ALLY
BULLISH
$42.24
Live
Ally Financial Inc. · NYSE
Target $51.65
(+22.3%)
$29.91
52W Range
$47.27
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 16, 2026
Market cap
$13.06B
P/E
17.97
ROE
5.8%
Profit margin
11.6%
Debt/Equity
N/A
Dividend yield
2.82%
AI Analysis
AI-powered fundamental assessment
Confidence
75%
Ally Financial exhibits a stable health profile with a Piotroski F-Score of 4/9 and is significantly undervalued relative to its Graham Number ($47.52) and Intrinsic Value ($69.33). The company shows explosive earnings growth (265.4% YoY) and a highly attractive Forward P/E of 6.67 and PEG of 0.47. While low ROE (5.8%) and a bearish technical trend (0/100) present short-term headwinds, the fundamental valuation gap provides a substantial margin of safety. The stock is currently trading below book value (P/B 0.99), suggesting a strong entry point for value-oriented investors.
Key Strengths
Significant undervaluation relative to Graham Number ($47.52) and Intrinsic Value ($69.33)
Exceptional earnings growth (265.4% YoY) and strong quarterly beat record
Highly attractive valuation metrics including a Forward P/E of 6.67 and PEG of 0.47
Trading slightly below book value (Price/Book: 0.99)
Strong analyst consensus with a target price of $51.65
Key Risks
Weak profitability efficiency with low ROE (5.8%) and ROA (0.44%)
Bearish technical trend (0/100) indicating short-term price pressure
High volatility in quarterly earnings, evidenced by a massive miss in April 2025
Bearish insider sentiment with net selling activity
Exposure to credit cycle risks inherent in the Credit Services industry
AI Fair Value Estimate
Based on comprehensive analysis
$53.4
+26.4% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
72
Strong
95
88
65
50
60
AI Verdict
Strong Value Play
Key drivers: Deep valuation discount, Explosive earnings growth, Stable Piotroski health
Confidence
80%
Value
95/100
P/E 17.97, Forward P/E 6.67, PEG 0.47, Graham $47.52
Positives
- P/B < 1.0
- Forward P/E is very low
- Price is below Graham Number
Watchpoints
No urgent risks highlighted.
Future
88/100
Ref YoY Growth rates and Analyst Target $51.65
Positives
- Revenue growth 12%
- Earnings growth 265.4%
- Positive analyst target price
Watchpoints
- Technical trend is bearish
Past
65/100
Ref Historical returns and Earnings track record
Positives
- Strong 1Y return (+34.9%)
- Consistent earnings beats in 3 of last 4 quarters
Watchpoints
- Extreme earnings volatility in 2025
Health
50/100
Ref Piotroski F-Score and Profitability metrics
Positives
- Piotroski F-Score 4/9 (Stable)
Watchpoints
- Low ROE (5.8%)
- Low ROA (0.44%)
Dividend
60/100
Ref Yield 2.82%, Payout 50.63%
Positives
- Sustainable payout ratio (50.63%)
- Consistent yield (2.82%)
Watchpoints
- Yield is modest compared to some financial peers
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$42.24
Analyst Target
$51.65
Upside/Downside
+22.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ALLY and closest competitors.
Updated 2026-04-15
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ALLY
Ally Financial Inc.
Primary
|
+4.1% | +73.2% | +34.9% | +8.0% | +17.5% | +1.3% |
|
CNA
CNA Financial Corporation
Peer
|
+50.4% | +58.3% | +8.7% | +12.8% | +5.8% | -0.0% |
|
BEN
Franklin Resources, Inc.
Peer
|
+21.5% | -0.8% | +34.2% | +4.8% | +6.1% | -2.6% |
|
BNT
Brookfield Wealth Solutions Ltd.
