Ally Financial ALLY Deferred Revenue Timing Period

Segments

Noninsurance contracts$0—

Revenue$2.1B+36.4%

Net income$319.0M+242%

EPS (diluted)$0.93+213%

Cash & equivalents$11.2B-1.6%

Total debt$22.8B+26.9%

Total equity$15.6B+9.7%

Total assets$197.27B+2.0%

Operating cash flow$1.4B+45.9%

CapEx-—

Free cash flow$1.1B-2.9%

Market cap$14.2B+25.1%

Enterprise value$25.73B+44.0%

P/E10.2×-27.7×

P/S1.7×+0.2×

Net margin16.5%+12.6pp

FCF margin55.3%—

Return on equity9.4%+7.2pp

Debt / equity1.5×+0.2×