Ally Financial Inc.
ALLY | NYSE
$38.17
-$1.47 (-3.71%)
At close: Oct 30, 2026, 4:00 PM ET
$38.25
+$0.08 (+0.21%)
Pre-market:
Nov 2, 2026, 7:40 AM ET
Market Data
Market Cap $11.61B
Enterprise Value $1.59B
Beta 1.10
Average Volume 3.55M
Shares Outstanding (Diluted) 308.13M
Shares Change YoY -1.81%
Institutional Ownership 95.22%
Exchange NYSE
ISIN US02005N1000
Price Performance
Price Change 1M 1.5%
Price Change 3M -11.9%
Price Change 6M -12.1%
Price Change YTD -15.7%
Price Change 1Y -2.0%
Price Change 3Y 57.8%
Price Change 5Y -20.1%
1M CAGR (ann.) -4.6%
1Y CAGR (ann.) -1.8%
5Y CAGR (ann.) -2.3%
All-Time CAGR 10.3%
Valuation
PE Ratio 8.75
Forward PE 6.57
PEG Ratio 0.05
Forward PEG 0.26
PS Ratio 0.72
Forward PS 1.20
PB Ratio 0.78
P/FCF Ratio -19.07
P/Adj. FCF Ratio -19.07
P/OCF Ratio 4.32
EV/Sales 0.10
EV/EBIT 0.84
EV/EBITDA 0.53
EV/FCF -2.62
Earnings Yield 11.4%
FCF Yield -5.2%
Adj. FCF Yield -5.2%
Financial Health
Net Cash $10.02B
Total Debt $25.03B
Cash & Short-Term Investments $35.05B
Total Assets $203.29B
Current Ratio 0.21
Quick Ratio 0.21
Debt / Equity Ratio 1.67
Debt / EBITDA 8.30
Debt / FCF -41.10
OCF / Debt 0.16
Interest Coverage 0.31
Altman Z-Score -0.62
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 49.8%
Operating Profit Margin 11.8%
EBITDA Margin 18.8%
Net Profit Margin 9.3%
FCF Margin -3.8%
Adj. FCF Margin -3.8%
SBC / Revenue 0.0%
SBC Impact (per share) N/A
Returns
Return on Assets 0.7%
Return on Equity 9.7%
Return on Invested Capital 3.5%
Return on Capital Employed 5.2%
Return on Tangible Assets 0.7%
Historical Growth (CAGR)
Revenue CAGR 3Y 1.4%
Revenue CAGR 5Y 8.3%
Revenue CAGR 10Y 5.0%
EPS CAGR 3Y 6.0%
EPS CAGR 5Y -11.9%
EPS CAGR 10Y 1.2%
FCF CAGR 3Y -415.3%
FCF CAGR 5Y -74.5%
FCF CAGR 10Y 12.7%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 13
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jan 20, 2027
EPS Estimate (next Q) $1.37
EPS Growth Est (next Q) 25.7%
Revenue Est (next Q) $2.35B
Revenue Growth Est (next Q) 10.9%
Fair Value Estimates
Graham Number $69.38
Graham Upside 81.8%
Lynch Fair Value $21.80
Lynch Upside -42.9%
Price Target $47.50
Price Target Upside 24.4%
Cash Flow
Operating Cash Flow $3.9B
Free Cash Flow $-609M
Adj. Free Cash Flow $-609M
FCF Per Share -$1.07
OCF Per Share $8.84
OCF/S Ratio 16.8%
Income Statement
Revenue $16.04B
Gross Profit $7.99B
Operating Income $1.89B
EBITDA $3.02B
Net Income $1.49B
EPS (Diluted) $4.36
Revenue / Employee $1.56M
Profit / Employee $144.56K
Employees 10,300
Dividends
Annual Dividend $1.25
Dividend Yield 3.27%
Payout Ratio 28.7%
FCF Payout Ratio -80.6%
Adj. FCF Payout Ratio -80.6%
Dividend Growth (YoY) 4.2%
Pay Frequency Quarterly
Ex-Dividend Date Nov 2, 2026
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