(ALLY) Ally Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US02005N1000
Stock: Auto Loans, Insurance, Corporate Finance, Banking
Total Rating 30
Risk 37
Buy Signal -0.15
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.22% |
| Yield on Cost 5y | 3.38% |
| Yield CAGR 5y | 8.06% |
| Payout Consistency | 98.6% |
| Payout Ratio | 37.6% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.8% |
| Relative Tail Risk | -7.90% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.44 |
| Alpha | -3.68 |
| Character TTM | |
|---|---|
| Beta | 1.203 |
| Beta Downside | 1.364 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.88% |
| CAGR/Max DD | 0.40 |
Description: ALLY Ally Financial January 03, 2026
Ally Financial Inc. (NYSE:ALLY) is a digitally focused financial-services firm operating in the United States, Canada and Bermuda. It runs four primary segments-Automotive Finance, Insurance, Corporate Finance, and Corporate & Other-delivering retail auto loans, dealer floor-plan financing, vehicle-remarketing, dealer-channel protection products (VSC, VMC, GAP), and a suite of commercial banking, treasury, and investment-advisory services.
Key drivers for Ally include the health of the U.S. auto market (auto loan originations rose ~5% YoY in Q4 2023) and the spread between its net interest margin (NIM) of roughly 2.3% and the cost of deposits, which is sensitive to Federal Reserve rate moves. The company’s digital-banking platform has grown its deposit base to over $90 billion, supporting a loan-to-deposit ratio near 78%, and its asset-based lending to middle-market firms now exceeds $10 billion, reflecting broader corporate-credit demand.
For a deeper, data-driven view of Ally’s valuation and risk profile, you might explore the analyst tools on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: 852.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -0.71 > 1.0 |
| NWC/Revenue: -132.0% < 20% (prev -757.8%; Δ 625.8% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.09b > Net Income 852.0m |
| Net Debt (11.73b) to EBITDA (1.97b): 5.97 < 3 |
| Current Ratio: 0.90 > 1.5 & < 3 |
| Outstanding Shares: last quarter (314.3m) vs 12m ago 0.96% < -2% |
| Gross Margin: 51.98% > 18% (prev 0.41%; Δ 5157 % > 0.5%) |
| Asset Turnover: 6.27% > 50% (prev 8.53%; Δ -2.27% > 0%) |
| Interest Coverage Ratio: 0.14 > 6 (EBITDA TTM 1.97b / Interest Expense TTM 4.85b) |
Altman Z'' -0.39
| A: -0.08 (Total Current Assets 147.39b - Total Current Liabilities 163.43b) / Total Assets 196.00b |
| B: 0.00 (Retained Earnings 633.0m / Total Assets 196.00b) |
| C: 0.00 (EBIT TTM 665.0m / Avg Total Assets 193.92b) |
| D: 0.11 (Book Value of Equity 20.12b / Total Liabilities 180.50b) |
| Altman-Z'' Score: -0.39 = B |
Beneish M 1.00
| DSRI: 148.5 (Receivables 136.81b/1.24b, Revenue 12.15b/16.37b) |
| GMI: 0.79 (GM 51.98% / 41.12%) |
| AQI: 0.26 (AQ_t 0.20 / AQ_t-1 0.79) |
| SGI: 0.74 (Revenue 12.15b / 16.37b) |
| TATA: -0.01 (NI 852.0m - CFO 3.09b) / TA 196.00b) |
| Beneish M-Score: 117.5 (Cap -4..+1) = D |
What is the price of ALLY shares?
As of February 08, 2026, the stock is trading at USD 42.31 with a total of 3,717,916 shares traded.
Over the past week, the price has changed by +0.79%, over one month by -9.45%, over three months by +10.31% and over the past year by +14.21%.
Over the past week, the price has changed by +0.79%, over one month by -9.45%, over three months by +10.31% and over the past year by +14.21%.
Is ALLY a buy, sell or hold?
Ally Financial has received a consensus analysts rating of 3.70.
Therefor, it is recommend to hold ALLY.
