(ALLY) Ally Financial - Ratings and Ratios

Ally Financial Inc. is a prominent digital financial-services company that offers a wide range of financial products and services across the United States, Canada, and Bermuda. The company's operations are divided into several key segments, including Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. Through its Automotive Finance Operations segment, Ally Financial provides an array of automotive financing services, such as retail installment sales contracts, loans, and operating leases, as well as term loans to dealers and financing for dealer floorplans. Additionally, the company offers fleet financing and vehicle-remarketing services, catering to the diverse needs of its clients.

The Insurance Operations segment is another crucial component of Ally Financial's business, providing consumer finance protection and insurance products through the automotive dealer channel. This segment also offers commercial insurance products directly to dealers, including vehicle service and maintenance contracts, guaranteed asset protection products, and underwrites commercial insurance coverages that primarily insure dealers' vehicle inventory. By offering these products and services, Ally Financial is able to provide comprehensive support to its clients in the automotive industry. Furthermore, the company's Mortgage Finance Operations segment manages a substantial consumer mortgage loan portfolio, comprising bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings.

Ally Financial's Corporate Finance Operations segment provides a range of financial services, including senior secured leveraged cash flow and asset-based loans to middle market companies, leveraged loans, and commercial real estate products. These products and services are designed to serve companies in various sectors, such as nursing facilities, senior housing, and medical office buildings. The company also offers commercial banking products and services, as well as securities brokerage and investment advisory services, further expanding its capabilities and reach. With a history dating back to 1919, Ally Financial Inc. has evolved significantly over the years, having formerly been known as GMAC Inc. before changing its name in May 2010. Today, the company is headquartered in Detroit, Michigan, and can be found online at https://www.ally.com, with its common stock listed under the ISIN US02005N1000 and classified under the GICS Sub Industry of Consumer Finance.