ALLY Stock Analysis: Ally Financial | NYSE
Credit Services | NYSE, USA | Market Cap: 13.604m USD | 12M Return: 15.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 144M
EPS Trend: 7.5%
Qual. Beats: 0
Rev. Trend: -1.2%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Ally Financial Inc. (NYSE: ALLY) is a Detroit-based digital financial-services company operating in the United States and Canada through three main segments: Automotive Finance, Insurance, and Corporate Finance. Its Automotive Finance segment offers retail installment contracts, dealer floorplan financing, lease products, and fleet financing, while the Insurance segment provides vehicle service contracts, maintenance contracts, GAP coverage, and commercial dealer insurance through the automotive dealer channel. The Corporate Finance segment delivers senior secured, asset-based, and leveraged loans to middle-market companies, along with commercial real estate financing for nursing facilities, senior housing, and medical office buildings. Ally also runs a direct banking platform offering deposits, securities brokerage, and investment advisory services, alongside treasury and investment portfolio management activities. Founded in 1919 and formerly known as GMAC Inc., Ally rebranded in May 2010 and is classified within the Consumer Finance sub-industry of the Financials sector, positioning it as one of the larger U.S. providers of auto financing and a notable digitally focused challenger bank.
- Auto loan credit losses rise as used car prices soften
- Net interest margin compresses as Fed cuts rates
- Retail deposit growth funds loan book expansion
| Net Income: 1.45b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.33 > 1.0 |
| NWC/Revenue: -999.5% < 20% (prev -802.7%; Δ -196.8% < -1%) |
| CFO/TA 0.02 > 3% & CFO 4.17b > Net Income 1.45b |
| Net Debt (22.8b) to EBITDA (3.23b): 7.04 < 3 |
| Current Ratio: 0.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (311.0m) vs 12m ago -0.45% < -2% |
| Gross Margin: 49.70% > 18% (prev 43.77%; Δ 5.93% > 0.5%) |
| Asset Turnover: 8.14% > 50% (prev 8.19%; Δ -0.05% > 0%) |
| Interest Coverage Ratio: 0.30 > 6 (EBIT TTM 1.84b / Interest Expense TTM 6.17b) |
| A: -0.79 (Total Current Assets 339.0m - Total Current Liabilities 159b) / Total Assets 200b |
| B: 0.01 (Retained Earnings 1.10b / Total Assets 200b) |
| C: 0.01 (EBIT TTM 1.84b / Avg Total Assets 195b) |
| D: 0.08 (Book Value of Equity 15.5b / Total Liabilities 184b) |
| Altman-Z'' = -5.03 = D |
As of July 28, 2026, the stock is trading at USD 43.68 with a total of 2,873,455 shares traded. Over the past week, the price has changed by -4.04%, over one month by -7.56%, over three months by -0.95% and over the past year by +15.89%.
Current recommended Stop Loss: 42.00 (which is 3.8% or 1.3 ATR below the current price).
Ally Financial has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy ALLY.
- StrongBuy: 10
- Buy: 4
- Hold: 4
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 54.1 | 23.9% |
P/E Trailing = 10.7899
P/E Forward = 8.2919
P/S = 1.7697
P/B = 1.0251
P/EG = 0.4764
Revenue TTM = 15.8b USD
EBIT TTM = 1.84b USD
EBITDA TTM = 3.23b USD
Long Term Debt = 17.1b USD (from longTermDebt, last fiscal year)
Short Term Debt = 5.92b USD (from shortTermDebt, last quarter)
Debt = 23.1b USD (from shortLongTermDebtTotal, last quarter) + Leases 121.0m
Net Debt = 22.8b USD (calculated: Debt 23.1b - CCE 339.0m)
Enterprise Value = 36.4b USD (13.6b + Debt 23.1b - CCE 339.0m)
Interest Coverage Ratio = 0.30 (Ebit TTM 1.84b / Interest Expense TTM 6.17b)
EV/FCF = 1000.0x (Enterprise Value 36.4b / FCF TTM 11.0m)
FCF Yield = 0.03% (FCF TTM 11.0m / Enterprise Value 36.4b)
FCF Margin = 0.07% (FCF TTM 11.0m / Revenue TTM 15.8b)
Net Margin = 9.18% (Net Income TTM 1.45b / Revenue TTM 15.8b)
Gross Margin = 49.70% ((Revenue TTM 15.8b - Cost of Revenue TTM 7.97b) / Revenue TTM)
Gross Margin QoQ = 52.23% (prev 48.96%)
Tobins Q-Ratio = 0.18 (Enterprise Value 36.4b / Total Assets 200b)
Interest Expense / Debt = 26.72% (Interest Expense 6.17b / Debt 23.1b)
Taxrate = 20.81% (382.0m / 1.84b)
NOPAT = 1.45b (EBIT 1.84b * (1 - 20.81%))
Current Ratio = 0.00 (Total Current Assets 339.0m / Total Current Liabilities 159b)
Debt / Equity = 1.49 (Debt 23.1b / totalStockholderEquity, last quarter 15.5b)
Debt / EBITDA = 7.04 (Net Debt 22.8b / EBITDA 3.23b)
Debt / FCF = 2.07k (out of range, set to none) (Net Debt 22.8b / FCF TTM 11.0m)
Total Stockholder Equity = 15.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.75% (Net Income 1.45b / Total Assets 200b)
RoE = 9.42% (Net Income TTM 1.45b / Total Stockholder Equity 15.4b)
RoCE = 5.65% (EBIT 1.84b / Capital Employed (Equity 15.4b + L.T.Debt 17.1b))
RoIC = 0.73% (NOPAT 1.45b / Invested Capital 199b)
WACC = 17.28% (E(13.6b)/V(36.7b) * Re(10.69%) + D(23.1b)/V(36.7b) * Rd(26.72%) * (1-Tc(0.21)))
Discount Rate = 10.69% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 68.28 | Cagr: 0.38%
[DCF] Terminal Value 47.18% ; FCFF base≈259.4m ; Y1≈227.5m ; Y5≈183.8m
[DCF] Fair Price = N/A (negative equity: EV 1.22b - Net Debt 22.8b = -21.5b; debt exceeds intrinsic value)
EPS Correlation: 7.52 | EPS CAGR: 2.47% | SUE: -0.10 | # QB: 0
Revenue Correlation: -1.22 | Revenue CAGR: -0.06% | SUE: 0.80 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.45 | Chg30d=+0.06% | Revisions=+30% | Analysts=13
EPS current Year (2026-12-31): EPS=5.27 | Chg30d=-0.91% | Revisions=-38% | GrowthEPS=+38.3% | GrowthRev=+13.9%
EPS next Year (2027-12-31): EPS=6.44 | Chg30d=-0.65% | Revisions=+0% | GrowthEPS=+22.2% | GrowthRev=+6.4%
[Analyst] Revisions Ratio: +0% (up=8, down=8)