Ally Financial Inc. ALLY

38.79 0.05 0.13% as of 25 Sep
Market cap
$11.8B
P/E
9.0×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 1.49
Total sells 3.41
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — 2 — — — — — — — —
Sell 1 — — — — — 1 1 — — 1 —
Insider Ownership 2.12%

Capital & Financial Ratios

Market Cap 11,780.00
Revenue 15,866.00
Net Income 1,454.00
Free Cash Flow 4,566.00
Net Debt 9,213.00
Current Ratio 0.92
Debt/Equity 1.10
P/E ratio 9.04
P/S ratio 0.75
P/B ratio 0.89
Past 5Y EPS Growth (16.14%)
This Y EPS Growth 36.86%
Next Y EPS Growth 22.47%
Next 5Y EPS Growth 23.15%
in millions of $

Dividends

Payout Ratio 0.32
Annual Dividend Rate 1.20
Annual Dividend Yield 3.34%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.19
0.30
0.30
0.30
2025 1.20
0.30
0.30
0.30
0.30
2024 1.20
0.30
0.30
0.30
0.30
2023 1.20
0.30
0.30
0.30
0.30
2022 1.20
0.30
0.30
0.30
0.30
2021 0.88
0.19
0.19
0.25
0.25
2020 0.76
0.19
0.19
0.19
0.19
2019 0.68
0.17
0.17
0.17
0.17
2018 0.56
0.13
0.13
0.15
0.15
2017 0.40
0.08
0.08
0.12
0.12
2016 0.16
0.08
0.08
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 6,945 10,292 10,030 7,840
Receivables — — — —
Inventory — — — —
Other — — — —
145,946 145,558 147,387 151,203
2023 2024 2025 Q'26
Payables 154,666 151,574 151,649 154,046
ST’ Debt — — — —
Other — — — —
161,547 156,903 159,778 163,535
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 4.81% 7.20% 7.75%
Cash Flow (3.10%) (0.05%) (15.80%)
Earnings 0.00% (7.32%) (24.35%)
Book Value 1.44% 1.06% 6.42%

Revenue

Mar Jun Sep Dec Year
’26 3,887 4,067 — — —
’25 3,456 3,891 3,971 3,941 15,259
’24 4,112 4,043 4,189 4,045 16,389
’23 3,784 3,960 4,030 4,197 15,971
’22 2,753 2,762 3,058 3,626 12,199
’21 2,657 2,665 2,568 2,800 10,690
’20 2,617 2,733 2,629 2,801 10,780
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 1,371 1,353 — — —
’25 940 947 1,202 640 3,729
’24 1,266 1,454 857 951 4,528
’23 1,432 1,588 1,660 (123) 4,557
’22 1,641 1,831 1,602 1,173 6,247
’21 1,170 452 1,461 959 4,042
’20 814 348 1,442 1,135 3,739
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 1,371 1,353 — — —
’25 940 947 1,202 640 3,729
’24 1,266 1,454 857 951 4,528
’23 1,432 1,588 1,660 (123) 4,557
’22 1,641 1,831 1,602 1,173 6,247
’21 1,170 452 1,461 959 4,042
’20 814 348 1,442 1,135 3,739
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.93 1.18 — — —
’25 (0.82) 1.04 1.18 0.95 2.37
’24 0.42 0.86 0.64 0.26 1.80
’23 0.96 0.99 0.88 0.16 2.98
’22 1.86 1.40 0.88 0.83 5.03
’21 2.11 2.41 1.89 1.79 8.22
’20 (0.85) 0.64 1.26 1.82 2.88
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
14.55 18.11 20.60 22.08 10.22 35.30 22.34 21.59 31.78 29.52

