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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 - $47.29
Previous CloseN/A
Volume1.18M
Average Volume (3M)3.06M
Market Cap
$13.95B
Enterprise Value$34.12K
Total Cash (Recent Filing)$29.06B
Total Debt (Recent Filing)$21.60B
Price to Earnings (P/E)11.0
Beta1.15
Next Earnings
Oct 21, 2026EPS Estimate
1.46Next Dividend Ex-DateN/A
Dividend Yield2.7%
Share Statistics
EPS (TTM)4.15
Shares Outstanding306,523,070
10 Day Avg. Volume2,619,869
30 Day Avg. Volume3,059,247
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$54.38Price Target Upside19.87% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering9
EPS Forecast (FY)5.32
Revenue Forecast (FY)$9.01B
Bulls Say, Bears Say
Bulls Say
Deposit Franchise / Funding DurabilityA large, stickier retail deposit base provides a durable, low-cost funding source that supports sustained asset growth and NIM stability. Ally’s long track record of customer growth (69 consecutive quarters) and digital-first bank model reduce reliance on wholesale funding and underpin long-term lending capacity.
Scale And Growth In Auto OriginationsStrong, repeatable origination volume drives portfolio growth and economies of scale in auto finance. Consistent origination increases feed interest income and servicing streams, and the high application flow and dealer relationships support sustainable market share and diversified distribution over the medium term.
Improving Net Interest MarginNIM expansion is central to Ally’s earnings power; management’s guidance toward sustained upper-3s% implies continued asset repricing and deposit optimization. A structurally higher margin increases earning-asset returns and supports ROE improvement if maintained across the business mix and funding profile.
Bears Say
Weak Free Cash Flow And Cash ConversionNear-zero free cash flow despite positive operating cash flow indicates weak conversion of earnings into discretionary cash. This limits the company’s flexibility for buybacks, excess dividends, or cushioning credit losses, and increases dependence on external funding if asset growth remains elevated.
Meaningful Leverage On Balance SheetHigher leverage compresses the capital cushion relative to asset risk and can amplify earnings volatility from credit shocks. For a lender with growing portfolios, a 1.38x debt-to-equity posture reduces room for error on charge-offs or reserve builds and may constrain capital returns during stress periods.
CECL Reserve Sensitivity And Higher ProvisioningCECL reserve builds tied to rapid asset growth make provisioning and reported earnings sensitive to origination pace. This introduces structural earnings volatility and can require elevated provisions as the portfolio scales, reducing sustainable EPS and potentially pressuring capital metrics if trend persists.
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 $47.29 in the past 12 months.
What is Ally Financial’s market cap?
Ally Financial’s market cap is $13.95B.
When is Ally Financial’s upcoming earnings report date?
Ally Financial’s upcoming earnings report date is Oct 21, 2026 which is in 91 days.
How were Ally Financial’s earnings last quarter?
Ally Financial released its earnings results on Jul 21, 2026. The company reported $1.21 earnings per share for the quarter, missing the consensus estimate of $1.223 by -$0.013.
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 2.7%. See more information on Ally Financial dividends here
What is Ally Financial’s EPS estimate?
Ally Financial’s EPS estimate is 1.46.
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 $1.21 in its last earnings report, missing expectations of $1.223. Following the earnings report the stock price went down -2.395%.
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
Neutral
1
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5
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7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$54.38 (19.87% Upside)
$54.38 (19.87% Upside)
Blogger Sentiment
Bullish
ALLY Sentiment 70%
Sector Average 62%
Sector Average 62%
Hedge Fund Trend
Increased
By 660.0K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Positive
Last 7 Days ▼ 1.0%
Last 30 Days ▲ 2.6%
Last 30 Days ▲ 2.6%
News Sentiment
Very Bullish
Bullish news 83%
Bearish news 17%
Bearish news 17%
Technicals
SMA
Positive
20 days / 200 days
Momentum
17.56%
12-Months-Change
Fundamentals
Return on Equity
2.70%
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 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
$54.38
▲(19.87% Upside)
Technical Analysis
Credit Acceptance
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Ownership Overview
0.73% Insiders
28.71% Mutual Funds
1.34% Other Institutional Investors
49.73% Public Companies and Individual Investors