- StrongBuy: 6
- Buy: 6
- Hold: 6
- Sell: 0
- StrongSell: 2
What are the forecasts/targets for the ALLY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 53 | 25.3% |
| Analysts Target Price | 53 | 25.3% |
| ValueRay Target Price | 44.2 | 4.5% |
ALLY Fundamental Data Overview February 01, 2026
P/E Trailing = 17.9367
P/E Forward = 7.9554
P/S = 1.7784
P/B = 1.006
P/EG = 0.2947
Revenue TTM = 12.15b USD
EBIT TTM = 665.0m USD
EBITDA TTM = 1.97b USD
Long Term Debt = 17.07b USD (from longTermDebt, last quarter)
Short Term Debt = 4.70b USD (from shortTermDebt, last quarter)
Debt = 21.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 11.73b USD (from netDebt column, last quarter)
Enterprise Value = 24.85b USD (13.11b + Debt 21.77b - CCE 10.03b)
Interest Coverage Ratio = 0.14 (Ebit TTM 665.0m / Interest Expense TTM 4.85b)
EV/FCF = -84.23x (Enterprise Value 24.85b / FCF TTM -295.0m)
FCF Yield = -1.19% (FCF TTM -295.0m / Enterprise Value 24.85b)
FCF Margin = -2.43% (FCF TTM -295.0m / Revenue TTM 12.15b)
Net Margin = 7.01% (Net Income TTM 852.0m / Revenue TTM 12.15b)
Gross Margin = 51.98% ((Revenue TTM 12.15b - Cost of Revenue TTM 5.84b) / Revenue TTM)
Gross Margin QoQ = none% (prev 49.52%)
Tobins Q-Ratio = 0.13 (Enterprise Value 24.85b / Total Assets 196.00b)
Interest Expense / Debt = 7.25% (Interest Expense 1.58b / Debt 21.77b)
Taxrate = 15.28% (59.0m / 386.0m)
NOPAT = 563.4m (EBIT 665.0m * (1 - 15.28%))
Current Ratio = 0.90 (Total Current Assets 147.39b / Total Current Liabilities 163.43b)
Debt / Equity = 1.40 (Debt 21.77b / totalStockholderEquity, last quarter 15.50b)
Debt / EBITDA = 5.97 (Net Debt 11.73b / EBITDA 1.97b)
Debt / FCF = -39.78 (negative FCF - burning cash) (Net Debt 11.73b / FCF TTM -295.0m)
Total Stockholder Equity = 14.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.44% (Net Income 852.0m / Total Assets 196.00b)
RoE = 5.74% (Net Income TTM 852.0m / Total Stockholder Equity 14.85b)
RoCE = 2.08% (EBIT 665.0m / Capital Employed (Equity 14.85b + L.T.Debt 17.07b))
RoIC = 1.78% (NOPAT 563.4m / Invested Capital 31.58b)
WACC = 7.72% (E(13.11b)/V(34.88b) * Re(10.35%) + D(21.77b)/V(34.88b) * Rd(7.25%) * (1-Tc(0.15)))
Discount Rate = 10.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.22%
Fair Price DCF = unknown (Cash Flow -295.0m)
EPS Correlation: -41.09 | EPS CAGR: -15.28% | SUE: 0.17 | # QB: 0
Revenue Correlation: -7.86 | Revenue CAGR: -22.60% | SUE: 1.43 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.96 | Chg30d=-0.080 | Revisions Net=-1 | Analysts=13
EPS current Year (2026-12-31): EPS=5.29 | Chg30d=-0.094 | Revisions Net=-5 | Growth EPS=+38.8% | Growth Revenue=+13.9%
EPS next Year (2027-12-31): EPS=6.33 | Chg30d=+0.157 | Revisions Net=+5 | Growth EPS=+19.6% | Growth Revenue=+6.1%
P/E Forward = 7.9554
P/S = 1.7784
P/B = 1.006
P/EG = 0.2947
Revenue TTM = 12.15b USD
EBIT TTM = 665.0m USD
EBITDA TTM = 1.97b USD
Long Term Debt = 17.07b USD (from longTermDebt, last quarter)
Short Term Debt = 4.70b USD (from shortTermDebt, last quarter)
Debt = 21.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 11.73b USD (from netDebt column, last quarter)
Enterprise Value = 24.85b USD (13.11b + Debt 21.77b - CCE 10.03b)
Interest Coverage Ratio = 0.14 (Ebit TTM 665.0m / Interest Expense TTM 4.85b)
EV/FCF = -84.23x (Enterprise Value 24.85b / FCF TTM -295.0m)
FCF Yield = -1.19% (FCF TTM -295.0m / Enterprise Value 24.85b)
FCF Margin = -2.43% (FCF TTM -295.0m / Revenue TTM 12.15b)
Net Margin = 7.01% (Net Income TTM 852.0m / Revenue TTM 12.15b)
Gross Margin = 51.98% ((Revenue TTM 12.15b - Cost of Revenue TTM 5.84b) / Revenue TTM)
Gross Margin QoQ = none% (prev 49.52%)
Tobins Q-Ratio = 0.13 (Enterprise Value 24.85b / Total Assets 196.00b)
Interest Expense / Debt = 7.25% (Interest Expense 1.58b / Debt 21.77b)
Taxrate = 15.28% (59.0m / 386.0m)
NOPAT = 563.4m (EBIT 665.0m * (1 - 15.28%))
Current Ratio = 0.90 (Total Current Assets 147.39b / Total Current Liabilities 163.43b)
Debt / Equity = 1.40 (Debt 21.77b / totalStockholderEquity, last quarter 15.50b)
Debt / EBITDA = 5.97 (Net Debt 11.73b / EBITDA 1.97b)
Debt / FCF = -39.78 (negative FCF - burning cash) (Net Debt 11.73b / FCF TTM -295.0m)
Total Stockholder Equity = 14.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.44% (Net Income 852.0m / Total Assets 196.00b)
RoE = 5.74% (Net Income TTM 852.0m / Total Stockholder Equity 14.85b)
RoCE = 2.08% (EBIT 665.0m / Capital Employed (Equity 14.85b + L.T.Debt 17.07b))
RoIC = 1.78% (NOPAT 563.4m / Invested Capital 31.58b)
WACC = 7.72% (E(13.11b)/V(34.88b) * Re(10.35%) + D(21.77b)/V(34.88b) * Rd(7.25%) * (1-Tc(0.15)))
Discount Rate = 10.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.22%
Fair Price DCF = unknown (Cash Flow -295.0m)
EPS Correlation: -41.09 | EPS CAGR: -15.28% | SUE: 0.17 | # QB: 0
Revenue Correlation: -7.86 | Revenue CAGR: -22.60% | SUE: 1.43 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.96 | Chg30d=-0.080 | Revisions Net=-1 | Analysts=13
EPS current Year (2026-12-31): EPS=5.29 | Chg30d=-0.094 | Revisions Net=-5 | Growth EPS=+38.8% | Growth Revenue=+13.9%
EPS next Year (2027-12-31): EPS=6.33 | Chg30d=+0.157 | Revisions Net=+5 | Growth EPS=+19.6% | Growth Revenue=+6.1%