s Automotive Finance operations consist of automotive finance business generated in the United States. It provided new retail automotive loans to franchised dealers in the United States during 2013. The company has approximately 1,800 automotive finance and 600 insurance employees across the United States focused on serving the needs of its dealer customers with finance and insurance products, expanding various dealer and automotive manufacturer relationships, and supporting its dealer lending and underwriting functions. In addition, the company has approximately 2,200 employees that support its servicing operations. It manages commercial account servicing for approximately 4,500 dealers that utilize its floorplan inventory lending or other commercial loans. Automotive dealers desire a range of financial products, including new and used vehicle inventory financing; inventory insurance; term loans, including real estate and working capital loans; and vehicle remarketing services to conduct their respective businesses, as well as service contracts and guaranteed automobile protection (GAP) products to offer their customers. The company has provided this suite of products to dealers. For consumers, the company provides retail automotive financing for new and used vehicles and leasing for new vehicles. In the United States, retail financing for the purchase of vehicles takes the form of installment sales financing. The company’s commercial automotive financing operations primarily fund dealer inventory purchases of new and used vehicles, commonly referred to as wholesale or floorplan financing. This represents the major portion of its commercial automotive financing business. Wholesale floorplan loans are secured by vehicles financed (and all other vehicle inventory), which provide collateral protection in the event of dealership default. The company also provides automotive remarketing services, including the use of SmartAuction, its online auction platform, which supports dealer-to-dealer and other commercial wholesale car transactions. In 2013, the company and others, including dealers, fleet rental companies, financial institutions, and GM, utilized SmartAuction to sell 261,000 vehicles to dealers and other commercial customers. SmartAuction served as the remarketing channel for 40% of the company’s off-lease vehicles. Insurance The company’s Insurance operations offer both consumer finance protection and insurance products sold primarily through the automotive dealer channel, and commercial insurance products sold directly to dealers. As


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Valuation ALLY Industry Range
Price/Earnings 46.3x
Price/Sales 1.5x
Price/Book 0.7x
Price/Cash Flow 3.0x
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