Ally(ALLY)
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Compared to Estimates, Ally Financial (ALLY) Q3 Earnings: A Look at Key Metrics
ZACKS· 2024-10-18 22:35
Ally Financial (ALLY) reported $2.1 billion in revenue for the quarter ended September 2024, representing a year-over-year increase of 6.9%. EPS of $0.95 for the same period compares to $0.83 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $2.06 billion, representing a surprise of +2.01%. The company delivered an EPS surprise of +66.67%, with the consensus EPS estimate being $0.57.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- ...
Ally Financial (ALLY) Q3 Earnings and Revenues Beat Estimates
ZACKS· 2024-10-18 21:30
Ally Financial (ALLY) came out with quarterly earnings of $0.95 per share, beating the Zacks Consensus Estimate of $0.57 per share. This compares to earnings of $0.83 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 66.67%. A quarter ago, it was expected that this auto finance company and bank would post earnings of $0.62 per share when it actually produced earnings of $0.97, delivering a surprise of 56.45%.Over the last four q ...
Ally(ALLY) - 2024 Q3 - Earnings Call Presentation
2024-10-18 21:00
财务表现 - 公司在2024年第三季度实现了净利润357亿美元,较上一季度的294亿美元有所增长[16][16][16] - 3Q 2024 GAAP净收入归属于普通股股东为3.3亿美元,核心净收入归属于普通股股东为2.95亿美元[7][7][7] - 3Q 2024 GAAP每股收益为1.06美元,调整后每股收益为0.95美元[7][7][7] - 3Q 2024 GAAP总净收入为21.03亿美元,调整后总净收入为20.58亿美元[7][7][7] - 3Q 2024净融资收入为14.88亿美元,较上季度减少7亿美元,较去年同期减少45亿美元[15][15][15] - 3Q 2024核心OID为14亿美元,其他收入为6.15亿美元[15][15][15] 贷款和资产负债表 - 零售汽车贷款(不包括对冲)的平均余额为83574亿美元,收益率为8.99%[17][17] - 公司的资产负债表显示,截至2024年第三季度,收益资产为1837.89亿美元,净利差为7.30%[18][18] - 公司的核心OID为759亿美元,税后净利差为7.53%[19][19] - 公司资产质量指标显示,2024年第三季度零售汽车净冲销为467亿美元,较上一季度的435亿美元有所增长[26][26] - 零售汽车贷款的覆盖率为3.80%,整体覆盖率为2.69%,较上一季度分别提高了15个基点和12个基点[29][29] 业务展望 - 零售汽车贷款发放额在2024年第三季度达到110亿美元,较去年同期增长40%[34][34] - 电动汽车租赁合同持续增长,2024年第三季度消费者电动汽车发放额达到11亿美元[40][40] - 公司全年展望:净利息差约为3.20%,调整后其他收入增长约12%,零售汽车净信贷亏损率为2.25%-2.30%,综合净信贷亏损率为1.50%-1.55%[52][52] 其他信息 - 公司信用评级为Fitch:LT债务BBB-,Moody's:Baa3,S&P:BBB-,DBRS:BBB[59][59] - 公司在2024年第三季度的总资产为4160亿美元,较去年同期减少113.2亿美元[60][60] - 公司的贷款存款比率为98%,总可用流动性为数百亿美元[63][63]
Ally(ALLY) - 2024 Q3 - Quarterly Results
2024-10-18 19:44
