Ally Financial (ALLY) Stock Overview
A digital financial-services company, provides various digital financial products and services in the United States and Canada. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 1/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for ALLY from our risk checks.
ALLY Community Fair Values
Create NarrativeSee what 80 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Top Community Narratives
US$50
FV
12.4% undervalued intrinsic discount18.57%
Revenue growth p.a.
38
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Ally Financial Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$43.81 |
| 52 Week High | US$47.27 |
| 52 Week Low | US$31.46 |
| Beta | 1.12 |
| 1 Month Change | 15.56% |
| 3 Month Change | 1.98% |
| 1 Year Change | 34.14% |
| 3 Year Change | 75.87% |
| 5 Year Change | -16.73% |
| Change since IPO | 68.71% |
Recent News & Updates
ALLY: Buybacks And Credit Discipline Will Support A Future Re Rating Path
Ally Financial's updated analyst price target edges slightly lower to about $51.89, reflecting analysts' recent mix of modest target cuts and occasional raises as they weigh steady fair value estimates, a small change in discount rate, and slight adjustments to growth, margin, and future P/E assumptions. Analyst Commentary Recent Street research on Ally Financial highlights a mix of optimism and caution, reflected in several small target raises and cuts clustered over the last few months.Ally Financial: 2026 Off To A Solid Start, Eyes On The Consumer & K Economy
Apr 17ALLY: Buybacks And ROTCE Progress Will Support A Future Re Rating Path
Analysts have nudged their average price target for Ally Financial slightly lower, trimming fair value to about $52.12 as they factor in more moderate revenue growth assumptions, marginally softer profit margins, a slightly lower discount rate, and a modestly reduced future P/E, reflecting recent mixed sector commentary and a series of fine tuned target changes across the consumer finance group. Analyst Commentary Recent research on Ally Financial reflects a mix of optimism around earnings power and capital return, alongside fresh caution tied to sector wide risks and policy headlines.Recent updates
ALLY: Buybacks And Credit Discipline Will Support A Future Re Rating Path
Ally Financial's updated analyst price target edges slightly lower to about $51.89, reflecting analysts' recent mix of modest target cuts and occasional raises as they weigh steady fair value estimates, a small change in discount rate, and slight adjustments to growth, margin, and future P/E assumptions. Analyst Commentary Recent Street research on Ally Financial highlights a mix of optimism and caution, reflected in several small target raises and cuts clustered over the last few months.Ally Financial: 2026 Off To A Solid Start, Eyes On The Consumer & K Economy
Apr 17ALLY: Buybacks And ROTCE Progress Will Support A Future Re Rating Path
Analysts have nudged their average price target for Ally Financial slightly lower, trimming fair value to about $52.12 as they factor in more moderate revenue growth assumptions, marginally softer profit margins, a slightly lower discount rate, and a modestly reduced future P/E, reflecting recent mixed sector commentary and a series of fine tuned target changes across the consumer finance group. Analyst Commentary Recent research on Ally Financial reflects a mix of optimism around earnings power and capital return, alongside fresh caution tied to sector wide risks and policy headlines.
ALLY: Capital Return And ROTCE Re Rating Will Drive Future Upside
Ally Financial's updated analyst fair value moves from $56.49 to $63.24, as analysts factor in sector wide price target revisions, shifting assumptions around future P/E and profitability, and ongoing debates about credit risk and consumer finance regulation. Analyst Commentary Recent Street research around Ally Financial shows a mix of caution around consumer finance as a group and pockets of clear optimism on Ally's specific setup.ALLY: Buybacks And ROTCE Execution Will Support A Constructive Re Rating Path
Analysts have slightly reduced their price target on Ally Financial, with fair value decreasing by about $0.29 to $52.76. This adjustment reflects a marginally lower discount rate and refined assumptions around future earnings multiples in a more challenging consumer finance environment.
ALLY: Future Returns Will Depend On Credit Quality And Capital Return Execution
Narrative Update: Analyst Price Target Revision Ally Financial's updated analyst price target reflects a mixed set of recent revisions. Some firms trimmed targets by $1 to $2, while others lifted them by $5 to $9, as analysts balance expectations for stable consumer fundamentals, potential credit and regulatory risks, and company-specific return on equity improvement plans.ALLY: Future Returns Will Hinge On Credit Trends And Balance Sheet Cleanup
Analysts have lifted their fair value estimate for Ally Financial from $37.00 to $46.00, reflecting a shift toward higher target prices across recent research. This research points to resilient consumer fundamentals, expectations for improving credit metrics, and a higher assumed future P/E multiple, despite some firms trimming near term revenue growth and profit margin assumptions.ALLY: Buybacks And ROTCE Improvements Will Drive A Constructive Re Rating Path
Narrative Update: Ally Financial Analysts have raised their blended price target on Ally Financial by about US$2 to roughly US$53, reflecting updated assumptions for slightly stronger revenue growth, higher profit margins, and a lower future P/E multiple. This view is supported by recent research that highlights steady fundamentals, improving credit metrics, and ongoing return on tangible equity initiatives across the consumer and specialty finance group.ALLY: Credit Risk And Buybacks Will Shape A Cautious ROTCE Re Rating Path
Narrative Update The analyst price target for Ally Financial has moved from about US$48.60 to roughly US$51.20, as analysts factor in updated fair value estimates, modest adjustments to revenue growth and profitability assumptions, and a slightly higher future P/E expectation supported by recent research commentary. Analyst Commentary Recent Street research on Ally Financial reflects a mix of optimism around returns and earnings power, alongside caution around credit quality and near term earnings risk.ALLY: Improving Credit Trends And Buybacks Will Shape A Measured Upside Path
