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Ally Financial Inc. ALLY R3KFINANCIAL

Financial Services · Credit Services · United States
https://www.ally.com
Company Profile ↓
$42.28
+11.86% 1Y
Mkt Cap$12.86B
P/E9.95
P/B0.94
Div. Yield2.84%
52W High$46.92
52W Low$35.47
Book Value$44.38
EPS (TTM)$4.25

Company Overview

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. The company also provides consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers; VSCs, VMCs, and GAP products; and underwrite select commercial insurance coverages, which primarily insure dealers' vehicle inventory. In addition, it provides senior secured asset-based and leveraged cash flow loans to middle-market companies; leveraged loans; commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings; and treasury activities, such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, original issue discount, and equity investments. Further, the company offers deposits and 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.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 9.9, below the sector median of 12.9.

Healthy Margins

Maintains a net profit margin of 18.4%.

Dividend Income

Offers a dividend yield of 2.84%.

Recent Developments

  • Dec 2025 Revenue of $1.24B (+3.8% YoY); net profit $852.00M.
  • Trailing 12 Months Year-on-year growth — revenue +11.0%, earnings +13.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR -9.6%, profit CAGR -4.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-9.55%
1 Year:11.00%

Compounded Profit Growth

5 Years:-4.72%
1 Year:13.50%

Stock Price Performance

1 Year:+11.86%
6 Months:+11.51%
3 Months:+0.46%
1 Month:-3.29%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 59% of range
$35.47 $46.92
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)43.37 · Neutral
Price Performance
1M-3.29%
3M+0.46%
6M+11.51%
1Y+11.86%
Valuation vs Sector

P/E of 9.95 is below the sector median of 12.89 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Attractive dividend yield of 2.84%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -9.6% CAGR over 5 years.
  • Earnings shrank at -4.7% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
9.95
Industry PE
12.89
Forward P/E
6.57
PEG Ratio
0.39
Book Value
$44.38
Price to Book
0.94
P/S
1.61
EV/EBITDA
-
Dividend Yield
2.84%

Growth (CAGR)

Revenue 5Y
-9.55%
Profit 5Y
-4.72%
Revenue (YoY)
11.00%
Earnings (YoY)
13.50%

Profitability & Returns

ROCE
-
ROE
9.68%
ROA
0.75%
Profit Margin
18.41%
Op Margin
25.27%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.18
EPS (TTM)
$4.25

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$23.08B
Total Assets
$199.77B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
9.65%
Chg in Prom Hold
-0.66%
FII / Inst Holding
88.80%
Chg in FII Hold
-0.10%

Financial Snapshot

Enterprise Value
$12.86B
Total Revenue (TTM)
$7.90B
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$4.57B
Shares Outstanding
304.20M
Gross Margin
0.00%
Payout Ratio
28.24%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ALLY Ally Financial Inc. R3KFINANCIAL 42.28 9.95 $12.86B 2.84% - 9.68% -9.55% -4.72%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue ---------172.00M172.00M173.00M-179.00M183.00M184.00M-186.00M179.00M191.00M-218.00M215.00M207.00M221.00M226.00M228.00M243.00M245.00M242.00M-244.00M324.00M319.00M-323.00M312.00M308.00M307.00M310.00M
Net Income 263.00M250.00M360.00M209.00M248.00M214.00M252.00M282.00M181.00M250.00M349.00M374.00M290.00M374.00M582.00M381.00M378.00M-319.00M241.00M476.00M687.00M796.00M900.00M712.00M655.00M482.00M299.00M299.00M311.00M285.00M62.00M143.00M219.00M198.00M108.00M-225.00M352.00M398.00M319.00M410.00M
Diluted EPS -1.970.490.710.430.520.460.550.630.410.570.810.880.700.921.460.970.99-0.850.641.261.822.112.411.891.861.400.880.890.930.840.110.370.620.550.26-0.821.041.180.931.18

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 6.20B5.72B3.41B4.46B4.26B4.65B4.86B5.44B5.76B689.00M727.00M753.00M852.00M908.00M968.00M1.20B1.24B
Net Income -10.30B1.03B-157.00M1.20B361.00M1.15B1.29B1.07B929.00M1.26B1.72B1.08B3.06B1.71B957.00M668.00M852.00M
Diluted EPS -21,765.00-1,039.00-691.000.96-1.641.83-2.662.152.042.954.342.888.225.032.771.802.37

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Jun 2009Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Jan 2017Dec 2017Jan 2018Dec 2018Jan 2019Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets ---172.01B184.06B182.35B150.91B151.63B158.58B163.73B-167.15B-178.87B-180.64B182.16B182.11B191.83B196.33B191.84B196.00B
Total Equity -26.05B20.74B20.40B19.28B19.90B14.21B15.40B13.44B13.32B13.32B13.49B13.38B13.27B13.27B14.42B14.70B17.05B12.86B13.70B13.90B15.50B
Cash & Equivalents 15.15B-13.04B11.67B13.04B7.51B5.53B5.58B6.38B5.93B-4.25B-4.54B-3.56B15.62B5.06B5.57B6.95B10.29B10.03B
Long Term Debt ---86.61B65.55B60.89B51.85B48.55B54.65B39.26B-33.19B-35.22B-24.81B16.92B11.16B13.34B13.23B12.68B14.41B
Total Liabilities ---151.52B164.78B162.45B136.96B136.23B145.14B150.41B-153.65B-165.60B-166.23B167.46B165.06B178.97B182.63B177.93B180.50B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -5.13B11.61B5.49B5.05B2.50B3.40B5.11B4.57B4.08B4.15B4.05B3.74B4.04B6.25B4.56B4.53B3.73B
Investing Cash Flow 17.13B-7.57B-14.13B-16.55B-3.54B-3.21B-10.00B-9.07B-8.73B-14.51B-3.77B8.43B-11.10B-17.26B-7.18B4.99B-5.26B
Financing Cash Flow -10.98B-7.99B10.05B8.04B-3.08B-145.00M5.44B3.67B2.03B10.72B-1.53B25.00M-3.85B11.57B3.84B-5.57B1.96B
Share Buybacks -----016.00M341.00M753.00M939.00M1.04B106.00M1.99B1.65B33.00M38.00M59.00M
Dividends Paid 1.59B1.25B819.00M802.00M810.00M268.00M2.57B108.00M184.00M242.00M273.00M289.00M-----

