(ALLY) Ally Financial - Overview

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

Stock:

Total Rating 24

Risk 30

Buy Signal -0.61

Credit Services +0.4
Consumer Finance -3.7

Market Cap: 12,926m
Avg Trading Vol: 157M USD

ATR: 2.95%
Peers RS (IBD): 75.68

Risk 5d forecast
Volatility	33.9%
Relative Tail Risk	-7.99%

Reward TTM
Sharpe Ratio	0.33
Alpha	-8.23

Character TTM
Beta	1.129
Beta Downside	1.483

Drawdowns 3y
Max DD	31.60%
CAGR/Max DD	0.46

EPS (Earnings per Share)

EPS CAGR: -15.28%
EPS Trend: -41.1%

Last SUE: 0.17
Qual. Beats: 0

Revenue

Rev. CAGR: -22.60%
Rev. Trend: -7.9%

Last SUE: 1.43
Qual. Beats: 1

Description: ALLY Ally Financial

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States, Canada, and Bermuda. The company operates through Automotive Finance Operations, Insurance Operations, Corporate Finance Operations, and Corporate and Other segments. It offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing to consumers, automotive dealers and retailers, companies, and municipalities; and financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The company also provides consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers; VSCs, VMCs, and GAP products; and underwrite select commercial insurance coverages, which primarily insure dealers' vehicle inventory. In addition, it provides senior secured asset-based and leveraged cash flow loans to middle-market companies; leveraged loans; commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings; and treasury activities, such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, original issue discount, and equity investments. Further, the company offers commercial banking products and services; and securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.

Piotroski VR‑10 (Strict, 0-10) 2.0

Net Income: 852.0m TTM > 0 and > 6% of Revenue
FCF/TA: -0.00 > 0.02 and ΔFCF/TA -0.71 > 1.0
NWC/Revenue: -132.0% < 20% (prev -757.8%; Δ 625.8% < -1%)
CFO/TA 0.02 > 3% & CFO 3.09b > Net Income 852.0m
Net Debt (11.73b) to EBITDA (1.97b): 5.97 < 3
Current Ratio: 0.90 > 1.5 & < 3
Outstanding Shares: last quarter (314.3m) vs 12m ago 0.96% < -2%
Gross Margin: 51.98% > 18% (prev 0.41%; Δ 5157 % > 0.5%)
Asset Turnover: 6.27% > 50% (prev 8.53%; Δ -2.27% > 0%)
Interest Coverage Ratio: 0.14 > 6 (EBITDA TTM 1.97b / Interest Expense TTM 4.85b)

Altman Z'' -0.39

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: 0.00 (EBIT TTM 665.0m / Avg Total Assets 193.92b)
D: 0.11 (Book Value of Equity 20.12b / Total Liabilities 180.50b)
Altman-Z'' Score: -0.39 = B

Beneish M 1.00

DSRI: 148.5 (Receivables 136.81b/1.24b, Revenue 12.15b/16.37b)
GMI: 0.79 (GM 51.98% / 41.12%)
AQI: 0.26 (AQ_t 0.20 / AQ_t-1 0.79)
SGI: 0.74 (Revenue 12.15b / 16.37b)
TATA: -0.01 (NI 852.0m - CFO 3.09b) / TA 196.00b)
Beneish M-Score: 117.5 (Cap -4..+1) = D

What is the price of ALLY shares?

As of February 24, 2026, the stock is trading at USD 39.97 with a total of 3,884,240 shares traded.
Over the past week, the price has changed by -3.20%, over one month by -2.08%, over three months by +1.55% and over the past year by +11.84%.

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	32%
Analysts Target Price	52.8	32%

ALLY Fundamental Data Overview February 21, 2026

P/E Trailing = 17.6793
P/E Forward = 7.5529
P/S = 1.7529
P/B = 0.9554
P/EG = 0.2798
Revenue TTM = 12.15b USD
EBIT TTM = 665.0m USD
EBITDA TTM = 1.97b 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 = 24.66b USD (12.93b + Debt 21.77b - CCE 10.03b)
Interest Coverage Ratio = 0.14 (Ebit TTM 665.0m / Interest Expense TTM 4.85b)
EV/FCF = -83.60x (Enterprise Value 24.66b / FCF TTM -295.0m)
FCF Yield = -1.20% (FCF TTM -295.0m / Enterprise Value 24.66b)
FCF Margin = -2.43% (FCF TTM -295.0m / Revenue TTM 12.15b)
Net Margin = 7.01% (Net Income TTM 852.0m / Revenue TTM 12.15b)
Gross Margin = 51.98% ((Revenue TTM 12.15b - Cost of Revenue TTM 5.84b) / Revenue TTM)
Gross Margin QoQ = none% (prev 49.52%)
Tobins Q-Ratio = 0.13 (Enterprise Value 24.66b / Total Assets 196.00b)
Interest Expense / Debt = 7.25% (Interest Expense 1.58b / Debt 21.77b)
Taxrate = 15.28% (59.0m / 386.0m)
NOPAT = 563.4m (EBIT 665.0m * (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 = 5.97 (Net Debt 11.73b / EBITDA 1.97b)
Debt / FCF = -39.78 (negative FCF - burning cash) (Net Debt 11.73b / FCF TTM -295.0m)
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 = 7.61% (E(12.93b)/V(34.69b) * Re(10.07%) + D(21.77b)/V(34.69b) * Rd(7.25%) * (1-Tc(0.15)))
Discount Rate = 10.07% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.22%
Fair Price DCF = unknown (Cash Flow -295.0m)
EPS Correlation: -41.09 | EPS CAGR: -15.28% | SUE: 0.17 | # QB: 0
Revenue Correlation: -7.86 | Revenue CAGR: -22.60% | SUE: 1.43 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.96 | Chg30d=-0.081 | Revisions Net=-1 | Analysts=15
EPS current Year (2026-12-31): EPS=5.24 | Chg30d=-0.140 | Revisions Net=-9 | Growth EPS=+37.6% | Growth Revenue=+13.8%
EPS next Year (2027-12-31): EPS=6.31 | Chg30d=+0.134 | Revisions Net=+5 | Growth EPS=+20.4% | Growth Revenue=+6.0%

Additional Sources for ALLY Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle