Ally Financial (ALLY)
NYSE:ALLY
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ALLY Stock Chart & Stats
$45.36
$0.17(0.48%)
At close: 4:00 PM EST
$45.36
$0.17(0.48%)
Day’s Range― - ―
52-Week Range$35.92 - $47.27
Previous CloseN/A
Volume1.18M
Average Volume (3M)3.35M
Market Cap
$13.94B
Enterprise Value$26.02B
Total Cash (Recent Filing)$29.06B
Total Debt (Recent Filing)$21.60B
Price to Earnings (P/E)10.1
Beta1.20
Next Earnings
Jul 21, 2026EPS Estimate
1.26Next Dividend Ex-DateN/A
Dividend Yield2.58%
Share Statistics
EPS (TTM)4.15
Shares Outstanding306,523,070
10 Day Avg. Volume3,833,092
30 Day Avg. Volume3,352,762
Financial Highlights & Ratios
PEG Ratio0.61
Price to Book (P/B)0.91
Price to Sales (P/S)1.16
P/FCF Ratio-21.76
Enterprise Value/Market Cap1.87
Enterprise Value/Revenue1.66
Enterprise Value/Gross Profit3.40
Enterprise Value/Ebitda8.26
Forecast
1Y Price Target
$52.40Price Target Upside15.52% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering11
EPS Forecast (FY)5.33
Revenue Forecast (FY)$8.98B
Bulls Say, Bears Say
Bulls Say
Deposit Funding StabilityA large, retail-heavy deposit base provides durable, low-cost funding and reduces reliance on volatile wholesale markets. With ~90% of funding from retail deposits and high FDIC coverage, Ally has structural funding stability that supports lendable assets and NIM resilience over the medium term.
Improving Credit QualityMaterial year-over-year declines in net charge-offs and delinquencies point to improving underwriting and loan performance. Sustained credit improvement reduces reserve volatility and loss absorption, enabling steadier earnings, capital preservation and potential for prudent balance-sheet growth over 2–6 months.
Stronger Capital PositionRising CET1 and tangible book growth increase capital buffers and optionality. With an explicit dividend and ongoing buybacks, management signals confidence and capital-aware allocation, supporting shareholder returns while retaining capacity for accretive lending or absorbing stress without immediate capital actions.
Bears Say
Weak Free Cash Flow ConversionDespite strong operating cash generation, near-zero free cash flow indicates weak conversion of earnings to discretionary cash. This constrains long-term financial flexibility, limiting funding for capex, additional buybacks or buffer against credit stress and makes capital returns more contingent on volatile cash items.
Meaningful LeverageA leverage profile around 1.38x, while typical for finance firms, leaves less room for asset-quality deterioration. Elevated leverage increases sensitivity to credit losses and interest-rate moves, constraining strategic flexibility and amplifying the impact of cyclical shocks on capital and solvency metrics over the medium term.
Auto Finance Reserve & Lease PressureAuto finance profitability is exposed to CECL reserve volatility and lease-yield headwinds (including termination losses). Structural sensitivity to used-vehicle values, lease returns and reserve builds can swing auto earnings and capital needs, constraining steady long-term earning power in the core business.
Ally Financial News
ALLY FAQ
What was Ally Financial’s price range in the past 12 months?
Ally Financial lowest stock price was $35.92 and its highest was $47.27 in the past 12 months.
What is Ally Financial’s market cap?
Ally Financial’s market cap is $13.94B.
When is Ally Financial’s upcoming earnings report date?
Ally Financial’s upcoming earnings report date is Jul 21, 2026 which is in 30 days.
How were Ally Financial’s earnings last quarter?
Ally Financial released its earnings results on Apr 17, 2026. The company reported $1.11 earnings per share for the quarter, beating the consensus estimate of $0.934 by $0.176.
Is Ally Financial overvalued?
According to Wall Street analysts Ally Financial’s price is currently Undervalued.
Does Ally Financial pay dividends?
Ally Financial pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 2.58%. See more information on Ally Financial dividends here
What is Ally Financial’s EPS estimate?
Ally Financial’s EPS estimate is 1.26.
How many shares outstanding does Ally Financial have?
Ally Financial has 306,523,070 shares outstanding.
What happened to Ally Financial’s price movement after its last earnings report?
Ally Financial reported an EPS of $1.11 in its last earnings report, beating expectations of $0.934. Following the earnings report the stock price went up 8.103%.
Which hedge fund is a major shareholder of Ally Financial?
Currently, no hedge funds are holding shares in ALLY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Ally Financial Stock Smart Score
Outperform
1
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4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$52.40 (15.52% Upside)
$52.40 (15.52% Upside)
Blogger Sentiment
Bullish
ALLY Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 660.0K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Neutral
Last 7 Days ▼ 0.6%
Last 30 Days ▲ 0.9%
Last 30 Days ▲ 0.9%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
27.18%
12-Months-Change
Fundamentals
Return on Equity
9.19%
Trailing 12-Months
Asset Growth
2.04%
Trailing 12-Months
Company Description
Ally Financial
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. Offerings include retail installment sales contracts, loans, and operating leases for consumers, as well as term loans for dealerships. It also facilitates dealer floorplan financing, other lines of credit for dealers, warehouse lines for automotive retailers, and fleet financing. Furthermore, this division provides funding for companies and municipalities purchasing or leasing vehicles and offers vehicle remarketing services. 2. Insurance Operations: Through this segment, Ally provides consumer finance protection and various insurance products via the automotive dealer channel. It also extends commercial insurance products directly to dealerships. Key offerings include vehicle service and maintenance contracts, guaranteed asset protection (GAP) products, and underwriting for commercial coverages, primarily safeguarding dealers' vehicle inventory. 3. Mortgage Finance Operations: This division oversees a portfolio of consumer mortgage loans. Its activities encompass the bulk acquisition of jumbo and low-to-moderate income mortgage loans originated by third parties, alongside direct-to-consumer mortgage offerings. 4. Corporate Finance Operations: This segment delivers senior secured leveraged cash flow loans and asset-based lending solutions to middle-market companies. It also provides other leveraged loans and commercial real estate products, particularly catering to firms within the healthcare industry. Beyond its core segments, Ally Financial Inc. also furnishes a variety of commercial banking products and services, alongside securities brokerage and investment advisory services. The company, founded in 1919 and based in Detroit, Michigan, was previously known as GMAC Inc. before officially changing its name to Ally Financial Inc. in May 2010.
ALLY Company Deck
ALLY Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a majority of positive operating and financial developments: double-digit EPS growth, material improvement in ROTCE, record application and origination volumes, stronger credit trends, improved tangible book value, and a constructive view on regulatory capital. Management reiterated guidance and emphasized disciplined, capital-aware growth plus shareholder returns via dividend and buybacks. Headwinds were present but manageable — chiefly lease-related margin pressure (including a $10M lease termination loss), CECL reserve impact in Auto, competition in auto and deposits, and macro uncertainty that could affect NIM timing and asset quality. Overall, positives materially outweigh the modest, defined challenges, and management projects confidence in executing its strategy and achieving medium-term targets.View all ALLY earnings summariesALLY Net revenue Breakdown
69.17% Automotive Finance operations
18.81% Insurance operations
6.10% Corporate Finance operations
2.76% Mortgage Finance operations
ALLY Stock 12 Month Forecast
Average Price Target
$52.40
▲(15.52% Upside)
Technical Analysis
Credit Acceptance
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Ownership Overview
0.73% Insiders
28.32% Mutual Funds
39.46% Other Institutional Investors
11.95% Public Companies and Individual Investors