(ALLY) Ally Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US02005N1000

Auto Loans, Insurance, Corporate Finance, Banking

Consumer Finance
Market Cap in USD: 14,084m

IPO / Inception: 2014-01-28
12m vs SPY: 1.91%

EPS (Earnings per Share)

EPS CAGR: -13.95%
EPS Trend: -56.3%

Last SUE: 0.96
Qual. Beats: 6

Revenue

Rev. CAGR: 10.30%
Rev. Trend: 73.1%

Last SUE: 0.66
Qual. Beats: 0

Dividends

Dividend Yield	3.28%
Yield on Cost 5y	3.41%
Yield CAGR 5y	8.06%
Payout Consistency	98.6%
Payout Ratio	34.3%

Risk via 5d forecast
Volatility	34.2%
Value at Risk 5%th	51.8%
Relative Tail Risk	-7.81%

Reward TTM
Sharpe Ratio	0.79
Alpha	5.83
CAGR/Max DD	0.64

Character TTM
Hurst Exponent	0.502
Beta	1.228
Beta Downside	1.330

Drawdowns 3y
Max DD	36.68%
Mean DD	13.55%
Median DD	13.40%

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 (633.0m TTM) > 0 and > 6% of Revenue (6% = 919.0m TTM)

FCFTA -0.00 (>2.0%) and ΔFCFTA -0.70pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -915.6% (prev -785.1%; Δ -130.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 3.71b > Net Income 633.0m (YES >=105%, WARN >=100%)

Net Debt (10.38b) to EBITDA (1.69b) ratio: 6.16 <= 3.0 (WARN <= 3.5)

Current Ratio 0.09 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (313.8m) change vs 12m ago 0.89% (target <= -2.0% for YES)

Gross Margin 45.04% (prev 40.85%; Δ 4.20pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 7.96% (prev 8.56%; Δ -0.60pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.08 (EBITDA TTM 1.69b / Interest Expense TTM 6.64b) >= 6 (WARN >= 3)

Altman Z'' -4.66

(A) -0.73 = (Total Current Assets 13.15b - Total Current Liabilities 153.39b) / Total Assets 191.71b

(B) 0.00 = Retained Earnings (Balance) 427.0m / Total Assets 191.71b

(D) 0.11 = Book Value of Equity 19.74b / Total Liabilities 176.59b

Total Rating: -4.66 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 34.57

1. Piotroski 2.0pt

2. FCF Yield -33.22%

3. FCF Margin -3.87%

4. Debt/Equity 1.36

5. Debt/Ebitda 6.16

6. ROIC - WACC (= -6.52)%

7. RoE 4.38%

8. Rev. Trend 73.13%

9. EPS Trend -56.25%

What is the price of ALLY shares?

As of January 17, 2026, the stock is trading at USD 43.87 with a total of 2,810,617 shares traded.
Over the past week, the price has changed by -4.62%, over one month by -1.62%, over three months by +14.29% and over the past year by +20.54%.

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.

Strong Buy: 6
Buy: 6
Hold: 6
Sell: 0
Strong Sell: 2

What are the forecasts/targets for the ALLY price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	52.3	19.2%
Analysts Target Price	52.3	19.2%
ValueRay Target Price	45.7	4.1%

ALLY Fundamental Data Overview January 11, 2026

P/E Trailing = 27.3772
P/E Forward = 8.2034
P/S = 1.964
P/B = 1.1009
P/EG = 0.3037
Revenue TTM = 15.32b USD
EBIT TTM = 502.0m USD
EBITDA TTM = 1.69b USD
Long Term Debt = 16.75b USD (from longTermDebt, last quarter)
Short Term Debt = 3.88b USD (from shortTermDebt, last quarter)
Debt = 20.63b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 10.38b USD (from netDebt column, last quarter)
Enterprise Value = 1.78b USD (14.08b + Debt 20.63b - CCE 32.93b)
Interest Coverage Ratio = 0.08 (Ebit TTM 502.0m / Interest Expense TTM 6.64b)
EV/FCF = -3.01x (Enterprise Value 1.78b / FCF TTM -592.0m)
FCF Yield = -33.22% (FCF TTM -592.0m / Enterprise Value 1.78b)
FCF Margin = -3.87% (FCF TTM -592.0m / Revenue TTM 15.32b)
Net Margin = 4.13% (Net Income TTM 633.0m / Revenue TTM 15.32b)
Gross Margin = 45.04% ((Revenue TTM 15.32b - Cost of Revenue TTM 8.42b) / Revenue TTM)
Gross Margin QoQ = 44.15% (prev 48.99%)
Tobins Q-Ratio = 0.01 (Enterprise Value 1.78b / Total Assets 191.71b)
Interest Expense / Debt = 7.65% (Interest Expense 1.58b / Debt 20.63b)
Taxrate = 22.42% (115.0m / 513.0m)
NOPAT = 389.5m (EBIT 502.0m * (1 - 22.42%))
Current Ratio = 0.09 (Total Current Assets 13.15b / Total Current Liabilities 153.39b)
Debt / Equity = 1.36 (Debt 20.63b / totalStockholderEquity, last quarter 15.12b)
Debt / EBITDA = 6.16 (Net Debt 10.38b / EBITDA 1.69b)
Debt / FCF = -17.54 (negative FCF - burning cash) (Net Debt 10.38b / FCF TTM -592.0m)
Total Stockholder Equity = 14.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.33% (Net Income 633.0m / Total Assets 191.71b)
RoE = 4.38% (Net Income TTM 633.0m / Total Stockholder Equity 14.45b)
RoCE = 1.61% (EBIT 502.0m / Capital Employed (Equity 14.45b + L.T.Debt 16.75b))
RoIC = 1.24% (NOPAT 389.5m / Invested Capital 31.36b)
WACC = 7.76% (E(14.08b)/V(34.71b) * Re(10.44%) + D(20.63b)/V(34.71b) * Rd(7.65%) * (1-Tc(0.22)))
Discount Rate = 10.44% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.42%
Fair Price DCF = unknown (Cash Flow -592.0m)
EPS Correlation: -56.25 | EPS CAGR: -13.95% | SUE: 0.96 | # QB: 6
Revenue Correlation: 73.13 | Revenue CAGR: 10.30% | SUE: 0.66 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.04 | Chg30d=-0.007 | Revisions Net=-3 | Analysts=15
EPS next Year (2026-12-31): EPS=5.40 | Chg30d=+0.022 | Revisions Net=+1 | Growth EPS=+43.8% | Growth Revenue=+12.1%

Additional Sources for ALLY Stock

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