Discounted Cash Flow
Ally Financial Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $5.4b | $1.1b | $4.6b | 19.6% | $2.15 |
| 2017 | $5.8b (6.0%) | $929.0m (-12.9%) | $4.1b (-10.7%) | 16.1% (-17.9%) | $2.05 (-4.7%) |
| 2018 | $689.0m (-88.0%) | $1.3b (36.0%) | $4.2b (1.7%) | 183.3% (1037.5%) | $2.97 (44.9%) |
| 2019 | $727.0m (5.5%) | $1.7b (35.8%) | $4.0b (-2.4%) | 235.9% (28.7%) | $4.36 (46.8%) |
| 2020 | $753.0m (3.6%) | $1.1b (-36.7%) | $3.7b (-7.7%) | 144.1% (-38.9%) | $2.89 (-33.7%) |
| 2021 | $852.0m (13.1%) | $3.1b (182.0%) | $4.0b (8.1%) | 359.2% (149.3%) | $8.28 (186.5%) |
| 2022 | $908.0m (6.6%) | $1.7b (-44.0%) | $2.7b (-32.8%) | 188.8% (-47.4%) | $5.06 (-38.9%) |
| 2023 | $968.0m (6.6%) | $1.0b (-40.5%) | $1.8b (-33.8%) | 105.4% (-44.2%) | $3.00 (-40.7%) |
| 2024 | $1.2b (23.8%) | $668.0m (-34.5%) | $1.1b (-40.6%) | 55.8% (-47.1%) | $1.82 (-39.3%) |
| 2025 | $1.2b (3.8%) | $852.0m (27.5%) | $-546.0m (-151.1%) | 68.5% (22.8%) | $2.39 (31.3%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.