GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Ally Financial Inc (NYSE:ALLY) » Definitions » Cyclically Adjusted Price-to-FCF

Ally Financial (Ally Financial) Cyclically Adjusted Price-to-FCF : 86.60 (As of May. 31, 2024)


View and export this data going back to 2013. Start your Free Trial

What is Ally Financial Cyclically Adjusted Price-to-FCF?

As of today (2024-05-31), Ally Financial's current share price is $38.97. Ally Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 was $0.45. Ally Financial's Cyclically Adjusted Price-to-FCF for today is 86.60.

The historical rank and industry rank for Ally Financial's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

ALLY' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 4.47   Med: 10.32   Max: 89.16
Current: 85.31

During the past years, Ally Financial's highest Cyclically Adjusted Price-to-FCF was 89.16. The lowest was 4.47. And the median was 10.32.

ALLY's Cyclically Adjusted Price-to-FCF is ranked worse than
92.31% of 104 companies
in the Credit Services industry
Industry Median: 9.895 vs ALLY: 85.31

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Ally Financial's adjusted free cash flow per share data for the three months ended in Mar. 2024 was $2.049. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $0.45 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Ally Financial Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Ally Financial's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Ally Financial Cyclically Adjusted Price-to-FCF Chart

Ally Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.68 - - - -

Ally Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - - 90.41

Competitive Comparison of Ally Financial's Cyclically Adjusted Price-to-FCF

For the Credit Services subindustry, Ally Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Ally Financial's Cyclically Adjusted Price-to-FCF Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Ally Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Ally Financial's Cyclically Adjusted Price-to-FCF falls into.



Ally Financial Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Ally Financial's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=38.97/0.45
=86.60

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Ally Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, Ally Financial's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2024 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=2.049/131.7762*131.7762
=2.049

Current CPI (Mar. 2024) = 131.7762.

Ally Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201406 -4.646 100.560 -6.088
201409 -3.405 100.428 -4.468
201412 -2.420 99.070 -3.219
201503 -2.486 99.621 -3.288
201506 1.232 100.684 1.612
201509 2.378 100.392 3.121
201512 -0.250 99.792 -0.330
201603 1.034 100.470 1.356
201606 0.953 101.688 1.235
201609 0.548 101.861 0.709
201612 0.135 101.863 0.175
201703 0.604 102.862 0.774
201706 -0.386 103.349 -0.492
201709 0.940 104.136 1.190
201712 -1.128 104.011 -1.429
201803 0.292 105.290 0.365
201806 -0.522 106.317 -0.647
201809 1.062 106.507 1.314
201812 0.212 105.998 0.264
201903 0.712 107.251 0.875
201906 -0.535 108.070 -0.652
201909 0.308 108.329 0.375
201912 -0.441 108.420 -0.536
202003 -0.862 108.902 -1.043
202006 -1.232 108.767 -1.493
202009 0.438 109.815 0.526
202012 0.108 109.897 0.130
202103 -0.262 111.754 -0.309
202106 -3.498 114.631 -4.021
202109 0.707 115.734 0.805
202112 0.201 117.630 0.225
202203 2.057 121.301 2.235
202206 3.018 125.017 3.181
202209 1.809 125.227 1.904
202212 1.588 125.222 1.671
202303 2.277 127.348 2.356
202306 2.718 128.729 2.782
202309 3.229 129.860 3.277
202312 -1.963 129.419 -1.999
202403 2.049 131.776 2.049

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Ally Financial  (NYSE:ALLY) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Ally Financial Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Ally Financial's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Ally Financial (Ally Financial) Business Description

Traded in Other Exchanges
Address
500 Woodward Avenue, Floor 10, Ally Detroit Center, Detroit, MI, USA, 48226
Formerly the captive financial arm of General Motors, Ally Financial became an independent publicly traded firm in 2014 and is one of the largest consumer auto lenders in the country. While the firm has expanded its product offerings over time, it remains primarily focused on auto lending with more than 70% of its loan book in consumer auto loans and dealer financing. Ally also offers auto insurance, personal loans, commercial loans, credit cards, and holds a portfolio of mortgage debt, giving the bank a diversified business model, which includes brokerage services.
Executives
David J Debrunner officer: VP, CAO, Controller
Thomas P Gibbons director THE BANK OF NEW YORK MELLON CORPORATION, 225 LIBERTY STREET, NEW YORK NY 10286
Russell E. Hutchinson officer: Chief Financial Officer C/O ALLY FINANCIAL INC., 500 WOODWARD AVE., 10TH FLOOR, DETROIT MI 48226
Marjorie Magner director GANNETT CO., INC., 7950 JONES BRANCH DRIVE, MCLEAN VA 22107
Bradley J. Brown officer: Interim CFO C/O ALLY FINANCIAL INC., 500 WOODWARD AVE., 10TH FLOOR, DETROIT MI 48226
Melissa Goldman director C/O ALLY FINANCIAL INC, 500 WOODWARD AVE, 10TH FLOOR, DETROIT MI 48226
David Reilly director C/O ALLY FINANCIAL INC., 500 WOODWARD AVE, 10TH FLOOR, DETROIT MI 48226
Jason E. Schugel officer: Chief Risk Officer ALLY DETROIT CENTER, 500 WOODWARD AVENUE, DETROIT MI 48226
Douglas R. Timmerman officer: President, Auto Finance ALLY DETROIT CENTER, 500 WOODWARD AVENUE, DETROIT MI 48226
Diane E. Morais officer: CEO & President, Ally Bank ALLY FINANCIAL INC., 440 SOUTH CHURCH STREET, CHARLOTTE NC 28202
Scott A Stengel officer: General Counsel 1010 GRAND BLVD, KANSAS CITY MO 64106
Jeffrey Jonathan Brown officer: Sr Executive Vice President C/O ALLY FINANCIAL INC., 200 RENAISSANCE CENTER, DETROIT MI 48265
Jennifer A. Laclair officer: Chief Financial Officer ALLY DETROIT CENTER, 500 WOODWARD AVENUE, DETROIT MI 48226
Mayree C Clark director C/O ALLY FINANCIAL INC., 200 RENAISSANCE CENTER, DETROIT MI 48265
Hobbs Franklin W Iv director 1801 CALIFORNIA STREET, SUITE 4600, DENVER CO 80202