Inside the research
Ally Financial Inc.
ALLY Research profile · latest available data
Price overview
$38.79
▲ +0.05 (+0.1%)
| 52w hi | $46.92 |
|---|---|
| 52w lo | $35.47 |
| Vol | 2.92M |
| As of | 25 Sep 2026 |
The Verdict
Our score -0.19
| Short | -0.40 |
|---|---|
| Medium | -0.19 |
| Long | +0.22 |
computed 2026-09-27
Key fundamentals
Ally Financial Inc.
Financial Services · Credit Services
| Market cap | $11.80B |
|---|---|
| Enterprise value | $28.90B |
| Trailing P/E | 9.13x |
| Forward P/E | 6.19x |
| P / S (ttm) | 1.49x |
| Profit margin | 18.4% |
| Return on equity | 9.7% |
| Revenue growth | +11.0% |
| Earnings growth | +13.5% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.34 | |
| Sector | +0.02 | |
| Technical | -0.29 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business 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.
Risk Metrics
| Beta vs SPX | 1.26 |
|---|---|
| Corr SPX | 0.64 |
| Annual vol | 31.6% |
| Annual ret | +10.9% |
| Sharpe | 0.34 |
| Max DD | -24.9% |
Window: 504 trading days (504 obs)
Analyst Coverage
| Mean PT | $54.01 |
|---|---|
| High / Low | $70.00 / $46.00 |
| Median | $54.00 |
| Analysts | 17 |
| Strong Buy | 4 | |
|---|---|---|
| Buy | 10 | |
| Hold | 4 | |
| Sell | 0 | |
| Strong Sell | 0 |
Recent rating actions
| 2026-04-21 | Evercore ISI Group | → Outperform |
| 2026-04-20 | Morgan Stanley | → Overweight |
| 2026-04-20 | Goldman Sachs | → Buy |
| 2026-04-20 | Barclays | → Equal-Weight |
| 2026-04-10 | B of A Securities | → Buy |
| 2026-04-09 | JP Morgan | → Overweight |
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-21 | Earnings Release, Exhibits | read |
| 2026-05-20 | Bylaws Amendment, Exhibits | read |
| 2026-05-08 | Officer / Director Change, Shareholder Vote… | read |
| 2026-05-01 | 3.03, Bylaws Amendment… | read |
| 2026-04-27 | Other Material Event, Exhibits | read |
| 2026-04-17 | Earnings Release, Exhibits | read |
| 2026-01-21 | Earnings Release, Exhibits | read |
| 2025-12-10 | Reg FD Disclosure, Other Material Event… | read |
| 2025-12-09 | Officer / Director Change | read |
| 2025-10-17 | Earnings Release, Exhibits | read |
| 2025-07-31 | Other Material Event, Exhibits | read |
| 2025-07-28 | Other Material Event, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-04 | Richard Stephanie N | Officer, Chief Risk Offic | Sell | 5.00K | $221.17K |
| 2026-07-21 | Hutchinson Russell E. | Officer, Chief Financial | Withheld for tax | 12.61K | $560.44K |
| 2026-07-09 | Reilly David | Director | Grant | 708 | $32.53K |
| 2026-07-09 | GIBBONS THOMAS P | Director | Grant | 1.03K | $47.51K |
| 2026-07-09 | Bright Gunther | Director | Grant | 300 | $13.79K |
| 2026-05-15 | Richard Stephanie N | Officer, Chief Risk Offic | Sell | 5.00K | $210.71K |
| 2026-05-15 | Hutchinson Russell E. | Officer, Chief Financial | J | 6 | $6.00K |
| 2026-05-15 | Weber Tracey Drake | Director | Grant | 3.63K | $152.51K |
| 2026-05-15 | SHARPLES BRIAN | Director | Grant | 3.63K | $152.51K |
| 2026-05-15 | Reilly David | Director | Grant | 3.63K | $152.51K |
Flow & Concentration
| Insider 180d net | -$431.88K |
|---|---|
| Insider buys / sells | 0 / 2 |
| Insider bias | Neutral |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
Dividends
| Yield (TTM) | 2.32% |
|---|---|
| $ / share (TTM) | $0.90 |
| 5y CAGR | +9.6% |
Annual dividend per share
| 2021 | $0.88 |
|---|---|
| 2022 | $1.20 |
| 2023 | $1.20 |
| 2024 | $1.20 |
| 2025 | $1.20 |
| 2026 | $0.60 |
SEC Filings
The Long Run
FY 2011–2025 · 15 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $968.00M | -12.4% | |
| Net income | $957.00M | +17.0% | |
| Cash from ops | $3.73B | -2.3% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $38.75 | $38.98 | $38.19 | $38.79 | 2.92M |
| Sep 24 | $38.68 | $38.88 | $38.19 | $38.74 | 3.91M |
| Sep 23 | $38.87 | $39.02 | $38.46 | $38.58 | 3.89M |
| Sep 22 | $40.31 | $40.46 | $39.06 | $39.07 | 3.67M |
| Sep 21 | $40.39 | $40.40 | $39.87 | $39.89 | 2.54M |
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