(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 37
Risk 82
Buy Signal -0.51
Dividends
| Dividend Yield | 3.28% |
| Yield on Cost 5y | 3.63% |
| Yield CAGR 5y | 8.06% |
| Payout Consistency | 98.6% |
| Payout Ratio | 39.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.8% |
| Relative Tail Risk | -7.70% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.32 |
| Alpha | -6.78 |
| Character TTM | |
|---|---|
| Beta | 1.220 |
| Beta Downside | 1.346 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.87% |
| CAGR/Max DD | 0.29 |
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) 3.5
| Net Income: 852.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -0.70 > 1.0 |
| NWC/Revenue: -1093 % < 20% (prev -757.8%; Δ -335.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 3.71b > Net Income 852.0m |
| Net Debt (20.63b) to EBITDA (1.58b): 13.06 < 3 |
| Current Ratio: 0.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (308.5m) vs 12m ago -0.89% < -2% |
| Gross Margin: 48.14% > 18% (prev 0.41%; Δ 4773 % > 0.5%) |
| Asset Turnover: 5.80% > 50% (prev 8.53%; Δ -2.73% > 0%) |
| Interest Coverage Ratio: 0.14 > 6 (EBITDA TTM 1.58b / Interest Expense TTM 4.85b) |
Altman Z'' -3.99
| A: -0.63 (Total Current Assets 30.34b - Total Current Liabilities 153.39b) / 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: 0.09 (Book Value of Equity 15.96b / Total Liabilities 180.50b) |
| Altman-Z'' Score: -3.99 = D |
What is the price of ALLY shares?
As of January 31, 2026, the stock is trading at USD 42.28 with a total of 4,023,023 shares traded.
Over the past week, the price has changed by +2.85%, over one month by -7.26%, over three months by +8.69% and over the past year by +9.62%.
Over the past week, the price has changed by +2.85%, over one month by -7.26%, over three months by +8.69% and over the past year by +9.62%.
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 | 53.1 | 25.5% |
| Analysts Target Price | 53.1 | 25.5% |
| ValueRay Target Price | 43.9 | 3.8% |
ALLY Fundamental Data Overview January 24, 2026
P/E Trailing = 17.7173
P/E Forward = 7.716
P/S = 1.7567
P/B = 1.0232
P/EG = 0.2857
Revenue TTM = 11.25b USD
EBIT TTM = 665.0m USD
EBITDA TTM = 1.58b USD
Long Term Debt = 17.07b USD (from longTermDebt, last quarter)
Short Term Debt = 3.88b USD (from shortTermDebt, two quarters ago)
Debt = 20.63b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 20.63b USD (using Total Debt 20.63b, CCE unavailable)
Enterprise Value = 33.58b USD (12.95b + Debt 20.63b - (null CCE))
Interest Coverage Ratio = 0.14 (Ebit TTM 665.0m / Interest Expense TTM 4.85b)
EV/FCF = -56.73x (Enterprise Value 33.58b / FCF TTM -592.0m)
FCF Yield = -1.76% (FCF TTM -592.0m / Enterprise Value 33.58b)
FCF Margin = -5.26% (FCF TTM -592.0m / Revenue TTM 11.25b)
Net Margin = 7.57% (Net Income TTM 852.0m / Revenue TTM 11.25b)
Gross Margin = 48.14% ((Revenue TTM 11.25b - Cost of Revenue TTM 5.84b) / Revenue TTM)
Gross Margin QoQ = none% (prev 49.52%)
Tobins Q-Ratio = 0.17 (Enterprise Value 33.58b / Total Assets 196.00b)
Interest Expense / Debt = 7.65% (Interest Expense 1.58b / Debt 20.63b)
Taxrate = 15.28% (59.0m / 386.0m)
NOPAT = 563.4m (EBIT 665.0m * (1 - 15.28%))
