Overview Dividends

(ALLY) Ally Financial - Ratings and Ratios

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

Automotive Financing, Insurance, Consumer Protection Products, Corporate Finance, Banking Services, Investment Advisory

ALLY EPS (Earnings per Share)

EPS Growth (3Y CAGR): 2.31%
EPS Trend (3Y Correlation): 6.1%

ALLY Revenue

Revenue Growth (3Y CAGR): 19.36%
Revenue Trend (3Y Correlation): 38.2%

Risk via 10d forecast
Volatility	34.1%
Value at Risk 5%th	52.1%

Reward
Sharpe Ratio	0.29
Alpha Jensen	-11.33

Character
Hurst Exponent	0.586
Beta	1.210

Drawdowns 3y
Max DD	36.68%
Mean DD	13.63%

Description: ALLY Ally Financial October 31, 2025

Ally Financial Inc. (NYSE: ALLY) is a digital-focused financial-services firm operating in the United States, Canada, and Bermuda. Its business is segmented into Automotive Finance, Insurance, Corporate Finance, and a catch-all “Corporate and Other” unit, delivering retail auto loans, dealer floor-plan financing, vehicle-remarketing, dealer-channel insurance (VSC, VMC, GAP), middle-market senior secured loans, and a suite of commercial banking and brokerage services. The company traces its roots to GMAC, rebranding to Ally in 2010, and is headquartered in Detroit, Michigan.

Key performance indicators that drive Ally’s earnings include: (1) the size and credit quality of its auto loan portfolio-approximately $80 billion in outstanding balances as of Q2 2024, with a net charge-off rate of 0.9% % YoY, reflecting resilience in consumer credit; (2) net interest margin (NIM), which has been pressured by a rising rate environment but remains above the sector average at ~3.1% in the latest quarter; and (3) digital adoption metrics, such as the share of new auto loans originated online (≈ 45% in 2024), a factor that lowers acquisition cost and supports margin expansion. Macro-level drivers include U.S. interest-rate trends, vehicle-sales cycles, and consumer confidence, all of which materially affect loan demand and credit risk.

For a deeper quantitative breakdown, the ValueRay platform offers granular peer-adjusted metrics worth exploring.

ALLY Stock Overview

Market Cap in USD	12,097m
Sub-Industry	Consumer Finance
IPO / Inception	2014-01-28
Return 12m vs S&P 500	-5.96%
Analyst Rating	3.70 of 5

ALLY Dividends

Dividend Yield	3.04%
Yield on Cost 5y	4.71%
Yield CAGR 5y	12.10%
Payout Consistency	99.0%
Payout Ratio	57.1%

ALLY Growth Ratios

CAGR	17.38%
CAGR/Max DD Calmar Ratio	0.47
CAGR/Mean DD Pain Ratio	1.27
Current Volume	1785.7k
Average Volume	2995.3k

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 0.05 (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) 39.72

1. Piotroski 2.0pt = -3.0

2. FCF Yield data missing

3. FCF Margin -3.87% = -1.45

4. Debt/Equity 1.36 = 1.64

5. Debt/Ebitda 6.16 = -2.50

6. ROIC - WACC (= -6.80)% = -8.50

7. RoE 4.38% = 0.37

8. Rev. Trend 38.21% = 2.87

9. EPS Trend 6.11% = 0.31

What is the price of ALLY shares?

As of November 12, 2025, the stock is trading at USD 39.47 with a total of 1,785,657 shares traded.
Over the past week, the price has changed by -0.38%, over one month by +5.03%, over three months by +6.86% and over the past year by +8.58%.

Is Ally Financial a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Ally Financial (NYSE:ALLY) is currently (November 2025) a stock to sell. It has a ValueRay Fundamental Rating of 39.72 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ALLY is around 36.67 USD . This means that ALLY is currently overvalued and has a potential downside of -7.09%.

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	48.1	21.8%
Analysts Target Price	48.1	21.8%
ValueRay Target Price	40.6	2.8%

ALLY Fundamental Data Overview November 11, 2025

Market Cap USD = 12.10b (12.10b USD * 1.0 USD.USD)
P/E Trailing = 23.515
P/E Forward = 7.1174
P/S = 1.687
P/B = 0.9783
P/EG = 0.4382
Beta = 1.21
Revenue TTM = 15.32b USD
EBIT TTM = 327.0m 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 = -204.8m USD (12.10b + Debt 20.63b - CCE 32.93b)
Interest Coverage Ratio = 0.05 (Ebit TTM 327.0m / Interest Expense TTM 6.64b)
FCF Yield = 289.1% (FCF TTM -592.0m / Enterprise Value -204.8m)
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 = -0.00 (set to none) (Enterprise Value -204.8m / Total Assets 191.71b)
Interest Expense / Debt = 7.65% (Interest Expense 1.58b / Debt 20.63b)
Taxrate = 22.42% (115.0m / 513.0m)
NOPAT = 253.7m (EBIT 327.0m * (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 = 1.05% (EBIT 327.0m / Capital Employed (Equity 14.45b + L.T.Debt 16.75b))
RoIC = 0.81% (NOPAT 253.7m / Invested Capital 31.36b)
WACC = 7.61% (E(12.10b)/V(32.73b) * Re(10.47%) + D(20.63b)/V(32.73b) * Rd(7.65%) * (1-Tc(0.22)))
Discount Rate = 10.47% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.15%
Fair Price DCF = unknown (Cash Flow -592.0m)
EPS Correlation: 6.11 | EPS CAGR: 2.31% | SUE: 0.96 | # QB: 6
Revenue Correlation: 38.21 | Revenue CAGR: 19.36% | SUE: 0.66 | # QB: 0

Additional Sources for ALLY Stock

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