Peer
|
+17.8% | +95.9% | +19.2% | +4.4% | +0.8% | -0.6% |
|
ERIE
Erie Indemnity Company
Peer
|
+25.4% | +14.0% | -32.1% | -21.8% | -0.3% | +3.2% |
ALL
Ally Financial Inc.
Primary
5Y
+4.1%
3Y
+73.2%
1Y
+34.9%
6M
+8.0%
1M
+17.5%
1W
+1.3%
CNA
CNA Financial Corporation
Peer
5Y
+50.4%
3Y
+58.3%
1Y
+8.7%
6M
+12.8%
1M
+5.8%
1W
-0.0%
BEN
Franklin Resources, Inc.
Peer
5Y
+21.5%
3Y
-0.8%
1Y
+34.2%
6M
+4.8%
1M
+6.1%
1W
-2.6%
BNT
Brookfield Wealth Solutions Ltd.
Peer
5Y
+17.8%
3Y
+95.9%
1Y
+19.2%
6M
+4.4%
1M
+0.8%
1W
-0.6%
ERI
Erie Indemnity Company
Peer
5Y
+25.4%
3Y
+14.0%
1Y
-32.1%
6M
-21.8%
1M
-0.3%
1W
+3.2%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
17.97
Forward P/E
6.67
PEG Ratio
0.47
P/B Ratio
0.99
P/S Ratio
1.77
EV/Revenue
3.69
EV/EBITDA
N/A
Market Cap
$13.06B
Profitability
Profit margins and return metrics
Profit Margin
11.55%
Operating Margin
20.4%
Gross Margin
N/A
ROE
5.8%
ROA
0.44%
Growth
Revenue and earnings growth rates
Revenue Growth
+12.0%
Earnings Growth
+265.4%
Q/Q Revenue Growth
+5.45%
Q/Q Earnings Growth
+202.8%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$32.45
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$2.4B
Net Margin
13.8%
Total Assets
$196.0B
Liabilities
$180.5B
Equity
$15.5B
Debt/Equity
11.65x
Operating CF
$0.6B
CapEx
$-0.9B
Free Cash Flow
$-0.3B
FCF Yield
-39%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-17
$N/A
2026-01-21
$1.09
+6.5% surprise
2025-10-17
$1.15
+14.1% surprise
2025-07-18
$0.99
+22.1% surprise
Financial Services Sector Comparison
Comparing ALLY against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
17.97
This Stock
vs
36.01
Sector Avg
-50.1%
(Discount)
Return on Equity (ROE)
5.8%
This Stock
vs
-0.73%
Sector Avg
-891.0%
(Below Avg)
Profit Margin
11.55%
This Stock
vs
91.62%
Sector Avg
-87.4%
(Weaker)
Revenue Growth
12.0%
This Stock
vs
35.27%
Sector Avg
-66.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ALLY
Ally Financial Inc.
|
BULLISH | $13.06B | 17.97 | 5.8% | 11.6% | $42.24 | |
|
CNA
CNA Financial Corporation
|
NEUTRAL | $13.04B | 10.27 | 11.5% | 8.5% | $48.18 | Compare |
|
BEN
Franklin Resources, Inc.
|
NEUTRAL | $13.2B | 28.44 | 3.8% | 6.0% | $25.31 | Compare |
|
BNT
Brookfield Wealth Solutions Ltd.
|
NEUTRAL | $12.9B | 11.41 | 9.5% | 9.2% | $47.03 | Compare |
|
ERIE
Erie Indemnity Company
|
NEUTRAL | $13.25B | 23.25 | 26.2% | 13.8% | $253.38 | Compare |
ALLY
Ally Financial Inc.