财务业绩 - 2024年第三季度收入为XX亿美元,同比增长XX%[1] - 第三季度净融资收入为14.88亿美元,较上一季度下降0.47%[7] - 第三季度其他收入为6.15亿美元,较上一季度增加21.78%[7] - 第三季度信贷损失准备金为6.45亿美元,较上一季度增加41.15%[7] - 第三季度调整后每股收益为0.95美元,较上一季度下降2.06%[7] - 第三季度调整后净利息收益率为3.22%,较上一季度下降0.05个百分点[7] - 第三季度调整后效率比率为52.1%,较上一季度下降1.1个百分点[7] - 第三季度普通股股东应占净利润为3.30亿美元,较上一季度增加24.06%[7] - 公司第三季度总融资收入和其他利息收入为35.74亿美元,较上一季度增加3.6亿美元[8] - 第三季度净融资收入为14.88亿美元,较上一季度下降700万美元[8] - 第三季度其他收入为6.15亿美元,较上一季度增加1.1亿美元[8] - 第三季度拨备金为6.45亿美元,较上一季度增加1.88亿美元[8] - 第三季度非利息支出为12.25亿美元,较上一季度减少6100万美元[8] - 第三季度税前利润为2.33亿美元,较上一季度下降2400万美元[8] - 第三季度净利润为3.57亿美元,较上一季度增加6300万美元[8] - 第三季度核心税前利润为1.88亿美元,较上一季度下降1.11亿美元[8] - 第三季度股票公允价值变动损失为5900万美元,较上一季度下降8700万美元[8] - 第三季度重组费用为0,较上一季度减少1000万美元[8] 资产负债表 - 总资产为1,929.81亿美元,较上季度增加4.5亿美元[9] - 现金及现金等价物为86.16亿美元,较上季度增加12.47亿美元[9] - 贷款净额为1,338.01亿美元,较上季度减少14.1亿美元[9] - 存款负债为1,519.5亿美元,较上季度减少2.04亿美元[9] - 长期债务为168.07亿美元,较上季度增加8.28亿美元[9] - 股东权益为147.25亿美元,较上季度增加8.74亿美元[9] 业务板块表现 - 汽车金融业务税前利润较上年同期下降20.2亿美元[11] - 保险业务税前利润较上年同期增加1.18亿美元[11] - 经销商金融服务业务税前利润较上年同期下降8.4亿美元[11] - 公司金融业务税前利润较上年同期增加1.1亿美元[11] - 抵押贷款金融业务税前利润较上年同期增加100万美元[11] - 公司及其他业务税前利润较上年同期增加7.7亿美元[11] - 核心税前利润较上年同期下降1.38亿美元[11] 资产质量 - 公司预计未来将继续保持稳健的信贷质量和资产组合[12] - 30天以上逾期贷款占比为2.82%,较上一季度上升0.13个百分点[19] - 60天以上逾期贷款占比为0.85%,较上一季度上升0.07个百分点[19] - 不良贷款余额为12.66亿美元,较上一季度增加0.51亿美元[19] - 净核销金额为5.17亿美元,较上一季度增加0.82亿美元[19] - 贷款损失准备金为37亿美元,较上一季度增加1.28亿美元[19] - 30天以上逾期零售合同贷款占比为4.51%,较上一季度上升0.18个百分点[19] - 60天以上逾期零售合同贷款占比为1.35%,较上一季度上升0.09个百分点[19] 资本充足性 - 公司资本充足率为XX%,高于监管要求[17] - 风险加权资产为1562亿美元,较上季度减少13亿美元[21] - 普通股权一级资本比率为9.8%,较上季度上升0.2个百分点[21] - 股东权益为147亿美元,较上季度增加8亿美元[21] - 普通股权一级资本为153亿美元,较上季度增加2亿美元[21] - 一级资本为176亿美元,较上季度增加2亿美元[21] - 总资产为1930亿美元,较上季度增加5亿美元[21] 流动性 - 公司流动性充足,存款余额为XX亿美元[18] - 可用流动性总额为679亿美元,较上季度增加36亿美元[22] - 银行存款总额为1519.5亿美元,较上季度减少2.04亿美元[22] - 零售存款占比为93%,较上季度上升1个百分点[22] - 平均零售存款利率为4.18%,与上季度持平[22] 其他 - 公司将持续投资于新产品和技术研发,以提升竞争力[12] - 公司正在进行债务重组和战略性活动,以降低高成本的遗留债务[19] - 公司使用无形资产调整后的有形普通股权作为资本充足性的评估指标之一[20] - 公司进一步调整有形普通股权以计算核心有形普通股权收益率[20] - 公司调整了非利息费用、其他收入、总净收入、每股收益、有形股东权益和税前利润的计算方法,剔除了非经常性项目[1][2][3][4][5][6][7][8][12][13][18][20] - 公司采用了CECL过渡期规则,将CECL的资本影响分5年逐步确认[15]
Ally Financial reports third quarter 2024 financial results
Prnewswire· 2024-10-18 19:25
CHARLOTTE, N.C., Oct. 18, 2024 /PRNewswire/ -- Ally Financial Inc. (NYSE: ALLY) today reported its third quarter 2024 results. View full press release in PDF.The news release, presentation and financial supplement can be accessed in the following ways:Ally Financial Press Room at https://media.ally.comAlly Financial Investor Relations website at https://ally.com/about/investor/Ally will host a conference call at 9 a.m. ET to review the company's performance. The call will include a review of the results, fo ...
