Ally Financial Inc
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Price history
Chart
Interactive price chart (TradingView).
52-week range: 36.00 $ to 47.30 $ · Last price: 38.20 $ (As of: October 30, 2026)
Key figures
Key figures at a glance
Every figure we hold for this stock, grouped by topic. The question mark next to a label explains what the number means.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 10/30/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Comparison
Industry comparison
The stock alongside the largest companies in the same group. The median row is the middle value of the companies shown above — not of the whole industry.
Industry: Credit Services
| Company | Market cap ($B) | P/E | EV/EBITDA | Gross Margin % | EBIT Margin % | Sales Growth (Year) % | Perf. 1Y % |
|---|---|---|---|---|---|---|---|
| Ally Financial Inc ALLY | 11.8 | 9.1 | 0.0 | 100.0 | 21.0 | -25.8 | 2.0 |
| Visa Inc. Class A V | 782.1 | 37.0 | 25.6 | 97.7 | 67.4 | 11.3 | 20.8 |
| Mastercard Inc MA | 564.7 | 38.1 | 25.6 | 100.0 | 60.8 | 16.4 | 16.0 |
| American Express Company AXP | 218.5 | 19.6 | 0.0 | 62.0 | 21.3 | 8.4 | -10.1 |
| Capital One Financial Corporation COF | 126.2 | 61.5 | 0.0 | 100.0 | 28.6 | 28.4 | -4.7 |
| PayPal Holdings Inc PYPL | 49.2 | 10.8 | 7.0 | 40.5 | 17.0 | 4.3 | -15.1 |
| Synchrony Financial SYF | 25.6 | 7.7 | 0.0 | 100.0 | 48.0 | -7.9 | 4.1 |
| Affirm Holdings Inc AFRM | 24.7 | 67.0 | 24.9 | 48.9 | 8.5 | 38.8 | 6.6 |
| SoFi Technologies Inc. SOFI | 21.2 | 35.4 | 0.0 | 83.7 | 18.3 | 82.6 | -42.3 |
| Median of companies shown | 49.2 | 35.4 | 0.0 | 97.7 | 21.3 | 11.3 | 2.0 |
Based on the most recently reported figures. Only stocks from the same trading venue are lined up, so the market caps are counted in one currency. Compare in a chart →
Fiscal years
Annual Figures
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
Revenue, operating income and net income per fiscal year $M
Revenue Operating income Net income
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 9,817 | 1,581 | 1,067 | 2.21 | 4,567 | 13,317 | 163,728 |
| 2017 | 9,852 | 1,507 | 929 | 2.04 | 4,079 | 13,494 | 167,148 |
| 2018 | 10,421 | 1,622 | 1,263 | 2.95 | 4,150 | 13,268 | 178,869 |
| 2019 | 11,558 | 1,967 | 1,715 | 4.34 | 4,050 | 14,416 | 180,644 |
| 2020 | 7,638 | 4,656 | 1,085 | 2.88 | 3,739 | 14,703 | 182,165 |
| 2021 | 8,912 | 6,455 | 3,060 | 8.38 | 4,042 | 17,050 | 182,350 |
| 2022 | 9,342 | 5,611 | 1,714 | 5.38 | 6,247 | 12,859 | 191,826 |
| 2023 | 15,967 | 1,103 | 957 | 3.14 | 4,557 | 13,703 | 196,329 |
| 2024 | 16,369 | 836 | 668 | 2.15 | 4,528 | 13,903 | 191,836 |
| 2025 | 12,154 | 1,051 | 852 | 2.71 | 3,628 | 15,498 | 196,002 |
Quarters
Quarterly Figures
Each bar is one quarter, the last one is the most recent. Use the switch to step through the individual figures.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.26 | 136.40 | 4,039 | -3.80 | 2.70 | 620 | -297 |
| 2025: Q1 | -0.82 | -321.60 | 3,430 | -16.70 | -6.60 | 940 | 121 |
| 2025: Q2 | 1.04 | 67.70 | 3,876 | -3.80 | 9.10 | 947 | -134 |
| 2025: Q3 | 1.18 | 114.50 | 3,948 | -5.50 | 10.10 | 1,202 | -282 |
| 2025: Q4 | 0.96 | 269.20 | 3,941 | -2.40 | 8.30 | 652 | -239 |
| 2026: Q1 | 0.93 | – | 3,887 | 13.30 | 8.20 | 1,371 | 666 |
| 2026: Q2 | 1.18 | 13.50 | 2,286 | -41.00 | 17.90 | 1,353 | 1,353 |
What Do These Terms Mean?
