ALLYAlly Financial Inc.
State Commercial Banks
- Revenue
- $1.2B
- 3.8% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- $11.6B
- Employees
- 10,700
- $116K revenue each
- Net debt / EBITDA
- —
- $10.9B net debt
- AI in 10-K
- 2.6
- mentions per 10K words
Takeover score 0 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo438% of net incomeCash flow under 80% of net income
- Dilutive SBCNo6% of revenueOver 10% of revenue
- Payouts exceed cash flowNo12% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo0% of assetsOver 40% of assets
- Shareholder dissentNo97% lowest supportAny vote under 80% support
Buyer economics 0 of 4
- Low revenue per employeeNo$116K · 63rd pctBottom quartile of its SIC industry
- Quiet on AINo2.6 per 10K words · 65th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$11.6B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$1M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $852M | $908M | $968M | $1.2B | $1.2B | 3.8% |
| Net income | $3.1B | $1.7B | $957M | $668M | $852M | 28% |
| Operating cash flow | $4.0B | $6.2B | $4.6B | $4.5B | $3.7B | 18% |
| Buybacks | $2.0B | $1.6B | $33M | $38M | $59M | 55% |
| Dividends | $324M | $384M | $368M | $372M | $379M | 1.9% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $1M · 2
- Open-market sells, 12 mo
- $3M · 4
- Net
- −$1M
Pay vs performance
No pay-versus-performance disclosure yet.