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Ally Financial Inc.
ALLY: NYSELowest reading is at 13 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Michael G. Rhodes
Market Cap
11.46 Billion USD
Sector
Financial Services
Website
https://www.ally.comLast Update
15/10/2026, 01:01:02
Description
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada.
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Strongest readings
- ✔Share count has been falling at 3.77% per year
- ✔Price-to-earnings of 8.6 is below the market average of 19.6
- ✔Dividend cover is strong (dividend score 72 out of 100)
Weakest readings
- ✘Revenue is growing at 6.61% per year while free cashflow is falling
- ✘Earnings and cashflow growth is weak (growth score 13 out of 100)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 8.59x | 19.60x | |
| ✔ | Margin of safety (DCF) | 35.44% | 17.95% | |
| ✘ | Revenue growth (5y average) | 6.61% | 10.97% | |
| ✔ | Dividend yield (TTM) | 3.33% | 1.85% | |
| ✔ | Share count, per year | -3.77% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
100 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 8.59x | 19.60x | |
| ✔ | Free cashflow yield | 6.66% | 4.70% | |
| ✔ | Price / earnings growth | 0.27x | 1.50x | |
| Price / book | 0.74x | — | ||
| ✔ | Margin of safety | 35.44% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Estimated intrinsic value of 50.92 USD is above the current price of 37.68 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 117.7 USD ✔
Current Price: 37.6 USD
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
13 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 6.61% | 10.97% | |
| ✘ | Earnings growth | -34.77% | 14.48% | |
| ✘ | Cashflow growth | -37.19% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Earnings growth has improved this year (320.65% against a five year average of -34.77%)
- ✘Revenue is growing at 6.61% per year while free cashflow is falling at 37.19% per year
Health
56 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✘ | Debt / equity | 1.10x | 0.80x | |
| ✔ | Debt / total capital | 0.52x | 1.00x | |
| Equity / assets | 7.91% | — | ||
| Loans / deposits | 0.91x | — | ||
| Net interest margin | 3.63% | — | ||
| Loan-loss cover | 2.54% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
72 / 100Covered by both earnings and cashflow.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 3.33% | 1.85% | |
| ✔ | Dividend growth | 1.88% | 0.00% | |
| ✔ | Payout ratio (earnings) | 26.20% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 50.00% | 65.00% | |
| ✔ | Worst year, last 5 years | -0.08% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Dividend growth has been accelerating recently
Management
44 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 5.50% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 0.43% | — | ||
| Free cashflow return on capital | -0.28% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✔ | Share count, per year | -3.77% | 0.00% | |
| ✔ | Share count, recent | -1.88% | 0.00% | |
| ✘ | Realized buyback return | -36.42% | 0.00% | |
| ✘ | Goodwill erosion / equity | 4.08% | 2.00% | |
| Price volatility, 5 year | 38.12% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 100 out of 100
- ✘Dividends were raised while earnings fell (dividend 1.48% per year, earnings -34.77% per year)
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
ALLY
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Ally Financial Inc.
Currency
USD
Beta
1.074
Vol Avg
3182130
Ceo
Mr. Michael G. Rhodes
Cik
0000040729
Cusip
Exchange
NYSE
Full Time Employees
10300
Industry
Credit Services
Sector
Financial Services
Ipo Date
Address
Ally Detroit Center
City
Detroit
State
MI
Country
United States
Zip
48226
Phone
866 710 4623
Analysis Last Updated
15/10/2026, 01:01:02
Financial data compiled from SEC EDGAR filings and Yahoo Finance.