Stock Analysis
Ally Financial Inc.ALLY
P/E 7.88×· 5Y range 3.40–42.04×· 44th percentile of history
Sector: Financial Services · Industry: State Commercial Banks
AnalystsStrong Buy24 analystsP/E 7.9× sits at the 44th percentile of its 5.089664613278576-year history.
Cash covers 46% of debt · FY 2025.
PMP Verdict
Weak fundamentals
Risks
- Growth20
- Financial Health26
Weak fundamentals — valuation is the only support.
What's happening with ALLY
Profile
moat, growth, financial health, earnings quality and profitability lag behind.
How is each axis scored?
- Valuation74/100 · Moderate
- P/E vs own history (44th pct)12/25
- FCF yield (33.4%)25/25
- P/S (1.3x)25/25
- EV/EBIT (22.1x)12/25
- Growth20/100 · Weak
- Revenue CAGR (-0.9%)0/25
- Net income CAGR (-27.4%)0/25
- EPS CAGR 5Y (-24.5%)0/25
- Fwd implied growth (22.7%)20/25
- Profitability49/100 · Weak
- ROIC (3.0%)5/25
- ROE (9.4%)12/25
- Net margin (16.8%)20/25
- Operating margin (12.1%)12/25
- Financial Health26/100 · Weak
- Altman Z (0.10)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.1x)3/25
- Net cash / debt (D/A 6%)20/25
- Quality41/100 · Weak
- Piotroski F (4/9)10/25
- Beneish M (-2.67)25/25
- FCF conversion (n/a)0/25
- Margin stability (σ 19.2%)6/25
- Moat18/100 · Weak
- ROIC >12% years (0/7 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 8.2%)18/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠Interest coverage 0.1× — thin debt cushion
- ⚠Revenue shrinking 0.9%/yr
About Ally Financial Inc.
Formerly the captive financial arm of General Motors, Ally Financial became an independent publicly traded firm in 2014 and is one of the largest consumer auto lenders in the country. Show more
While the firm has expanded its product offerings over time, it remains primarily focused on auto lending, with more than 70% of its loan book in consumer auto loans and dealer financing. Ally also offers auto insurance, commercial loans, credit cards, and holds a portfolio of mortgage debt, giving the bank a diversified business model that includes brokerage services.
Headquarters: DETROIT, MI · Employees: 10,300 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
74B+P/E (TTM)7.9xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 3.4x–42.0x · 44th pct
P/FCF8.9xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield33.4%A
Grade A: ValueLatest stored TTM FCF / Market Cap — vs own 5Y history: 0.0%–34.2% · 97th pct
P/S (TTM)1.33xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.8x–2.6x · 33rd pct
EV/EBIT22.1xC
Grade C: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 5.4x–56.1x · 60th pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E6.4xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio0.74xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.38A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield4.28%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio33.8%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
49D+ROIC3.0%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE9.4%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA0.7%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin16.8%A
Grade A: HighNet Income / Revenue
Operating Margin12.1%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
20ERevenue CAGR-0.9%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-27.4%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-24.5%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth22.7%C
Grade C: MedAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-18.9%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
26EAltman Z-Score0.10D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.1xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT11.2xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity1.40xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.46xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
41D+Piotroski F-Score4/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.67A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability19.2%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Reilly David Filed | Reilly David | Grant / award | +864 | |
Bright Gunther Filed | Bright Gunther | Grant / award | +366 | |
GIBBONS THOMAS P Filed | GIBBONS THOMAS P | Grant / award | +1.3K | |
Richard Stephanie N Filed | Richard Stephanie N | SellOpen market sale | -5000 | |
Hutchinson Russell E. Filed | Hutchinson Russell E. | Tax withholding | -12614 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Reilly David Filed | Reilly David | Grant / award | +708 | |
Bright Gunther Filed | Bright Gunther | Grant / award | +300 | |
GIBBONS THOMAS P Filed | GIBBONS THOMAS P | Grant / award | +1.0K |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
18EROIC >12% Years0/7 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor8.2%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$4.78
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$2.00
Cash & short-term investments per share (Finnhub)
Book Value / Share$50.87
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$21.77B
Total debt obligations (short + long term)
Cash & Equiv.$10.03B
Cash and short-term investments
Net Debt$11.73B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$15.50B
Shareholders' equity (book value)
Asset / Liability1.09xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$11.50B
Current Market Capitalization
Beta1.18B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Ally Financial Inc. (ALLY)
Piotroski F-Score of 4/9 indicates mixed fundamentals for Ally Financial Inc.. Altman Z-Score of 0.10 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.67 suggests a low likelihood of earnings manipulation. Revenue has been contracting (CAGR ≈ -1%), which weighs on the growth outlook.
- Interest coverage of 0.1× leaves little room for earnings shocks.
- At a valuation score of 74/100, ALLY trades near the cheapest end of its own historical range (P/E 7.9).
- The stock currently yields 4.3% in dividends.
See how ALLY ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all ALLY moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 37.72 | +2.67% | 3.36 |
| Oct 15 | After-hours | 37.64 | +2.45% | 3.13 |
| Oct 14 | Regular | 36.63 | -2.59% | -2.58 |
| Oct 14 | After-hours | 36.74 | -2.29% | -2.22 |
| Oct 8 | After-hours | 37.87 | +1.34% | 2.10 |
Frequently Asked Questions about ALLY
What is the current Ally Financial Inc. (ALLY) stock price?
ALLY is trading at $37.68 at the last market close, down 0.13% on the session. PreMarketPrice tracks ALLY pre-market, intraday and after-hours prices.
Is ALLY stock a buy right now?
PreMarketPrice's quantitative model rates Ally Financial Inc.'s financial health at 26/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is ALLY stock overvalued?
Ally Financial Inc. trades at a trailing P/E of 7.9 and our valuation score rates it 74/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Ally Financial Inc. report earnings?
No confirmed earnings date is currently scheduled for ALLY. The Earnings section lists recent reports and updates as dates are announced.
What sector does Ally Financial Inc. operate in?
Ally Financial Inc. operates in the Financial Services sector, within the State Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does Ally Financial Inc. do?
Formerly the captive financial arm of General Motors, Ally Financial became an independent publicly traded firm in 2014 and is one of the largest consumer auto lenders in the country.
About Ally Financial Inc. (ALLY) Stock
Ally Financial Inc. (ALLY) is a US-listed stock operating in the Financial Services sector, specifically the State Commercial Banks industry. As of the latest update, Ally Financial Inc. is trading at $37.68, down 0.13% on the day with a market capitalization of $11.5 billion. The financial health score for ALLY is 26/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for ALLY stock.
ALLY Stock Analysis & Key Metrics
On PreMarketPrice, you can track Ally Financial Inc. (ALLY) across multiple dimensions:
- Pre-market price & movement: Real-time ALLY stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for ALLY with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Ally Financial Inc. across multiple reporting periods.
- Financial health score: A composite score of 26/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for ALLY.
- Sector peers: Compare ALLY against 6 other financial services stocks on key financial metrics.
Is ALLY a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Ally Financial Inc. (ALLY) as an investment. The financial health score of 26/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Ally Financial Inc. (ALLY) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.