Ally is the largest indirect auto lender in the US with the firm acquiring auto loans from tens of thousands of auto 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 will lead to wider net interest margins going forward.
Auto loans and consumer credit in general are likely entering a period of higher credit costs and lower profitability as economic pressure on consumers builds.
|
Metric
|
ALLY
|
SYF
|
DFS
|
|---|---|---|---|
Price/Earnings (Normalized) | 15.03 | 9.45 | 11.68 |
Price/Book Value | 1.08 | 1.35 | 2.42 |
Price/Sales | 1.39 | 1.29 | 2.03 |
Price/Cash Flow | 2.88 | 2.13 | 4.11 |
|
Metric
|
ALLY
|
SYF
|
DFS
|
|---|---|---|---|
Quick Ratio | — | — | — |
Current Ratio | — | — | — |
Interest Coverage | — | — | — |
|
Metric
|
ALLY
|
SYF
|
DFS
|
|---|---|---|---|
Return on Assets (Normalized) | 0.42% | 2.61% | 1.60% |
Return on Equity (Normalized) | 7.37% | 22.66% | 17.20% |
Return on Invested Capital (Normalized) | — | — | — |
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