Ally Financial Inc. (ALLY) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Ally Financial Inc. operates as a digital-first financial services provider, offering a comprehensive suite of products and services to individual consumers, commercial enterprises, and corporate clients. Its primary operational footprint spans the United States and Canada. The company is structured into four main operating segments: 1. Automotive Finance Operations: This segment specializes in vehicle financing solutions.
Is Ally Financial Inc. stock overvalued or undervalued in 2026?
Ally Financial Inc. (ALLY) trades at 8.9× earnings (P/E), below the median of the 324 financial services companies over $2bn in Kaplio's universe. At the decade median (10.4×) $45 (+17 %); at its sector median (13.0×) $57 (+46 %).
Kaplio overview: Ally Financial Inc.
Market cap $12B · 52 weeks $36 – $47 (17 % below the high) · P/E 8.9× · 2027 expected P/E 6.4× · Dividend 3.1 % · Next earnings January 20, 2027 · expected EPS $1.37 · Closing price, Oct 28 · accounts published Oct 20.
- Valuation: P/E 8.9× (fairly priced).
- Business: ROE 9.7 % (weak).
- Balance sheet: Debt/Equity 1.67 (fragile).
- Earnings: 6 of 8 (on track).
What would it be worth at its usual multiples?
At the decade median (10.4×) $45 (+17 %); at its sector median (13.0×) $57 (+46 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in financial services: 2 of 6 pass
- Operating margin 8.6 %, fails.
- ROE 9.7 %, fails.
- FCF / Net Income −75.9 %, fails.
- Debt / Equity 1.67, fails.
- 5y revenue growth 6.5 %, passes, near the threshold.
- P/E vs own 5y 8.9×, passes.
Against its peers (reference peers) — Ally Financial Inc.: P/E 8.9×; EV/EBITDA 9.6×; ROIC 3.5 %; $11.8B. OneMain Holdings, Inc. (P/E 8.7×; EV/EBITDA 14.8×; ROIC 32.5 %; $6.6B), SoFi Technologies, Inc. (P/E 31.2×; EV/EBITDA 15.3×; ROIC 4.5 %; $22.1B), Synchrony Financial (P/E 7.9×; EV/EBITDA 5.3×; ROIC 2.7 %; $24.5B).
Expensive or cheap against its last ten years?
P/E at each close: today 8.9× · median 10.4× · minimum 2.7× · maximum 19.1× · cheap below 8.7× · expensive above 13.1×. It has been cheaper than today only 32% of the time over its last ten years.
Dividend
tight (only raised recently) · Yield 3.1 % ($1.57 per share in 2025) · Years raising it 1 · 5-year growth +15 % a year · Free cash flow coverage 1.6× · With $1,000 invested today you'd collect $30.90 a year ($2.57 a month).
Profitability
| Return on Equity | 9.67% |
| Return on Invested Capital | 3.49% |
| Return on Assets | 0.73% |
| Gross Margin | 49.83% |
| Operating Margin | 11.78% |
| Net Margin | 9.28% |
Financial Health
| Debt / Equity | 1.67 |
| Current Ratio | 0.21 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 0.03 |
Price Performance
| 1 month | +2.62% |
| 3 months | -10.45% |
| Year-to-date | -14.33% |
| 1 year | -2.93% |
| 3 years | +62.41% |
| 5 years | -18.73% |
| 10 years | +114.72% |
Dividend History
Paid in the last 12 months: $1.2000 per share in 4 payments.
| Date | Amount |
|---|---|
| 2026-11-02 | $0.3500 |
| 2026-07-31 | $0.3000 |
| 2026-05-01 | $0.3000 |
| 2026-02-02 | $0.3000 |
| 2025-10-31 | $0.3000 |
| 2025-08-01 | $0.3000 |
| 2025-05-01 | $0.3000 |
| 2025-01-31 | $0.3000 |
| 2024-11-01 | $0.3000 |
| 2024-08-01 | $0.3000 |
Amounts adjusted for stock splits.
Related companies: COF · SOFI · CACC · SYF · OMF · AX
Explore sector: Financial Services · Financial - Credit Services
More sections of ALLY: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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