ALLY FINANCIAL INC (ALLY) Fundamental Analysis & Valuation

NYSE:ALLY • US02005N1000

37.44 USD
-0.63 (-1.65%)
Last: Mar 9, 2026, 02:23 PM
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This ALLY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Overall ALLY gets a fundamental rating of 3 out of 10. We evaluated ALLY against 54 industry peers in the Consumer Finance industry. ALLY may be in some trouble as it scores bad on both profitability and health. ALLY is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. ALLY Profitability Analysis

1.1 Basic Checks

  • ALLY had positive earnings in the past year.
  • ALLY had a positive operating cash flow in the past year.
  • Each year in the past 5 years ALLY has been profitable.
  • In the past 5 years ALLY always reported a positive cash flow from operatings.
ALLY Yearly Net Income VS EBIT VS OCF VS FCFALLY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B

1.2 Ratios

  • ALLY has a worse Return On Assets (0.38%) than 79.63% of its industry peers.
  • With a Return On Equity value of 4.79%, ALLY is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.38%
ROE 4.79%
ROIC N/A
ROA(3y)0.37%
ROA(5y)0.72%
ROE(3y)4.99%
ROE(5y)9.01%
ROIC(3y)N/A
ROIC(5y)N/A
ALLY Yearly ROA, ROE, ROICALLY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • With a Profit Margin value of 8.38%, ALLY is not doing good in the industry: 64.81% of the companies in the same industry are doing better.
  • ALLY's Profit Margin has declined in the last couple of years.
  • ALLY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 8.38%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-21.26%
PM growth 5Y-10.25%
GM growth 3YN/A
GM growth 5YN/A
ALLY Yearly Profit, Operating, Gross MarginsALLY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. ALLY Health Analysis

2.1 Basic Checks

  • ALLY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • ALLY has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, ALLY has less shares outstanding
  • ALLY has a better debt/assets ratio than last year.
ALLY Yearly Shares OutstandingALLY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
ALLY Yearly Total Debt VS Total AssetsALLY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

2.2 Solvency

  • A Debt/Equity ratio of 0.97 indicates that ALLY is somewhat dependend on debt financing.
  • ALLY's Debt to Equity ratio of 0.97 is fine compared to the rest of the industry. ALLY outperforms 64.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC20.59%
ALLY Yearly LT Debt VS Equity VS FCFALLY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B 30B 40B 50B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ALLY Yearly Current Assets VS Current LiabilitesALLY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. ALLY Growth Analysis

3.1 Past

  • ALLY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.95%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 4.76% on average over the past years.
  • ALLY shows a decrease in Revenue. In the last year, the revenue decreased by -0.74%.
  • ALLY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.27% yearly.
EPS 1Y (TTM)20.95%
EPS 3Y-14%
EPS 5Y4.76%
EPS Q2Q%39.74%
Revenue 1Y (TTM)-0.74%
Revenue growth 3Y-1.78%
Revenue growth 5Y3.27%
Sales Q2Q%4.79%

3.2 Future

  • Based on estimates for the next years, ALLY will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.39% on average per year.
  • ALLY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.39% yearly.
EPS Next Y40.68%
EPS Next 2Y29.95%
EPS Next 3Y24.38%
EPS Next 5Y12.39%
Revenue Next Year13.21%
Revenue Next 2Y9.64%
Revenue Next 3Y7.98%
Revenue Next 5Y6.39%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ALLY Yearly Revenue VS EstimatesALLY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B 10B
ALLY Yearly EPS VS EstimatesALLY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8

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5

4. ALLY Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.83, the valuation of ALLY can be described as very reasonable.
  • ALLY's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of ALLY to the average of the S&P500 Index (26.29), we can say ALLY is valued rather cheaply.
  • A Price/Forward Earnings ratio of 6.99 indicates a rather cheap valuation of ALLY.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ALLY indicates a somewhat cheap valuation: ALLY is cheaper than 72.22% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.60, ALLY is valued rather cheaply.
Industry RankSector Rank
PE 9.83
Fwd PE 6.99
ALLY Price Earnings VS Forward Price EarningsALLY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ALLY Per share dataALLY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40 50

4.3 Compensation for Growth

  • ALLY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • ALLY's earnings are expected to grow with 24.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.24
PEG (5Y)2.07
EPS Next 2Y29.95%
EPS Next 3Y24.38%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. ALLY Dividend Analysis

5.1 Amount

  • ALLY has a Yearly Dividend Yield of 3.01%.
  • ALLY's Dividend Yield is a higher than the industry average which is at 2.82.
  • Compared to an average S&P500 Dividend Yield of 1.82, ALLY pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.01%

5.2 History

  • The dividend of ALLY is nicely growing with an annual growth rate of 15.60%!
  • ALLY has been paying a dividend for at least 10 years, so it has a reliable track record.
  • ALLY has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)15.6%
Div Incr Years0
Div Non Decr Years8
ALLY Yearly Dividends per shareALLY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 65.90% of the earnings are spent on dividend by ALLY. This is not a sustainable payout ratio.
  • ALLY's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP65.9%
EPS Next 2Y29.95%
EPS Next 3Y24.38%
ALLY Yearly Income VS Free CF VS DividendALLY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B 2B 3B
ALLY Dividend Payout.ALLY Dividend Payout, showing the Payout Ratio.ALLY Dividend Payout.PayoutRetained Earnings