Analysts have nudged their price target on Ally Financial modestly higher, with fair value rising by about $0.53 to approximately $48.59 per share as they factor in slightly stronger revenue growth, marginally better profit margins, and improving credit dynamics supported by recent research commentary. Analyst Commentary Recent Street research presents a generally constructive outlook on Ally Financial, with most firms highlighting improving credit trends, supportive rate dynamics, and the potential for earnings upside, even as some near term execution risks and modest estimate cuts temper enthusiasm.ALLY: Improving Credit Trends And Auto Tariffs Will Drive Shares Higher
Ally Financial’s consensus analyst price target has risen modestly, supported by analysts’ outlook for improved credit performance and resilience in auto finance as industry conditions evolve. Analyst Commentary Recent analyst commentary on Ally Financial reflects both optimism and caution as the company navigates evolving conditions in the auto finance sector.ALLY: Improving Credit Performance Will Drive Shares Higher Through Year Ahead
Analysts have modestly increased their price target for Ally Financial, raising it from $42 to $43. They cite expectations for improved credit performance and potential upside from favorable auto market trends.ALLY: Shares Will Benefit From Improving Auto Credit Trends
Analysts have slightly increased their price target for Ally Financial, with updated expectations rising by $0.35 per share. This change is based on ongoing improvements in credit trends and the potential benefits of stabilizing auto markets.Analyst Commentary Highlights Rising Price Targets and Improved Credit Outlook for Ally Financial
Analysts have raised their average price target for Ally Financial by approximately $0.59 to $47.71, citing improving credit trends and reduced downside risk as key factors in the revision. Analyst Commentary Recent analyst commentary on Ally Financial reflects a mix of optimism and caution, with attention focused on the company's evolving credit landscape and its implications for valuation and earnings growth.Ally Financial (NYSE:ALLY) Is Due To Pay A Dividend Of $0.30
Oct 12
Digital Banking And Auto Finance Will Define A Bright Future
Analysts have modestly raised Ally Financial's price target to $47.12, citing improving auto credit quality, a more stable macro environment, and enhanced net interest margins from lower online deposit rates. Analyst Commentary Bullish analysts point to improving auto credit quality and positive trends in year-over-year delinquencies and charge-offs.Digital Banking And Auto Finance Will Define A Bright Future
Supported by improving credit performance, lower macro risks, and strategic actions that bolster profitability and NIM outlook, analysts modestly raised Ally Financial’s consensus price target from $46.00 to $46.47. Analyst Commentary Diminished interest rate and macroeconomic risks have improved outlook on profitability and reduced left-tail risk scenarios.Ally Financial (NYSE:ALLY) Will Pay A Dividend Of $0.30
Jul 21Ally Financial: It's Fairly Valued But Beware Of Tariffs And Technical Risks
Apr 25Ally Financial: Planned Credit Card Business Sale Shows Renewed Focus On Core Business
Feb 24Ally Financial: Asset Sale Should Not Outweigh A Mixed Outlook
Jan 24Ally Financial: Holding Out For Stronger Loan Growth, Better Profit Margin
Dec 26Ally Financial: Shares Are Unlikely To Rebound Until Delinquencies Stabilize
Oct 24Ally Financial: Bright Outlook Ahead, But Is Overvalued
Sep 06
Calculated Shifts And Capital Management Fuel Financial Stability And Expansion
Strategic capital management through CRTs enhances Ally Financial's balance sheet efficiency and financial stability by better risk management and freeing up capital.Ally Financial: Credit Concerns Likely Limit Upside After Q2 Results (Downgrade)
Jul 17Ally Financial: Improving Credit Metrics, But Caution Is Warranted
Jun 30Shareholder Returns
| ALLY | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -4.2% | -5.1% | -0.2% |
| 1Y | 34.1% | 14.5% | 27.6% |
Return vs Industry: ALLY exceeded the US Consumer Finance industry which returned 14.5% over the past year.
Return vs Market: ALLY exceeded the US Market which returned 27.6% over the past year.
Price Volatility
| ALLY volatility | |
|---|---|
| ALLY Average Weekly Movement | 4.9% |
| Consumer Finance Industry Average Movement | 6.9% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.3% |
Stable Share Price: ALLY has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: ALLY's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1919 | 10,300 | Michael Rhodes | www.ally.com |
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations. It offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing; and financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services.
Ally Financial Inc. Fundamentals Summary
| ALLY fundamental statistics | |
|---|---|
| Market cap | US$13.65b |
| Earnings (TTM) | US$1.29b |
| Revenue (TTM) | US$7.69b |
10.5x
P/E Ratio1.8x
P/S RatioIs ALLY overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ALLY income statement (TTM) | |
|---|---|
| Revenue | US$7.69b |
| Cost of Revenue | US$0 |
| Gross Profit | US$7.69b |
| Other Expenses | US$6.40b |
| Earnings | US$1.29b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 4.18 |
| Gross Margin | 100.00% |
| Net Profit Margin | 16.73% |
| Debt/Equity Ratio | 137.6% |
How did ALLY perform over the long term?
See historical performance and comparisonDividends
2.7%
Current Dividend Yield29%
Payout RatioDoes ALLY pay a reliable dividends?
See ALLY dividend history and benchmarks| Ally Financial dividend dates | |
|---|---|
| Ex Dividend Date | May 01 2026 |
| Dividend Pay Date | May 15 2026 |
| Days until Ex dividend | 1 day |
| Days until Dividend pay date | 15 days |
Does ALLY pay a reliable dividends?
See ALLY dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/04/29 10:49 |
| End of Day Share Price | 2026/04/29 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Ally Financial Inc. is covered by 36 analysts. 16 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jason Goldberg | Barclays |
| Jason Goldberg | Barclays |
| Kevin St. Pierre | Bernstein |