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -166.0%18.0%-4.6%26.8%8.5%24.7%26.5%19.6%16.1%183.3%235.9%144.1%359.2%188.8%98.9%55.8%68.5%
ROE % -49.7%5.0%-0.8%6.0%2.5%7.5%9.6%8.0%6.9%9.5%11.9%7.4%17.9%13.3%7.0%4.8%5.5%
ROCE % -----------------

Shareholding Pattern

Insiders
9.65%
Institutions
88.80%
Public Float
98.27%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.41% 28.63M $1.15B
2 Berkshire Hathaway, Inc 8.88% 27.00M $1.08B
3 Harris Associates L.P. 8.58% 26.11M $1.04B
4 Vanguard Portfolio Management LLC 4.63% 14.10M $563.96M
5 Vanguard Capital Management LLC 4.11% 12.49M $499.74M
6 Wellington Management Group, LLP 3.39% 10.31M $412.32M
7 Dimensional Fund Advisors LP 3.07% 9.33M $373.26M
8 State Street Corporation 2.92% 8.89M $355.42M
9 Sessa Capital IM, L.P. 2.79% 8.49M $339.52M
10 Arrowstreet Capital, Limited Partnership 2.26% 6.86M $274.52M

Analyst View

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Latest News

Recent headlines for ALLY

Yahoo Finance hu, 03 Sep 2026

Is Ally’s Widespread Digital Outage Altering The Investment Case For Ally Financial (ALLY)?

On 1 September 2026, many Ally Financial customers experienced outages on the bank’s website and app, with over 1,000 login issues reported and no clear timeline for resolution. This disruption highlights how dependent Ally’s all-digital mo…

Yahoo Finance Wed, 02 Sep 2026

Here Are Wednesday’s Top Wall Street Analyst Research Calls: Ally Financial, GitLab, GLOBAL FOUNDRIES, Martin Marietta Materials, Rocket Lab USA, Strategy, Toast, Tower Semiconductor, and More

Markets took a beating Tuesday as war tensions, surging oil, and the September curse hammered stocks, bonds, and gold all at once. Find out which stocks Wall Street upgraded, downgraded, or initiated fresh coverage on as analysts scramble t…

Yahoo Finance Wed, 26 Aug 2026

Consumer Finance Stocks Q2 In Review: Ally Financial (NYSE:ALLY) Vs Peers

Earnings results often indicate what direction a company will take in the months ahead. With Q2 behind us, let’s have a look at Ally Financial (NYSE:ALLY) and its peers.

Yahoo Finance hu, 20 Aug 2026

Ally Financial to present at the Barclays Global Financial Services Conference

Ally Financial (NYSE: ALLY) Chief Financial Officer Russ Hutchinson will present at the Barclays Global Financial Services Conference on Tuesday, September 15, 2026 at approximately 9:45 a.m. ET.

Yahoo Finance Fri, 14 Aug 2026

Driving the Next Generation Forward: Court Street Ford's Kenady Minley Recognized With 2026 Ally Sees Her Award

Ally Financial (NYSE: ALLY) announced at the 46th Annual National Association of Minority Automobile Dealers (NAMAD) Conference that Kenady Minley of Court Street Ford in Bourbonnais, Illinois, is the winner of the 2026 Ally Sees Her Award.…

Yahoo Finance Mon, 10 Aug 2026

Ally Financial Chief Risk Officer Stephanie Richard Sells 5,000 Shares

Richard executed the sale under a Rule 10b5-1 trading plan adopted in January, reducing her direct holdings by roughly 5% while maintaining a $4 million stake in the company.

ALLY — Frequently Asked Questions

What is the current share price of Ally Financial Inc. (ALLY)?

As of 2026-09-19 21:16 PDT, Ally Financial Inc. (ALLY) trades at $42.28 on NYSE. Its 52-week range is $35.47 to $46.92.

What is the market capitalisation of ALLY?

Ally Financial Inc. (ALLY) has a market capitalisation of $12.86B on NYSE.

What is the P/E ratio of ALLY?

ALLY trades at a trailing price-to-earnings (P/E) ratio of 9.95. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.94.

Does ALLY pay a dividend?

Ally Financial Inc. (ALLY) currently offers a dividend yield of 2.84%.

What is the return on equity (ROE) of ALLY?

ALLY has a return on equity (ROE) of 9.68%.

Is ALLY a good stock to buy?

This page provides a data-driven analysis of Ally Financial Inc. (ALLY), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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