More info and screens

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ALLY Fundamentals: All Metrics, Ratios and Statistics

ALLY FINANCIAL INC

NYSE:ALLY (3/9/2026, 2:23:05 PM)

37.44

-0.63 (-1.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-21
Earnings (Next)04-15
Inst Owners84.92%
Inst Owner Change1.62%
Ins Owners0.72%
Ins Owner Change1.76%
Market Cap11.57B
Revenue(TTM)8.85B
Net Income(TTM)742.00M
Analysts80
Price Target54.67 (46.02%)
Short Float %4.2%
Short Ratio3.29
Dividend
Industry RankSector Rank
Dividend Yield 3.01%
Yearly Dividend1.59
Dividend Growth(5Y)15.6%
DP65.9%
Div Incr Years0
Div Non Decr Years8
Ex-Date02-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.71%
Min EPS beat(2)3.56%
Max EPS beat(2)11.87%
EPS beat(4)4
Avg EPS beat(4)17.56%
Min EPS beat(4)3.56%
Max EPS beat(4)34.38%
EPS beat(8)8
Avg EPS beat(8)33.07%
EPS beat(12)10
Avg EPS beat(12)21.62%
EPS beat(16)12
Avg EPS beat(16)14.14%
Revenue beat(2)1
Avg Revenue beat(2)-1.28%
Min Revenue beat(2)-2.88%
Max Revenue beat(2)0.32%
Revenue beat(4)2
Avg Revenue beat(4)-6.57%
Min Revenue beat(4)-23.98%
Max Revenue beat(4)0.32%
Revenue beat(8)3
Avg Revenue beat(8)-3.83%
Revenue beat(12)5
Avg Revenue beat(12)-2.3%
Revenue beat(16)9
Avg Revenue beat(16)0.13%
PT rev (1m)-0.25%
PT rev (3m)11.38%
EPS NQ rev (1m)-0.69%
EPS NQ rev (3m)-8.88%
EPS NY rev (1m)-0.49%
EPS NY rev (3m)-2.14%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-2.58%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.74%
Valuation
Industry RankSector Rank
PE 9.83
Fwd PE 6.99
P/S 1.31
P/FCF N/A
P/OCF 3.1
P/B 0.75
P/tB 0.76
EV/EBITDA N/A
EPS(TTM)3.81
EY10.18%
EPS(NY)5.36
Fwd EY14.32%
FCF(TTM)-1.77
FCFYN/A
OCF(TTM)12.06
OCFY32.22%
SpS28.64
BVpS50.14
TBVpS49.53
PEG (NY)0.24
PEG (5Y)2.07
Graham Number65.56
Profitability
Industry RankSector Rank
ROA 0.38%
ROE 4.79%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 8.38%
GM N/A
FCFM N/A
ROA(3y)0.37%
ROA(5y)0.72%
ROE(3y)4.99%
ROE(5y)9.01%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-21.26%
PM growth 5Y-10.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 306.01%
Cap/Sales 48.3%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC20.59%
ROIC/WACCN/A
Cap/Depr(3y)273.15%
Cap/Depr(5y)298.33%
Cap/Sales(3y)39.17%
Cap/Sales(5y)42.73%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.95%
EPS 3Y-14%
EPS 5Y4.76%
EPS Q2Q%39.74%
EPS Next Y40.68%
EPS Next 2Y29.95%
EPS Next 3Y24.38%
EPS Next 5Y12.39%
Revenue 1Y (TTM)-0.74%
Revenue growth 3Y-1.78%
Revenue growth 5Y3.27%
Sales Q2Q%4.79%
Revenue Next Year13.21%
Revenue Next 2Y9.64%
Revenue Next 3Y7.98%
Revenue Next 5Y6.39%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-23.87%
EBIT Next 3Y-1.66%
EBIT Next 5YN/A
FCF growth 1Y-151.12%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-17.65%
OCF growth 3Y-15.8%
OCF growth 5Y-0.05%

ALLY FINANCIAL INC / ALLY FAQ

What is the fundamental rating for ALLY stock?

ChartMill assigns a fundamental rating of 3 / 10 to ALLY.


What is the valuation status of ALLY FINANCIAL INC (ALLY) stock?

ChartMill assigns a valuation rating of 5 / 10 to ALLY FINANCIAL INC (ALLY). This can be considered as Fairly Valued.


Can you provide the profitability details for ALLY FINANCIAL INC?

ALLY FINANCIAL INC (ALLY) has a profitability rating of 2 / 10.


What is the earnings growth outlook for ALLY FINANCIAL INC?

The Earnings per Share (EPS) of ALLY FINANCIAL INC (ALLY) is expected to grow by 40.68% in the next year.


Is the dividend of ALLY FINANCIAL INC sustainable?

The dividend rating of ALLY FINANCIAL INC (ALLY) is 6 / 10 and the dividend payout ratio is 65.9%.