Why I like this value pick:

-core business: auto lending, which is a predictable business

-reasonable valuation

-tested business model (great relationship with auto dealers: GM, STLA

-transformation phase (Ally online bank, Investment platform, mortgage originations) - decreasing dependency on auto loans

-acquisition of FairSquareFinancial, a digital-first credit card company will boost bottom line: CC businesses are cash-machines

-Satisfied employees (Glassdoor 3.9 out of 5)

-Poised to benefit from rate hikes

Why I’m not buying yet:

-still heavily dependent on auto loans (concentration risk)

-slowing car sales (much of that is already priced in…I don’t know how much though)

-heavy competition in other offerings such as online banking