ALLY
Ally Financial Inc
$45.99
▲ 1.5%Updated Today 12:11 PM ET
ALLY at a glance — five pillars scored 0–100 from real filed financials.
Overall: Favorable · 69/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 12.0% over the last 12 months
Market Cap
$13.89B
P/E
9.95x
Forward P/E (est.)
7.11x
ROE
9.2%
Revenue Growth
37.4%
EPS Growth
387.8%
Profit Margin
13.3%
FCF Yield
17.3%
Debt / Equity
1.14x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
2.6%
Implied Growth (rev. DCF)
—
Rating Score
69/100
Ally Financial Inc (ALLY) is a large-cap company in the Financial Services industry, part of the Financials sector of the S&P 500, with a market value around $13.89B.
In its latest reported year it generated about $7.91B in revenue and $852.00M in net profit.
Our model rates ALLY Favorable (69/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what ALLY's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. ALLY trades near $45.99, above its 50-day average ($43.81) and 200-day average ($41.98). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 63 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. ALLY's is $1.20 (~2.6% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month ALLY found buyers near $41.60 (support) and sellers near $47.29 (resistance); its 52-week range is $35.92–$47.29. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.1× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
-0.9%
Revenue moved from $5.44B in 2016 to $7.91B in 2025, a 4.3% compound annual growth rate. The most recent year grew a strong 37.4% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
15.9%
Net Margin
10.8%
ROE
9.2%
Ally Financial Inc keeps about 13.3% of each sales dollar as net profit. Return on equity is 9.2%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$17.35B
Net Debt
$7.83B
Net Debt / EBITDA
—
Debt / Equity
1.14x
Leverage: debt-to-equity is 1.1x. That is a moderate, manageable debt load for most businesses. It carries roughly $17.35B of total debt against $9.52B of cash.
Operating CF
$3.73B
Free Cash Flow
$3.73B
FCF Margin
47.1%
In the latest year Ally Financial Inc produced about $3.73B of operating cash flow and $3.73B of free cash flow after capital spending. That is a free-cash-flow yield of about 17.3% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
9.95x
P/S
0.88x
P/B
0.9x
EV / EBITDA
—
ALLY trades at 10.0x trailing earnings (about 7.1x on estimated forward earnings), 0.9x sales, and 0.9x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where ALLY sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 95 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How ALLY stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (181 S&P 500 companies), ALLY ranks #30 of 181 by our overall rating. It trades at a discount versus the sector on earnings (10x P/E vs. 15.3x median) with a lower return on equity (9.2% vs. 13.6%) and faster revenue growth (37.4% vs. 15.5%).
P/E vs sector
10x
median 15.3x
ROE vs sector
9.2%
median 13.6%
Growth vs sector
37.4%
median 15.5%
Sector rank
#30
of 181 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 181 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $45.99 today · expected CAGR 12% – 24%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $10.84B | $14.85B | $20.35B | $27.88B | $38.19B |
| Net income | $1.19B | $1.63B | $2.24B | $3.07B | $4.20B |
| EPS | $3.89 | $5.33 | $7.30 | $10.00 | $13.71 |
| Share price (low) | $23.35 | $31.98 | $43.82 | $60.03 | $82.24 |
| Share price (high) | $38.91 | $53.30 | $73.03 | $100.05 | $137.07 |
| CAGR (low–high) | -49% / -15% | -17% / 8% | -2% / 17% | 7% / 21% | 12% / 24% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for ALLY:
- Revenue is growing 37.4% a year, a sign of real demand.
- Healthy free-cash-flow yield (~17.3%) funds buybacks and dividends.
- Pays a 2.6% dividend on top of any price gains.
- Our model's overall read is Favorable (69/100).
The case against ALLY:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Balance-sheet risk — debt/equity of 1.1x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Ally Financial Inc is a large-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 10.0x earnings, which our model scores Favorable (69/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
ALLY — frequently asked questions
Is ALLY a good stock to buy?
We don't give buy or sell advice. Our model rates Ally Financial Inc Favorable (69/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is ALLY's rating on The Stocks School?
Ally Financial Inc currently scores 69/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does ALLY's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Ally Financial Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for ALLY calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this ALLY analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell ALLY. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.