Ally Financial Inc. (ALLY)

NYQ – Real Time Price. Currency in USD

42.84

+0.10 (0.23%)

At close: May 12, 2026, 4:00 PM EDT

Stock details

Previous close: 42.971$
Day's range: 42.71 - 44.5$
52-week range: 32.5 - 47.27$
Volume: 944 585
Average volume: 2 756 332
Beta: 1.45
EPS (TTM): 4.14
PE ratio (TTM): 10.47
Forward P/E: 8.06
Market cap: 13 171 603 395
Shares outstanding: 306 523 083
Dividend yield: $2.71 (2.71%)
Next earnings date: 2026-07-22
Sector: Financials
Industry: Credit Services

About the company

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations. It offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing deale... read more

CEO: Michael Rhodes
Country: United States
IPO Date: 2014-01-28
Employees: 10300
Fiscal Year End: January - December
Website: https://www.ally.com

Revenue Breakdown

Automotive Finance / 70.41%

Insurance / 21.80%

Corporate Finance / 6.80%

News

No Data

There are no news for this stock.

Chart: ALLY

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Overall Score

6 / 1060%

Financial Strength

6.4

Profitability

Effectiveness

3.3

Growth

5.8

Forecast

7.9

Valuation

8.2

Dividend

5.3

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $21.6B

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (1.4) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $666.0M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	1.45	10.91	7.0
Quick ratio	N/A	10.10	1.0
Debt to Equity	1.38	3.44	5.0
Debt to Assets	0.11	1.99	9.0
Interest coverage	N/A	71.90	10
Weighted average score			6.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	12.29B	15.86B	16.35B	15.13B	15.62B
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	2.01B	1.04B	802M	1.30B	1.68B
Net Income	1.71B	957M	668M	852M	1.40B
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	64.01	1.0
Operating margin %	16.29	0.03	8.0
Net margin %	13.23	-121.55	10
EBITDA margin %	N/A	-20.51	1.0
Cash flow margin %	34.89	-144.24	10
Weighted average score			6.0

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.45	-153.95	2.0
ROE	5.89	41.47	5.0
ROIC	3.11	-22.19	5.0
ROCE	N/A	-1.81	1.0
Weighted average score			3.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	6.45	28.47	7.5
Next quarter	6.04	25.8	7.5
Current year	13.56	40.01	9.0
Next year	6.79	21.63	7.5
Weighted average score			7.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	0.15	-2.44	1.83	378.66	4.0
Y/Y	14.15	241.78	91.38	879.41	9.5
3y average	8.21	-15.59	-3.48	-100.93	2.3
5y average	7.86	18.25	28.82	6.43	7.5
Weighted average score					5.8

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	10.74	-29.69	8.0
PEG (5yr expected)	0.49	0.88	10
P/S	1.48	102.37	7.6
P/B	1.02	-0.46	7.0
Weighted average score			8.2

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR1.73%

FCF 5 year CAGR4

Fair value40.08$

Stock price42.73$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.97	2.97	7.0
Payout ratio	22.33	22.33	4.0
5-year dividend growth rate	9.57	9.57	9.0
Years of dividend increase	0.00	0.00	1.0
Weighted average score			5.3

Fair Value

$40.08

UndervaluedStock priceOvervalued

$42.73

Economic Moat

NAME	SCALE	SCORE
Market share	Medium	6.0
Intangible assets	Medium	6.0
Switching costs	Narrow	4.0
Network effect	Narrow	2.0
Economies of scale	Medium	7.0
Weighted average score		5.0

About the company

CEO

Michael Rhodes

Country

United States

IPO Date

2014-01-28

Employees

10300

Fiscal Year End

January - December

Website

https://www.ally.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

1.45

10.91

7.0

Quick ratio

N/A

10.10

1.0

Debt to Equity

1.38

3.44

5.0

Debt to Assets

0.11

1.99

9.0

Interest coverage

N/A

71.90

Weighted average score

6.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

12.29B

15.86B

16.35B

15.13B

15.62B

Gross Profit

N/A

Operating Income

2.01B

1.04B

802M

1.30B

1.68B

Net Income

1.71B

957M

668M

852M

1.40B

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

64.01

1.0

Operating margin %

16.29

0.03

8.0

Net margin %

13.23

-121.55

EBITDA margin %

N/A

-20.51

1.0

Cash flow margin %

34.89

-144.24

Weighted average score

6.0

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.45

-153.95

2.0

ROE

5.89

41.47

5.0

ROIC

3.11

-22.19

5.0

ROCE

N/A

-1.81

1.0

Weighted average score

3.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

6.45

28.47

7.5

Next quarter

6.04

25.8

7.5

Current year

13.56

40.01

9.0

Next year

6.79

21.63

7.5

Weighted average score

7.9

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

0.15

-2.44

1.83

378.66

4.0

Y/Y

14.15

241.78

91.38

879.41

9.5

3y average

8.21

-15.59

-3.48

-100.93

2.3

5y average

7.86

18.25

28.82

6.43

7.5

Weighted average score

5.8

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

10.74

-29.69

8.0

PEG (5yr expected)

0.49

0.88

P/S

1.48

102.37

7.6

P/B

1.02

-0.46

7.0

Weighted average score

8.2

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.97

7.0

Payout ratio

22.33

4.0

5-year dividend growth rate

9.57

9.0

Years of dividend increase

0.00

1.0

Weighted average score

5.3

NAME

SCALE

SCORE

Market share

Medium

6.0

Intangible assets

Medium

6.0

Switching costs

Narrow

4.0

Network effect

Narrow

2.0

Economies of scale

Medium

7.0

Weighted average score

5.0

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Ally Financial Inc. (ALLY)

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Ally Financial Inc. (ALLY)

Stock details

About the company

Revenue Breakdown

News

Chart: ALLY

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$40.08

$42.73

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: ALLY

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$40.08

$42.73

Economic Moat