ALLY Stock Analysis: Ally Financial | NYSE
Credit Services | NYSE, USA | Market Cap: 12.058m USD | 12M Return: 0.2% | US02005N1000 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 168M
EPS Trend: 42.8%
Qual. Beats: 0
Rev. Trend: -52.0%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Ally Financial Inc. (NYSE: ALLY) is a Detroit-based digital financial-services company operating in the United States and Canada through three reporting segments: Automotive Finance, Insurance, and Corporate Finance. Founded in 1919 and formerly known as GMAC Inc., the company adopted its current name in May 2010 and completed its NYSE listing in January 2014. It is classified within the GICS Financials sector and Consumer Finance sub-industry.
The Automotive Finance segment is the companys core business, providing retail installment sales contracts, loans and operating leases, term loans to dealers, dealer floorplan and warehouse financing, and fleet financing for commercial and municipal vehicle buyers. The Insurance segment distributes consumer-finance protection products, vehicle service contracts (VSCs), vehicle maintenance contracts (VMCs), and GAP products through the automotive dealer channel, and underwrites commercial coverages that primarily protect dealers vehicle inventory. The Corporate Finance segment originates senior secured asset-based and leveraged cash flow loans to middle-market borrowers, as well as commercial real estate loans concentrated in nursing facilities, senior housing, and medical office buildings.
In addition to lending, Ally conducts treasury activities managing cash, investment securities, debt, derivative instruments, and equity investments, and offers retail and brokered deposits alongside securities brokerage and investment advisory services. As a bank holding company, funding for the lending operations is sourced primarily through Ally Banks consumer deposit franchise, a structural feature that distinguishes it from non-bank auto finance competitors.
- Used car price declines pressure auto loan recoveries
- Net interest margin compresses as deposit costs outpace asset yields
- Share repurchases accelerate on strong capital ratios
| Net Income: 1.49b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -0.17 > 1.0 |
| NWC/Revenue: -818.7% < 20% (prev -804.6%; Δ -14.06% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.90b > Net Income 1.49b |
| Net Debt (-9.90b) to EBITDA (3.29b): -3.01 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (308.1m) vs 12m ago -1.81% < -2% |
| Gross Margin: 49.83% > 18% (prev 46.43%; Δ 3.39% > 0.5%) |
| Asset Turnover: 8.12% > 50% (prev 7.98%; Δ 0.15% > 0%) |
| Interest Coverage Ratio: 0.31 > 6 (EBIT TTM 1.89b / Interest Expense TTM 6.14b) |
| A: -0.65 (Total Current Assets 35.5b - Total Current Liabilities 167b) / Total Assets 203b |
| B: 0.01 (Retained Earnings 1.41b / Total Assets 203b) |
| C: 0.01 (EBIT TTM 1.89b / Avg Total Assets 197b) |
| D: 0.08 (Book Value of Equity 15.0b / Total Liabilities 188b) |
| Altman-Z'' = -4.07 = D |
| DSRI: 3.0 (Receivables 144b/1.11b, Revenue 16.0b/15.3b) |
| GMI: 0.93 (GM 46.43% / 49.83%) |
| AQI: 0.99 (AQ_t 0.78 / AQ_t-1 0.79) |
| SGI: 1.05 (Revenue 16.0b / 15.3b) |
| TATA: -0.01 (NI 1.49b - CFO 3.90b) / TA 203b) |
| Beneish M = -1.41 (Cap -4..+1) = D |
As of November 06, 2026, the stock is trading at USD 38.83 with a total of 4,720,972 shares traded. Over the past week, the price has changed by -1.14%, over one month by +4.14%, over three months by -12.41% and over the past year by +0.16%.
Current recommended Stop Loss: 37.30 (which is 3.9% or 1.5 ATR below the current price).
Ally Financial has received a consensus analysts rating of 4.22. Therefore, it is recommended to buy ALLY.
- StrongBuy: 9
- Buy: 4
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 47.5 | 22.2% |
P/E Trailing = 9.0709
P/E Forward = 6.2383
P/S = 1.5081
P/B = 0.9083
P/EG = 0.2823
Revenue TTM = 16.0b USD
EBIT TTM = 1.89b USD
EBITDA TTM = 3.29b USD
Long Term Debt = 17.1b USD (from longTermDebt, last fiscal year)
Short Term Debt = 6.25b USD (from shortTermDebt, last quarter)
Debt = 25.1b USD (from shortLongTermDebtTotal, last quarter) + Leases 114.0m
Net Debt = -9.90b USD (calculated: Debt 25.1b - CCE 35.0b)
Enterprise Value = 2.15b USD (12.1b + Debt 25.1b - CCE 35.0b)
Interest Coverage Ratio = 0.31 (Ebit TTM 1.89b / Interest Expense TTM 6.14b)
EV/FCF = -3.54x (Enterprise Value 2.15b / FCF TTM -609.0m)
FCF Yield = -28.27% (FCF TTM -609.0m / Enterprise Value 2.15b)
FCF Margin = -3.80% (FCF TTM -609.0m / Revenue TTM 16.0b)
Net Margin = 9.28% (Net Income TTM 1.49b / Revenue TTM 16.0b)
Gross Margin = 49.83% ((Revenue TTM 16.0b - Cost of Revenue TTM 8.05b) / Revenue TTM)
Gross Margin QoQ = 50.01% (prev 52.23%)
Tobins Q-Ratio = 0.01 (Enterprise Value 2.15b / Total Assets 203b)
Interest Expense / Debt = 24.41% (Interest Expense 6.14b / Debt 25.1b)
Taxrate = 21.22% (401.0m / 1.89b)
NOPAT = 1.49b (EBIT 1.89b * (1 - 21.22%))
Current Ratio = 0.21 (Total Current Assets 35.5b / Total Current Liabilities 167b)
Debt / Equity = 1.68 (Debt 25.1b / totalStockholderEquity, last quarter 15.0b)
Debt / EBITDA = -3.01 (Net Debt -9.90b / EBITDA 3.29b)
Debt / FCF = 16.26 (negative FCF - burning cash) (Net Debt -9.90b / FCF TTM -609.0m)
Total Stockholder Equity = 15.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.75% (Net Income 1.49b / Total Assets 203b)
RoE = 9.67% (Net Income TTM 1.49b / Total Stockholder Equity 15.4b)
RoCE = 5.82% (EBIT 1.89b / Capital Employed (Equity 15.4b + L.T.Debt 17.1b))
RoIC = 3.55% (NOPAT 1.49b / Invested Capital 41.9b)
WACC = 16.13% (E(12.1b)/V(37.2b) * Re(9.66%) + D(25.1b)/V(37.2b) * Rd(24.41%) * (1-Tc(0.21)))
Discount Rate = 9.66% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 9.95 | Cagr: -0.25%
[DCF] Fair Price = unknown (Cash Flow -609.0m)
EPS Correlation: 42.81 | EPS CAGR: 16.50% | SUE: 0.05 | # QB: 0
Revenue Correlation: -52.01 | Revenue CAGR: -1.59% | SUE: 0.80 | # QB: 0
EPS current Quarter (2027-03-31): EPS=1.40 | Chg30d=-4.45% | Revisions=-22% | Analysts=12
EPS current Year (2026-12-31): EPS=5.00 | Chg30d=-3.95% | Revisions=-81% | GrowthEPS=+31.4% | GrowthRev=+14.4%
EPS next Year (2027-12-31): EPS=6.04 | Chg30d=-5.66% | Revisions=-67% | GrowthEPS=+20.6% | GrowthRev=+5.5%
[Analyst] Revisions Ratio: -74% (up=3, down=28)