ALLY
ALLY
Ally Financial Inc.
$37.59
-0.24% 2026-10-19
FinancialsS&P 400
ALLYSPY
1W
-0.8%
1M
-6.0%
3M
-16.8%
6M
-17.7%
YTD
-15.3%
1Y
-2.9%
Grades vs sector
Momentum27th pct in sectorD+
Momentum
27th pct in sector
12-1 return: -1.4%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Growth50th pct in sectorC+
Growth
50th pct in sector
Revenue growth (YoY): +11.0%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Value93rd pct in sectorA
Value
93rd pct in sector
Forward E/P: 16.3% · EBITDA/EV: –
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Profitability35th pct in sectorC-
Profitability
35th pct in sector
Profit margin: +18.4% · Return on equity: +9.7%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Revisionsno data–
Revisions
no data
EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.
30-day change in analysts' current-year EPS estimate; graded across covered stocks.
Our models
Not held by any of our 3 live models right now.
Momentum Top 15
not ranked (outside this model's universe or screens)
Quality Growthnot ranked (outside this model's universe or screens)
Momentum Blendnot in the current book
Key stats
Market cap$11.4B
P/E (trailing)8.8
P/E (forward)6.1
52-week range35.92 – 47.29
Revenue growth (YoY, latest qtr)+11.0%
Dividend yield3.18%
Analyst consensusBuy (18)
Mean price target$48.78 (+30%)
Valuation & fundamentals
Bottom line
Looks undervalued
Model read-out from the numbers below, not advice. Score +4 (DCF counts double).
▲DCF (base case)above the price by 398%
▲Forward P/E vs sector6.1x vs median 10.2x
•Piotroski F-score4/9
▲Analyst target+30% (18 analysts)
Discounted cash flow
Bear
$103
+174%
growth -1% · disc. 10.7% · term. 2.0%
Base
$187
+398%
growth 4% · disc. 9.7% · term. 2.5%
Bull
$298
+693%
growth 7% · disc. 8.7% · term. 3.0%
A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.
Reverse DCFfor context, not a signal
A normal DCF guesses future cash flows and works out a price. A reverse DCF runs it backwards: it starts from today's price and asks how fast free cash flow would have to grow to justify it. It tells you what the market is assuming, not whether the stock is cheap or expensive, and it is not a buy or sell signal. Glossary
Not meaningful for consumer finance: for banks, insurers and lenders, cash moving through loans and deposits swamps "free cash flow". Book value and earnings are better guides.
Edit assumptions · recalculates instantly
Your value per share–
Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 1.10 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.
Multiples vs Financials
P/E (trailing)
cheaper
sector median 13.0× · 12th pct
8.8×cheaper
Forward P/E
cheaper
sector median 10.2× · 7th pct
6.1×cheaper
EV / EBITDA
sector median 10.9×
–Price / sales
cheaper
sector median 2.8× · 24th pct
1.3×cheaper
Price / book
cheaper
sector median 1.6× · 5th pct
0.7×cheaper
FCF yield
cheaper
sector median 8.2% · 96th pct
39.9%cheaper
Forward EPS $6.14 vs trailing $4.25 (+45% expected growth). Forward P/E uses analysts' next-12-month estimate.
Quality & financial health
Gross margin
–
Operating margin
–
FCF margin
52.6%
Net margin
16.8%
Return on equity
9.4%
Return on invested capital
–
Net debt / EBITDA
–
Current ratio
–
Interest cover
–
Cash conversion (OCF/NI)
3.1×
Piotroski F-score 4/9 · last two fiscal years
✓ Positive net income✓ Positive operating cash flow✓ Return on assets improved✓ Cash flow above net income✗ Long-term debt / assets fell✗ Current ratio improved✗ No share dilution✗ Gross margin improved✗ Asset turnover improved
Analysts
Mean target
$49
+30%
Analysts
18
Buy
Range
$40–$58
low – high
● price · ◆ mean target
Annual history
| FY | Revenue | Net income | Free cash flow |
|---|---|---|---|
| 2025 | $7.9B | $852.0M | $3.7B |
| 2024 | $8.2B | $668.0M | $4.5B |
| 2023 | $8.2B | $957.0M | $4.6B |
| 2022 | $8.4B | $1.7B | $6.2B |
| 2021 | $8.2B | $3.1B | $4.0B |
| 2020 | $6.7B | $1.1B | $3.7B |
From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR -2.1%.
Earnings
Next report: 2026-10-20 · before open · EPS est 1.33
EstimateActual (beat)Actual (miss)
| Report | EPS est | Actual | Surprise |
|---|---|---|---|
| 2026-07-21 | 1.22 | 1.21 | -1.0% |
| 2026-04-17 | 0.94 | 1.11 | +17.9% |
| 2026-01-21 | 1.02 | 1.09 | +6.5% |
| 2025-10-17 | 1.01 | 1.15 | +14.1% |
| 2025-07-18 | 0.81 | 0.99 | +22.1% |
| 2025-04-17 | 0.07 | -0.82 | -1322.1% |
| 2025-01-22 | 0.58 | 0.78 | +34.3% |
| 2024-10-18 | 0.52 | 0.95 | +81.3% |
Quarterly revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 2026-06-30 | $2.5B | +11.4% |
| 2026-03-31 | $2.4B | – |
| 2025-12-31 | $2.4B | – |
| 2025-09-30 | $2.4B | – |
| 2025-06-30 | $2.3B | – |
Analyst actions
Morgan Stanley
PT $43
2026-10-12 · down
Overweight → Equal-WeightPT $43
JP Morgan
PT $43
2026-10-12 · main
Overweight → OverweightPT $43
RBC Capital
PT $50
2026-10-09 · main
Outperform → OutperformPT $50
Raymond James
PT $52
2026-10-06 · main
Strong Buy → Strong BuyPT $52
TD Cowen
PT $54
2026-10-06 · main
Buy → BuyPT $54
UBS
PT $50
2026-10-05 · main
Buy → BuyPT $50
Recent dividends
2026-07-31: $0.300 · 2026-05-01: $0.300 · 2026-02-02: $0.300 · 2025-10-31: $0.300 · 2025-08-01: $0.300 · 2025-05-01: $0.300 · 2025-01-31: $0.300 · 2024-11-01: $0.300
Insider trades
Richard Stephanie N
$221.2K
Chief Risk Officer · 2026-08-04
SELL$221.2K
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News
Ally Financial declares dividend on common stock and Series C and Series D preferred stock
PR Newswire · 3h ago
GM and Ally Earnings Preview: What Wall Street Will Learn About the American Car Buyer
24/7 Wall St. · 11h ago
What To Expect From Ally Financial’s (ALLY) Q3 Earnings
StockStory · 19h ago
Ally Financial (ALLY) Stock May Be A Bargain As Downgrades Test Earnings Outlook
Simply Wall St. · Oct 16
Europe Is Zelenskyy’s Only Ally Now, Latvian Leader Says
Bloomberg · Oct 16
What Would You Have Needed To Notice In GM Stock?
Trefis · Oct 15
Market Caution on Consumer Credit Weighs on Ally Financial (ALLY) Shares
Insider Monkey · Oct 15
Ally Financial to present at the BancAnalysts Association of Boston Conference
PR Newswire · Oct 15
Ally Charitable Foundation Invests in Economic Mobility Across Detroit and Charlotte
PR Newswire · Oct 15
Analysts Estimate Sallie Mae (SLM) to Report a Decline in Earnings: What to Look Out for
Zacks · Oct 15
Stats refreshed 2026-10-19 19:02:03 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now
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