What does NJ — commercial concentration risk mean?

The percentage of the company's total loan portfolio that is concentrated in the New Jersey market.

How do you interpret NJ — commercial concentration risk?

An increase suggests higher exposure to regional economic volatility in New Jersey, while a decrease indicates greater geographic diversification of the credit portfolio.

How does NJ — commercial concentration risk compare across companies?

Peers typically monitor geographic concentration ratios to ensure compliance with internal risk appetite limits and to mitigate the impact of localized economic shocks.

Ally Financial ALLY NJ — Commercial Concentration Risk

Discontinued — last reported Q4 '18

Similar metrics at other companies

MIT

MITTNew Jersey — Concentration Risk, Percentage

5%0.0pp

NREFNew Jersey — % of loan portfolio

2.8%—

FNFNew Jersey — % of Total

10%+2.0pp

CIMNJ — Weighted average geographic concentration of top four states

4.7%0.0pp

NYM

NYMTNew Jersey — Geographic concentration, percent

——

CRBGNew Jersey — Percentage of mortgage loans in geographic area

——

Other financials

Income statement

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Revenue$2.1B+36.4%

Net income$319.0M+242%

EPS (diluted)$0.93+213%

Balance sheet

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Cash & equivalents$11.2B-1.6%

Total debt$22.8B+26.9%

Total equity$15.6B+9.7%

Total assets$197.27B+2.0%

Cash flow

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Operating cash flow$1.4B+45.9%

CapEx-—

Free cash flow$1.1B-2.9%

Valuation

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Market cap$13.94B+7.8%

Enterprise value$25.47B+33.3%

P/E10×-33.1×

P/S1.7×0.0×

Profitability

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Net margin16.5%+12.6pp

FCF margin55.3%—

Returns & leverage

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Return on equity9.4%+7.2pp

Debt / equity1.5×+0.2×

Where this comes from

Reported directly by Ally Financial in its filing.

Tagged under the XBRL concept ally:CommercialConcentrationRisk.

The official record: Ally Financial’s 10-K, filed February 20, 2019, on SEC EDGAR. View the filing →

Questions, answered.

What does NJ — commercial concentration risk mean?: The percentage of the company's total loan portfolio that is concentrated in the New Jersey market.
How do you interpret NJ — commercial concentration risk?: An increase suggests higher exposure to regional economic volatility in New Jersey, while a decrease indicates greater geographic diversification of the credit portfolio.
How does NJ — commercial concentration risk compare across companies?: Peers typically monitor geographic concentration ratios to ensure compliance with internal risk appetite limits and to mitigate the impact of localized economic shocks.