BULLISH
Mkt Cap
$13.1B
P/E
18.0
ROE
5.8%
Price
$42.24
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-09 | GIBBONS THOMAS P | Director | Stock Award | 1,211 | $47,508 |
| 2026-04-09 | BRIGHT GUNTHER | Director | Stock Award | 348 | $13,652 |
| 2026-04-09 | REILLY DAVID | Director | Stock Award | 829 | $32,522 |
| 2026-02-03 | RHODES MICHAEL GEORGE | Chief Executive Officer | Stock Award | 99,291 | $4,200,009 |
| 2026-02-03 | TIMMERMAN DOUGLAS R. | Officer | Stock Award | 41,135 | $1,740,010 |
| 2026-02-03 | MEHLMAN HOPE | Officer | Stock Award | 23,405 | $990,032 |
| 2026-02-03 | HUTCHINSON RUSSELL E. | Chief Financial Officer | Stock Award | 38,298 | $1,620,005 |
| 2026-02-03 | RICHARD STEPHANIE N. | Officer | Stock Award | 18,972 | $802,516 |
| 2026-02-03 | PATTERSON KATHLEEN L. | Officer | Stock Award | 18,618 | $787,541 |
| 2026-02-03 | MCGRATH AUSTIN THOMAS | Officer | Stock Award | 27,897 | $1,180,043 |
| 2026-02-03 | HALL WILLIAM CADIK JR | Officer | Stock Award | 27,483 | $1,162,531 |
| 2026-01-27 | HUTCHINSON RUSSELL E. | Chief Financial Officer | Purchase | 11,566 | $499,307 |
| 2026-01-23 | RHODES MICHAEL GEORGE | Chief Executive Officer | Purchase | 23,800 | $991,867 |
| 2026-01-09 | GIBBONS THOMAS P | Director | Stock Award | 1,049 | $47,509 |
| 2026-01-09 | BRIGHT GUNTHER | Director | Stock Award | 160 | $7,246 |
GIBBONS THOMAS P
Director
2026-04-09
1,211 shares
·
$47,508
BRIGHT GUNTHER
Director
2026-04-09
348 shares
·
$13,652
REILLY DAVID
Director
2026-04-09
829 shares
·
$32,522
RHODES MICHAEL GEORGE
Chief Executive Officer
2026-02-03
99,291 shares
·
$4,200,009
TIMMERMAN DOUGLAS R.
Officer
2026-02-03
41,135 shares
·
$1,740,010
MEHLMAN HOPE
Officer
2026-02-03
23,405 shares
·
$990,032
HUTCHINSON RUSSELL E.
Chief Financial Officer
2026-02-03
38,298 shares
·
$1,620,005
RICHARD STEPHANIE N.
Officer
2026-02-03
18,972 shares
·
$802,516
PATTERSON KATHLEEN L.
Officer
2026-02-03
18,618 shares
·
$787,541
MCGRATH AUSTIN THOMAS
Officer
2026-02-03
27,897 shares
·
$1,180,043
HALL WILLIAM CADIK JR
Officer
2026-02-03
27,483 shares
·
$1,162,531
HUTCHINSON RUSSELL E.
Chief Financial Officer
2026-01-27
11,566 shares
·
$499,307
RHODES MICHAEL GEORGE
Chief Executive Officer
2026-01-23
23,800 shares
·
$991,867
GIBBONS THOMAS P
Director
2026-01-09
1,049 shares
·
$47,509
BRIGHT GUNTHER
Director
2026-01-09
160 shares
·
$7,246
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
17 analysts
B of A Securities
2026-04-10
Buy
Buy
JP Morgan
2026-04-09
Overweight
Overweight
Evercore ISI Group
2026-04-06
Outperform
Outperform
Evercore ISI Group
2026-02-05
Outperform
Outperform
Truist Securities
2026-01-26
Buy
Buy
JP Morgan
2026-01-12
Overweight
Overweight
TD Cowen
2026-01-08
Buy
Buy
UBS
2026-01-08
Buy
Evercore ISI Group
2026-01-06
In-Line
Outperform
Barclays
2026-01-05
Equal-Weight
Equal-Weight
Past News Coverage
Recent headlines mentioning ALLY from our newsroom.
Newest → oldest
No matching news yet.