Stock AnalizAlly Financial Inc. ALLY
Major Banks · IPO 2014 · data as of November 13, 2026
Ally Financial Inc. (ALLY) is a financial company listed in the US with a market value of about $11.5B. In the twelve months to September 30, 2026 it had revenue of $8.8B and net income of $1.4B, a net margin of 15.4%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 8.8, a price to free cash flow of 2.3, 5-year revenue growth of 3% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 106% above the current price.
Score: 2.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Profit margin improving
- Profitable 5 years in a row
- Positive free cash flow
- Pays a dividend
Checks not passed
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $8.8B | $7.9B | $8.2B | $8.2B | $8.4B | $8.2B | $6.7B | $6.4B | $5.8B | $5.8B | $5.4B |
| Net income | $1.4B | $852M | $668M | $957M | $1.7B | $3.1B | $1.1B | $1.7B | $1.3B | $929M | $1.1B |
| Free cash flow | $5.0B | $3.7B | $4.5B | $4.6B | $6.2B | $4.0B | $3.7B | $4.0B | $4.2B | $4.1B | $4.6B |
| EPS (diluted) | $4.37 | $2.37 | $1.80 | $2.77 | $5.03 | $8.22 | $2.88 | $4.34 | $2.95 | $2.04 | $2.15 |
| Net margin | 15.4% | 10.8% | 8.2% | 11.6% | 20.3% | 37.3% | 16.2% | 26.8% | 21.8% | 16.1% | 19.6% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 18 analysts is $47.34, 24% above the current price; targets range from $40.00 to $56.00; the consensus rating is “Buy”; expected EPS is $5.00 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Ally Financial’s P/E ratio?
About 8.8, based on the last twelve months of diluted earnings per share (forward P/E about 6.7).
Is Ally Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 106% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Ally Financial pay a dividend?
Yes. The dividend yield is about 3.66%, and it has paid dividends for 10 years in our data.
Is Ally Financial a good stock to buy?
We do not give buy or sell advice. Ally Financial scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.