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$35.71 - $47.27
Previous CloseN/A
Volume1.18M
Average Volume (3M)3.19M
Market Cap
$12.55B
Enterprise Value$25.20B
Total Cash (Recent Filing)$29.06B
Total Debt (Recent Filing)$21.60B
Price to Earnings (P/E)9.4
Beta1.21
Next Earnings
Jul 22, 2026EPS Estimate
1.27Next Dividend Ex-DateN/A
Dividend Yield2.58%
Share Statistics
EPS (TTM)4.15
Shares Outstanding306,523,070
10 Day Avg. Volume3,308,629
30 Day Avg. Volume3,192,818
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)0.91
Price to Sales (P/S)1.16
P/FCF Ratio-21.76
Enterprise Value/Market Cap2.01
Enterprise Value/Revenue1.61
Enterprise Value/Gross Profit3.29
Enterprise Value/Ebitda9.09
Forecast
1Y Price Target
$52.55Price Target Upside15.84% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering12
EPS Forecast (FY)5.33
Revenue Forecast (FY)$8.99B
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 $35.71 and its highest was $47.27 in the past 12 months.
What is Ally Financial’s market cap?
Ally Financial’s market cap is $12.55B.
When is Ally Financial’s upcoming earnings report date?
Ally Financial’s upcoming earnings report date is Jul 22, 2026 which is in 46 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 1.27.
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
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10
Analyst Consensus
Strong Buy
Average Price Target:
$52.55 (15.84% Upside)
$52.55 (15.84% 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
Very Positive
Last 7 Days ▲ 1.5%
Last 30 Days ▲ 3.4%
Last 30 Days ▲ 3.4%
Technicals
SMA
Positive
20 days / 200 days
Momentum
23.60%
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., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment 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. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.
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
$52.55
▲(15.84% Upside)
Technical Analysis
Credit Acceptance
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Ownership Overview
0.73% Insiders
28.32% Mutual Funds
39.46% Other Institutional Investors
12.36% Public Companies and Individual Investors