Current Ratio = 0.20 (Total Current Assets 30.34b / Total Current Liabilities 153.39b)
Debt / Equity = 1.33 (Debt 20.63b / totalStockholderEquity, last quarter 15.50b)
Debt / EBITDA = 13.06 (Net Debt 20.63b / EBITDA 1.58b)
Debt / FCF = -34.84 (negative FCF - burning cash) (Net Debt 20.63b / FCF TTM -592.0m)
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 = 8.00% (E(12.95b)/V(33.58b) * Re(10.41%) + D(20.63b)/V(33.58b) * Rd(7.65%) * (1-Tc(0.15)))
Discount Rate = 10.41% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.15%
Fair Price DCF = unknown (Cash Flow -592.0m)
EPS Correlation: -43.37 | EPS CAGR: -18.33% | SUE: -0.10 | # QB: 0
Revenue Correlation: 69.44 | Revenue CAGR: 15.95% | SUE: 0.65 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.96 | Chg30d=-0.076 | Revisions Net=-1 | Analysts=13
EPS current Year (2026-12-31): EPS=5.26 | Chg30d=-0.118 | Revisions Net=+1 | Growth EPS=+38.1% | Growth Revenue=+13.9%
EPS next Year (2027-12-31): EPS=6.28 | Chg30d=+0.106 | Revisions Net=+6 | Growth EPS=+19.2% | Growth Revenue=+6.3%
P/E Forward = 7.716
P/S = 1.7567
P/B = 1.0232
P/EG = 0.2857
Revenue TTM = 11.25b USD
EBIT TTM = 665.0m USD
EBITDA TTM = 1.58b USD
Long Term Debt = 17.07b USD (from longTermDebt, last quarter)
Short Term Debt = 3.88b USD (from shortTermDebt, two quarters ago)
Debt = 20.63b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 20.63b USD (using Total Debt 20.63b, CCE unavailable)
Enterprise Value = 33.58b USD (12.95b + Debt 20.63b - (null CCE))
Interest Coverage Ratio = 0.14 (Ebit TTM 665.0m / Interest Expense TTM 4.85b)
EV/FCF = -56.73x (Enterprise Value 33.58b / FCF TTM -592.0m)
FCF Yield = -1.76% (FCF TTM -592.0m / Enterprise Value 33.58b)
FCF Margin = -5.26% (FCF TTM -592.0m / Revenue TTM 11.25b)
Net Margin = 7.57% (Net Income TTM 852.0m / Revenue TTM 11.25b)
Gross Margin = 48.14% ((Revenue TTM 11.25b - Cost of Revenue TTM 5.84b) / Revenue TTM)
Gross Margin QoQ = none% (prev 49.52%)
Tobins Q-Ratio = 0.17 (Enterprise Value 33.58b / Total Assets 196.00b)
Interest Expense / Debt = 7.65% (Interest Expense 1.58b / Debt 20.63b)
Taxrate = 15.28% (59.0m / 386.0m)
NOPAT = 563.4m (EBIT 665.0m * (1 - 15.28%))
Current Ratio = 0.20 (Total Current Assets 30.34b / Total Current Liabilities 153.39b)
Debt / Equity = 1.33 (Debt 20.63b / totalStockholderEquity, last quarter 15.50b)
Debt / EBITDA = 13.06 (Net Debt 20.63b / EBITDA 1.58b)
Debt / FCF = -34.84 (negative FCF - burning cash) (Net Debt 20.63b / FCF TTM -592.0m)
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 = 8.00% (E(12.95b)/V(33.58b) * Re(10.41%) + D(20.63b)/V(33.58b) * Rd(7.65%) * (1-Tc(0.15)))
Discount Rate = 10.41% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.15%
Fair Price DCF = unknown (Cash Flow -592.0m)
EPS Correlation: -43.37 | EPS CAGR: -18.33% | SUE: -0.10 | # QB: 0
Revenue Correlation: 69.44 | Revenue CAGR: 15.95% | SUE: 0.65 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.96 | Chg30d=-0.076 | Revisions Net=-1 | Analysts=13
EPS current Year (2026-12-31): EPS=5.26 | Chg30d=-0.118 | Revisions Net=+1 | Growth EPS=+38.1% | Growth Revenue=+13.9%
EPS next Year (2027-12-31): EPS=6.28 | Chg30d=+0.106 | Revisions Net=+6 | Growth EPS=+19.2% | Growth Revenue=+6.3%