Analyst estimates 2026–2028

Powerpack
Low Price
20.60 29.50 31.29 35.42 35.92 56.61 53.83 35.78 45.46 46.79
High Price
7,600 7,900 8,200 8,700 9,500 9,500 11,600 11,100 10,700 10,300
Employees
1 1 1 1 1 1 1 1 2 1
Revenue/Emp
9,835 9,866 10,466 11,618 10,780 10,690 12,199 15,971 16,389 15,259
Revenue
73.27% 71.04% 65.25% 63.48% 69.92% 82.10% 76.58% 56.82% 54.41% 58.01%
Gross Margin
1,581 1,507 1,622 1,967 1,414 3,855 2,342 1,103 836 1,051
EBT
16.08% 15.27% 15.50% 16.93% 13.12% 36.06% 19.20% 6.91% 5.10% 6.89%
EBT Margin
1,067 929 1,263 1,715 1,085 3,060 1,714 957 668 852
Net Income
2,382 1,859 1,649 1,555 1,600 1,261 1,327 1,376 1,317 1,702
Depreciation
20.44 21.75 24.62 29.54 28.70 29.48 38.52 52.58 53.40 49.22
Revenue/Sh
2.15 2.05 2.97 4.36 2.89 8.28 5.06 3.00 1.82 2.39
Earnings/Sh
9.49 8.99 9.76 10.30 9.95 11.15 19.73 15.00 14.75 12.03
Cash Flow/Sh
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex/Sh
9.49 8.99 9.76 10.30 9.95 11.15 19.73 15.00 14.75 12.03
Free CF/Sh
27.68 29.74 31.21 36.66 39.14 47.02 40.60 45.11 45.30 49.99
Book Value/Sh
481 454 425 393 376 363 317 304 307 310
Shares
8.90 14.36 7.66 7.01 12.38 5.78 4.90 11.83 16.49 18.95
PE Ratio
0.94 1.35 0.92 1.03 1.24 1.61 0.63 0.67 0.67 0.92
PS Ratio
0.69 0.99 0.73 0.83 0.91 1.17 0.73 0.94 0.95 1.07
PB Ratio
5.84 5.41 4.71 3.66 1.83 2.73 1.63 1.34 1.11 1.38
EV/Sales
12.58 13.07 11.88 10.49 5.29 7.23 3.19 4.69 4.03 5.65
EV/FCF
4,567 4,079 4,150 4,050 3,739 4,042 6,247 4,557 4,528 3,729
Op' Cash Flow
(3,274) (4,052) (3,709) (4,023) (4,320) (5,120) (3,532) — — —
Capex
4,567 4,079 4,150 4,050 3,739 4,042 6,247 4,557 4,528 3,729
FCF
31,856 21,200 17,497 4,343 (8,061) (17,185) (16,792) (15,601) (11,345) (12,391)
Working Cap'
54,128 44,226 44,193 34,027 22,006 17,029 17,762 17,570 17,495 17,070
Total Debt
48,194 39,974 39,656 30,472 6,385 11,967 12,191 10,625 7,203 7,040
Net Debt
13,317 13,494 13,268 14,416 14,703 17,050 12,859 13,703 13,903 15,498
Sh' Equity
0.64% 0.56% 0.73% 0.95% 0.60% 1.68% 0.92% 0.44% 0.29% 0.38%
ROA
1.61% 1.76% 1.92% 2.74% 4.19% 8.30% 5.84% 2.83% 2.48% 2.91%
ROIC
7.96% 6.93% 9.44% 12.39% 7.45% 20.80% 13.57% 7.73% 4.86% 6.00%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Ally Financial Inc. peers in Credit Services

All 55 Credit Services stocks →

Ally Financial Inc. (ALLY) key facts

  • Ally Financial Inc. (ALLY) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
  • Ally Financial Inc.’s revenue for fiscal 2025 (year ended December 2025) was $15.3 billion, down 6.89% from fiscal 2024.
  • As of September 25, 2026, ALLY traded at $38.79, a market capitalization of $11.8 billion.
  • Ally Financial Inc. pays an annual dividend of $1.20 per share, a yield of 3.34%, with a payout ratio of 32.3%.
  • Return on equity was 6.00% and debt-to-equity 1.10.

Source: company filings (standardised) and stockrow calculations.

Ally Financial Inc. (ALLY) Latest News

News by impact score

Fine-tune

22 Sep

4

Ally Financial launches Loyally, a fee-free rewards program designed to replace complex point systems with everyday savings, personalized offers, and easy access in the Ally app. Existing bank and auto customers can access loyalty benefits now; new customers can join via eligible Ally accounts. Loyally includes VIP experiences valued up to $10,000, everyday discounts from partners like Spotify and Booking.com, and cash rewards for referrals and new accounts. The program emphasizes no minimum balances, evolving with partnerships and customer feedback, and aims to deepen relationships beyond traditional banking. No-fee, broad-value loyalty program with high-value perks expands Ally's value proposition and could materially affect customer retention and competitive positioning.

19 Sep

3

Ally Financial reaffirms its full-year guidance as margin gains offset pressure from Stellantis lease portfolios. Reaffirmed guidance signals stability while margin gains counter lease-related headwinds.

11 Sep

3

Ally Financial reports Q2 earnings and faces analysis on buy sell or hold recommendation for its stock. Q2 earnings trigger moderate short-term shifts in Ally Financial stock sentiment and positioning.

3 Sep

3

Ally Financial suffered a widespread digital outage that is raising questions over whether the event is changing the investment case for the company. Digital outage risks short-term customer disruption and sentiment shifts for a fintech lender without evidence of lasting strategic or competitive damage.

3

Ally Financial outage tests the company's undervalued narrative amid operational disruption. Outage disrupts operations and challenges market perceptions of undervaluation.

26 Aug

4

Ally Financial Inc. introduces a new benchmark capturing economic factors overlooked by traditional indicators. Ally's new benchmark represents a major strategic move likely to shift market dynamics and investor sentiment.

6 Aug

3

Ally Financial pursues strategy to optimize its brand for AI search recommendations through machine-readable content and positioning. Ally's AI search optimization targets competitive visibility and customer acquisition channels without altering core financial operations.

