(ALLY) Ally Financial - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US02005N1000
Stock: Auto Loans, Insurance, Leasing, Corporate Lending, Deposits
Total Rating 19
Risk 35
Buy Signal -0.06
| Risk 5d forecast | |
|---|---|
| Volatility | 34.9% |
| Relative Tail Risk | -9.61% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.45 |
| Alpha | -14.00 |
| Character TTM | |
|---|---|
| Beta | 1.480 |
| Beta Downside | 1.545 |
| Drawdowns 3y | |
|---|---|
| Max DD | 31.60% |
| CAGR/Max DD | 0.73 |
EPS (Earnings per Share)
Revenue
Description: ALLY Ally Financial February 28, 2026
Ally Financial Inc. (NYSE: ALLY) is a digital-focused financial-services firm operating in the United States, Canada, and Bermuda. Its business is divided among Automotive Finance, Insurance, Corporate Finance, and a broader Corporate & Other segment, delivering retail auto loans and leases, dealer floor-plan financing, vehicle-remarketing services, dealer-channel insurance products, middle-market corporate loans, and commercial banking and brokerage solutions.
As of Q4 2023, Ally reported a net interest income of $1.8 billion, up 6% year-over-year, and an auto loan portfolio of $98 billion with a delinquency rate of 2.4%, reflecting resilient consumer credit quality amid a higher-for-longer interest-rate environment. Deposits grew 8% YoY to $30 billion, supporting a net interest margin of 5.1% and a return on equity of 13.5%. Key drivers include the Fed’s policy stance influencing loan pricing, the shift toward digital banking that fuels deposit inflows, and the accelerating adoption of electric vehicles, which reshapes auto-finance demand.
For deeper quantitative insights, you might explore Ally’s profile on ValueRay.
Headlines to watch out for
- Auto loan demand impacts interest income
- Interest rate changes affect net interest margin
- Regulatory scrutiny on consumer lending increases compliance costs
- Economic downturns reduce loan originations and increase defaults
Piotroski VR‑10 (Strict, 0-10) 1.0
| Net Income: 852.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -1.05 > 1.0 |
| NWC/Revenue: -105.6% < 20% (prev -757.8%; Δ 652.2% < -1%) |
| CFO/TA 0.02 > 3% & CFO 4.31b > Net Income 852.0m |
| Net Debt (11.73b) to EBITDA (2.45b): 4.79 < 3 |
| Current Ratio: 0.90 > 1.5 & < 3 |
| Outstanding Shares: last quarter (314.3m) vs 12m ago 0.96% < -2% |
| Gross Margin: 48.11% > 18% (prev 0.41%; Δ 4770 % > 0.5%) |
| Asset Turnover: 7.84% > 50% (prev 8.53%; Δ -0.70% > 0%) |
| Interest Coverage Ratio: 0.16 > 6 (EBITDA TTM 2.45b / Interest Expense TTM 6.41b) |
Altman Z'' -0.37
| 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: 0.01 (EBIT TTM 1.05b / Avg Total Assets 193.92b) |
| D: 0.11 (Book Value of Equity 20.12b / Total Liabilities 180.50b) |
| Altman-Z'' Score: -0.37 = B |
Beneish M 1.00
| DSRI: 118.8 (Receivables 136.81b/1.24b, Revenue 15.20b/16.37b) |
| GMI: 0.85 (GM 48.11% / 41.12%) |
| AQI: 0.26 (AQ_t 0.20 / AQ_t-1 0.79) |
| SGI: 0.93 (Revenue 15.20b / 16.37b) |
| TATA: -0.02 (NI 852.0m - CFO 4.31b) / TA 196.00b) |
| Beneish M-Score: 93.25 (Cap -4..+1) = D |
What is the price of ALLY shares?
As of March 10, 2026, the stock is trading at USD 38.44 with a total of 5,402,808 shares traded.
Over the past week, the price has changed by -3.30%, over one month by -8.56%, over three months by -8.56% and over the past year by +18.48%.
Over the past week, the price has changed by -3.30%, over one month by -8.56%, over three months by -8.56% and over the past year by +18.48%.
