Ally Financial Inc. ALLY
- Market cap
- $11.8B
- P/E
- 9.0×
Follow ALLY
Target Price Range
Analyst price targets
Free account| 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
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|||
| 73.27% | 71.04% | 65.25% | 63.48% | 69.92% | 82.10% | 76.58% | 56.82% | 54.41% | 58.01% |
Gross Margin
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| 1,581 | 1,507 | 1,622 | 1,967 | 1,414 | 3,855 | 2,342 | 1,103 | 836 | 1,051 |
EBT
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|||
| 16.08% | 15.27% | 15.50% | 16.93% | 13.12% | 36.06% | 19.20% | 6.91% | 5.10% | 6.89% |
EBT Margin
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| 1,067 | 929 | 1,263 | 1,715 | 1,085 | 3,060 | 1,714 | 957 | 668 | 852 |
Net Income
|
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| 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
|
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| 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
|
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| 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
|
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| 12.58 | 13.07 | 11.88 | 10.49 | 5.29 | 7.23 | 3.19 | 4.69 | 4.03 | 5.65 |
EV/FCF
|
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| 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
|
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| 4,567 | 4,079 | 4,150 | 4,050 | 3,739 | 4,042 | 6,247 | 4,557 | 4,528 | 3,729 |
FCF
|
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| 31,856 | 21,200 | 17,497 | 4,343 | (8,061) | (17,185) | (16,792) | (15,601) | (11,345) | (12,391) |
Working Cap'
|
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| 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
|
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| 13,317 | 13,494 | 13,268 | 14,416 | 14,703 | 17,050 | 12,859 | 13,703 | 13,903 | 15,498 |
Sh' Equity
|
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| 0.64% | 0.56% | 0.73% | 0.95% | 0.60% | 1.68% | 0.92% | 0.44% | 0.29% | 0.38% |
ROA
|
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| 1.61% | 1.76% | 1.92% | 2.74% | 4.19% | 8.30% | 5.84% | 2.83% | 2.48% | 2.91% |
ROIC
|
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| 7.96% | 6.93% | 9.44% | 12.39% | 7.45% | 20.80% | 13.57% | 7.73% | 4.86% | 6.00% |
ROE
|
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Ally Financial Inc. peers in Credit Services
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FCFS FirstCash Holdings, Inc. | $9.4B | 24.8× | Compare |
| OMF OneMain Holdings, Inc. | $6.5B | 8.6× | Compare |
| SOFI SoFi Technologies, Inc. | $21.8B | 32.5× | Compare |
| SYF Synchrony Financial | $23.3B | 7.4× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| AFRM Affirm Holdings, Inc. | $24.1B | 12.6× | Compare |
| CACC Credit Acceptance Corporation | $5.7B | 12.0× | Compare |
| KLAR Klarna Group plc | $4.9B | 0.0× | Compare |
| NNI Nelnet, Inc. | $4.5B | 14.9× | Compare |
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.
Ally Financial Inc. (ALLY) Latest News
22 Sep
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
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
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
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.
Ally Financial outage tests the company's undervalued narrative amid operational disruption. Outage disrupts operations and challenges market perceptions of undervaluation.
26 Aug
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
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
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
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
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
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.
Ally Financial Inc. appoints Mark Mathewson to lead Technology and Data. New technology leadership appointment may moderately affect operational efficiency and innovation.
21 Jul
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.
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.
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.
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.
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.
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.
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.
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
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
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
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
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
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
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
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
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
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
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.