4 Aug

4

Ally Financial posted strong Q2 results and conducted share buybacks, leading to questions on whether its stock remains undervalued. Strong Q2 results paired with buybacks signal improved financial strength and shareholder returns that can shift valuation and investor sentiment.

3 Aug

4

Ally Financial reports strong Q2 results and a leadership shift, prompting reassessment of the bull case for the stock. Strong Q2 results combined with leadership change at Ally Financial point to material shifts in strategy and investor outlook.

24 Jul

3

Ally Financial Inc. recorded the highest volume of loan applications in company history during Q2. Record loan applications point to stronger demand that can lift near-term revenue and volume metrics.

22 Jul

4 transcript

Ally Financial Inc. reported Q2 2026 earnings results, covering revenue, net income, loan volumes, credit metrics, and management outlook on auto finance and deposit growth. Quarterly earnings releases typically drive notable stock price moves and revised analyst estimates for Ally Financial.

3

Ally Financial Inc. appoints Mark Mathewson to lead Technology and Data. New technology leadership appointment may moderately affect operational efficiency and innovation.

21 Jul

4

Ally Financial Inc (ALLY) reported strong EPS growth alongside asset expansion during its Q2 2026 earnings call. Strong EPS growth and asset expansion signal improved financial performance likely to lift investor sentiment and share price.

4 transcript

Ally Financial Inc. reported Q2 earnings highlights covering financial results, key metrics and outlook. Q2 earnings and forward outlook typically drive material stock moves and investor repositioning.

3 transcript

Ally Financial Inc. released Q2 2026 earnings call transcript covering quarterly results, executive commentary, and forward outlook. Quarterly earnings transcript provides standard financial updates that moderately influence near-term market views.

3

Ally Financial missed second-quarter earnings forecasts despite higher revenue and profit. Earnings miss creates short-term negative pressure on stock price and sentiment despite revenue and profit gains.

3

Ally Financial reported Q2 earnings with key metrics compared to analyst estimates. Q2 earnings metrics versus estimates can sway near-term investor views on performance.

3

Ally Financial Inc. reported Q2 2026 earnings that missed analyst estimates. Earnings miss signals weaker than expected performance likely to pressure stock price and near-term investor sentiment.

3

Ally Financial Inc. (ALLY) posted Q2 CY2026 sales above analyst estimates. Quarterly sales beat offers moderate positive signal for near-term performance without altering long-term trajectory.

3

Ally Financial Inc. (ALLY) released its second quarter 2026 financial results. Quarterly earnings directly inform Ally's performance metrics and near-term investor outlook.

15 Jul

3

Ally Financial (ALLY) shows strong indicators for beating earnings estimates again, driven by favorable operational trends and market positioning. Expected earnings beat may lift short-term stock sentiment without fundamentally altering long-term trajectory.

14 Jul

3

Ally Financial stock drops more than 30% this year and is recommended as a buy on the dip. Buy-the-dip recommendation after major stock decline may lift short-term investor sentiment without changing company fundamentals.

10 Jul

3

Ally Financial's margins are set to improve as high-cost deposits roll off, raising questions on whether the digital bank is a buy. Margin tailwinds from deposit roll-offs are expected to moderately influence Ally Financial's financial performance and market sentiment.

22 Jun

3

Berkshire Hathaway names Ally Financial Inc. (ALLY) among the top financial stocks to buy. Berkshire Hathaway endorsement may lift short-term investor sentiment toward Ally shares without altering fundamentals.

2 Jun

3

Ally Financial's Q1 results are benchmarked against other consumer finance stocks, highlighting comparative performance metrics. Q1 results benchmarking provides moderate insight into Ally's financial standing versus peers.

25 May

3

Ally Financial Inc. carries three major risks that could hurt its performance, leading to a recommendation to buy a different stock instead. Identification of multiple risks for Ally Financial may moderately shift investor sentiment and near-term stock performance.

15 May

4

Ally Financial targets Gen Z customers with new initiatives and appoints a Digital Director to reshape its long-term narrative and growth prospects. Gen Z push and Digital Director hire represent major strategic moves to drive customer acquisition, digital transformation, and long-term market positioning.

14 May

4

Ally Financial launches 'Life Today,' a customer-centric platform addressing the intersection of everyday life and financial needs. Launching 'Life Today' marks a major strategic product initiative enhancing customer engagement and competitive positioning in fintech.

9 May

3

Ally Financial shareholders approved the board while CEO touted strategy momentum and share buybacks. Shareholder backing of the board and CEO emphasis on strategy progress plus buybacks boost investor confidence moderately.

7 May

4

Ally Financial (ALLY) faces valuation review after strategic refocus on core auto lending and digital banking operations. Refocus on auto lending and digital banking represents a major strategic shift enhancing core competencies and investor sentiment.

stockrow.com/ALLY · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com