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 | 52.8 | 37.3% |
| Analysts Target Price | 52.8 | 37.3% |
ALLY Fundamental Data Overview March 05, 2026
P/E Trailing = 16.827
P/E Forward = 7.3638
P/S = 1.6684
P/B = 0.9308
P/EG = 0.2726
Revenue TTM = 15.20b USD
EBIT TTM = 1.05b USD
EBITDA TTM = 2.45b 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 = 24.04b USD (12.30b + Debt 21.77b - CCE 10.03b)
Interest Coverage Ratio = 0.16 (Ebit TTM 1.05b / Interest Expense TTM 6.41b)
EV/FCF = -24.70x (Enterprise Value 24.04b / FCF TTM -973.0m)
FCF Yield = -4.05% (FCF TTM -973.0m / Enterprise Value 24.04b)
FCF Margin = -6.40% (FCF TTM -973.0m / Revenue TTM 15.20b)
Net Margin = 5.61% (Net Income TTM 852.0m / Revenue TTM 15.20b)
Gross Margin = 48.11% ((Revenue TTM 15.20b - Cost of Revenue TTM 7.88b) / Revenue TTM)
Gross Margin QoQ = 48.01% (prev 49.52%)
Tobins Q-Ratio = 0.12 (Enterprise Value 24.04b / Total Assets 196.00b)
Interest Expense / Debt = 7.18% (Interest Expense 1.56b / Debt 21.77b)
Taxrate = 15.28% (59.0m / 386.0m)
NOPAT = 890.4m (EBIT 1.05b * (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 = 4.79 (Net Debt 11.73b / EBITDA 2.45b)
Debt / FCF = -12.06 (negative FCF - burning cash) (Net Debt 11.73b / FCF TTM -973.0m)
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 = 3.29% (EBIT 1.05b / Capital Employed (Equity 14.85b + L.T.Debt 17.07b))
RoIC = 2.82% (NOPAT 890.4m / Invested Capital 31.58b)
WACC = 7.99% (E(12.30b)/V(34.07b) * Re(11.37%) + D(21.77b)/V(34.07b) * Rd(7.18%) * (1-Tc(0.15)))
Discount Rate = 11.37% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.22%
[DCF] Fair Price = unknown (Cash Flow -973.0m)
EPS Correlation: -41.09 | EPS CAGR: -15.28% | SUE: 0.17 | # QB: 0
Revenue Correlation: 68.11 | Revenue CAGR: 14.76% | SUE: 1.43 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.28 | Chg7d=+0.000 | Chg30d=-0.025 | Revisions Net=-3 | Analysts=15
EPS current Year (2026-12-31): EPS=5.24 | Chg7d=-0.003 | Chg30d=-0.049 | Revisions Net=-9 | Growth EPS=+37.5% | Growth Revenue=+13.8%
EPS next Year (2027-12-31): EPS=6.31 | Chg7d=-0.000 | Chg30d=-0.014 | Revisions Net=+5 | Growth EPS=+20.5% | Growth Revenue=+6.0%
[Analyst] Revisions Ratio: -0.23 (5 Up / 8 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.4% (Discount Rate 11.4% - Earnings Yield 5.9%)
[Growth] Growth Spread = +1.0% (Analyst 6.4% - Implied 5.4%)
P/E Forward = 7.3638
P/S = 1.6684
P/B = 0.9308
P/EG = 0.2726
Revenue TTM = 15.20b USD
EBIT TTM = 1.05b USD
EBITDA TTM = 2.45b 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 = 24.04b USD (12.30b + Debt 21.77b - CCE 10.03b)
Interest Coverage Ratio = 0.16 (Ebit TTM 1.05b / Interest Expense TTM 6.41b)
EV/FCF = -24.70x (Enterprise Value 24.04b / FCF TTM -973.0m)
FCF Yield = -4.05% (FCF TTM -973.0m / Enterprise Value 24.04b)
FCF Margin = -6.40% (FCF TTM -973.0m / Revenue TTM 15.20b)
Net Margin = 5.61% (Net Income TTM 852.0m / Revenue TTM 15.20b)
Gross Margin = 48.11% ((Revenue TTM 15.20b - Cost of Revenue TTM 7.88b) / Revenue TTM)
Gross Margin QoQ = 48.01% (prev 49.52%)
Tobins Q-Ratio = 0.12 (Enterprise Value 24.04b / Total Assets 196.00b)
Interest Expense / Debt = 7.18% (Interest Expense 1.56b / Debt 21.77b)
Taxrate = 15.28% (59.0m / 386.0m)
NOPAT = 890.4m (EBIT 1.05b * (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 = 4.79 (Net Debt 11.73b / EBITDA 2.45b)
Debt / FCF = -12.06 (negative FCF - burning cash) (Net Debt 11.73b / FCF TTM -973.0m)
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 = 3.29% (EBIT 1.05b / Capital Employed (Equity 14.85b + L.T.Debt 17.07b))
RoIC = 2.82% (NOPAT 890.4m / Invested Capital 31.58b)
WACC = 7.99% (E(12.30b)/V(34.07b) * Re(11.37%) + D(21.77b)/V(34.07b) * Rd(7.18%) * (1-Tc(0.15)))
Discount Rate = 11.37% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.22%
[DCF] Fair Price = unknown (Cash Flow -973.0m)
EPS Correlation: -41.09 | EPS CAGR: -15.28% | SUE: 0.17 | # QB: 0
Revenue Correlation: 68.11 | Revenue CAGR: 14.76% | SUE: 1.43 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.28 | Chg7d=+0.000 | Chg30d=-0.025 | Revisions Net=-3 | Analysts=15
EPS current Year (2026-12-31): EPS=5.24 | Chg7d=-0.003 | Chg30d=-0.049 | Revisions Net=-9 | Growth EPS=+37.5% | Growth Revenue=+13.8%
EPS next Year (2027-12-31): EPS=6.31 | Chg7d=-0.000 | Chg30d=-0.014 | Revisions Net=+5 | Growth EPS=+20.5% | Growth Revenue=+6.0%
[Analyst] Revisions Ratio: -0.23 (5 Up / 8 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 5.4% (Discount Rate 11.4% - Earnings Yield 5.9%)
[Growth] Growth Spread = +1.0% (Analyst 6.4% - Implied 5.4%)