New Strong Sell Stocks for October 17th
ZACKS· 2024-10-17 19:31
Here are three stocks added to the Zacks Rank #24 (Strong Sell) List today:Ally Financial Inc. (ALLY) is a digital financial-services company. The Zacks Consensus Estimate for its current year earnings has been 21.9% downward over the last 60 days.ArcBest Corporation (ARCB) is a freight transportation and integrated logistics services company. The Zacks Consensus Estimate for its current year earnings has been revised 5.6% downward over the last 60 days.The Boeing Company (BA) is the largest aerospace compa ...
Should Ally Financial Stock be in Your Portfolio Ahead of Q3 Earnings?
ZACKS· 2024-10-16 21:35
Ally Financial (ALLY) , a leading auto lender and provider of other consumer loans, is slated to announce third-quarter 2024 results on Oct. 18, before the opening bell. Some of ALLY’s close peers – Navient (NAVI) and OneMain Holdings (OMF) – are scheduled to report the quarterly numbers on Oct. 30. Stay up-to-date with all quarterly releases: See Zacks Earnings Calendar.Ally Financial’s second-quarter performance was not so impressive. The company’s main revenue source — net financing revenues — declined 5 ...
What Analyst Projections for Key Metrics Reveal About Ally Financial (ALLY) Q3 Earnings
ZACKS· 2024-10-15 22:16
文章核心观点 - 根据分析师预测,Ally Financial公司即将公布的季度财报中,每股收益将同比下降33.7%至0.55美元,但营收将同比增长4.8%至20.6亿美元[1] - 过去30天内,分析师对该季度每股收益的预测已下调14.8%,反映了分析师对公司业绩的集体重新评估[1] - 分析师对Ally Financial公司的关键财务指标做出了预测,为投资者提供了有价值的洞见[2][3][4] 根据相关指标分别总结 贷款和利息收入 - 'Gain on mortgage and automotive loans, net'预计将同比增长42.8%至5.71百万美元[2] - 'Net financing revenue'预计将同比下降1.8%至15.1亿美元[2] - 'Total financing revenue and other interest income'预计将同比增长0.5%至36.1亿美元[3] 其他收入 - 'Total other revenue'预计将同比增长26.9%至5.52亿美元[2] - 'Insurance premiums and service revenue earned'预计将同比增长7.6%至3.44亿美元[3] - 'Other income, net of losses'预计将同比增长4.2%至1.58亿美元[3] 财务指标 - 'Net interest margin (as reported)'预计为3.3%,去年同期为3.2%[3] - 'Efficiency Ratio'预计为58.5%,去年同期为62.6%[3] - 'Total interest-earning assets (Average Balances)'预计为1,837亿美元,去年同期为1,879亿美元[4] - 'Non-performing loans (NPLs)'预计为12.3亿美元,去年同期为15亿美元[4] - 'Total Capital Ratio'预计为12.6%,去年同期为12.5%[4] - 'Tier 1 Capital Ratio'预计为10.9%,去年同期为10.7%[4]
New Strong Sell Stocks for October 11th
ZACKS· 2024-10-11 16:35
Here are three stocks added to the Zacks Rank #5 (Strong Sell) List today:Ally Financial (ALLY) is a diversified financial services company providing several financial products and services to automotive dealers and their customers. The Zacks Consensus Estimate for its current year earnings has been revised almost 18.2% downward over the last 60 days.Avis Budget Group (CAR) operates as a leading vehicle rental operator in North America, Europe and Australasia. The Zacks Consesnsus Estimate for its current y ...
2 Top Dividend Stocks to Buy in October
The Motley Fool· 2024-10-11 15:32
文章核心观点 - 文章介绍了两家优质的高股息公司:Ally Financial和Prudential Financial [1] - 这两家公司在当前动荡的市场环境中提供了高收益 [1] Ally Financial - Ally Financial是一家拥有百年历史的数字银行,是美国最大的全数字银行和最大的优质汽车贷款公司 [2] - 联储降息对Ally Financial有利,因为可以提高利差收益 [2][3] - Ally Financial的股息收益率较高,目前达到3.4% [3][4] - Ally Financial有着丰富的从业经验,不会轻易犯错,即使出现贷款违约率上升也能应对 [3] Prudential Financial - Prudential Financial是一家历史悠久的保险和财富管理公司,在美国以外的50个国家拥有5000万客户,管理着1.5万亿美元的资产 [5][6] - Prudential Financial的退休策略和私募投资业务增长强劲 [5] - Prudential Financial是一家稳健的高股息股票,过去5年股息增长30%,目前股息收益率达4.3% [7] - Prudential Financial的信用管理能力较强,能够在各种经济环境下保持稳定的股息支付 [7]