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Screening
Appears in These Scanners
This stock currently matches 8 of our scanner strategies — each hit links to the scanner.
Growth
Quality & Balance Sheet
Dividends
Momentum & Trend
Risk & Weakness
Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. Scanners marked in red are red-flag signals (risk/short scanners) — appearing there is not a seal of approval. View all scanners
Outlook
Analysts & Price Target
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Distribution of Recommendations
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 5.01 | 4.83 – 5.15 | 9,054 | 31.5% | 15 |
| 12/31/2027 | 6.03 | 5.38 – 6.40 | 9,550 | 20.4% | 16 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Valuation
What is priced in?
Free cash flow over the past twelve months is negative, which rules out a serious reverse calculation. Any growth rate only makes a negative cash flow more negative; no present value comes out of it. What the price reflects here is therefore not a stream of cash flows, but the expectation that there will be one at all.
A simplified model calculation — not a forecast and not a recommendation.
AI classification
AI Rating
Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available.
Growth
Growth Score
Ten checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 9.2%
- More than 10% revenue growth is expected for the coming year 6.6%
- Share count grows by less than 3% a year -0.5%
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") -31.1%
- Gross margin at 40% or higher and without meaningful erosion 52.0%
- Goodwill from acquisitions does not grow faster than revenue 0.1%
- Net debt below twice EBITDA 4.8 x EBITDA
- Operating cash flow covers the profits of the last three years 10,236 m
- Return on capital at 15% or higher, or up versus two years ago 3.2%
- Insiders hold at least 10% or are net buyers 10.2%
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Quality check
AAQS
3/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 2.4%
- Exp. sales growth 3Y > 5% -11.4%
- EBIT growth 10Y > 5% -4.4%
- Exp. EBIT growth 3Y > 5% 49.2%
- Net debt < 4x EBIT 11.2x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 87.0%
- Return on equity > 15% 5.6%
- ROCE > 15% 3.2%
- Expected return > 10% 41.0%
View stocks with the full AAQS score · Read the methodology at AlleAktien
Source: fundamental data
Insiders
Insider Transactions
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| Oct 21, 2026 | Patterson Kathleen L. | Chief HR & Corp Citizenship | Sell | 12,831 | 38.65 | 495,884 |
| Oct 20, 2026 | Hall William Cadik Jr. | President - Corporate Finance | Other | 10,614 | 37.97 | 403,014 |
| Oct 20, 2026 | Patterson Kathleen L. | Chief HR & Corp Citizenship | Other | 31,047 | 37.97 | 1,178,855 |
| Oct 20, 2026 | Richard Stephanie N | Chief Risk Officer | Other | 9,032 | 37.97 | 342,945 |
| Oct 20, 2026 | Hutchinson Russell E. | Chief Financial Officer | Other | 21,074 | 37.97 | 800,180 |
| Oct 20, 2026 | Timmerman Douglas R. | President, DFS | Other | 98,329 | 37.97 | 3,733,552 |
| Sep 30, 2026 | Reilly David | Director | Other | 864 | 37.62 | 32,504 |
| Sep 30, 2026 | Bright Gunther | Director | Other | 366 | 37.62 | 13,769 |
| Sep 30, 2026 | Gibbons Thomas P | Director | Other | 1,263 | 37.62 | 47,514 |
| Aug 4, 2026 | Richard Stephanie N | Chief Risk Officer | Sell | 5,000 | 44.23 | 221,168 |
The company
About the Company
Ally Financial Inc. ist ein digitales Finanzdienstleistungsunternehmen, das diverse digitale Finanzprodukte und -dienste in den USA und Kanada anbietet.
- Employees
- 10,300
- Headquarters
- Detroit, MI
- Address
- Ally Detroit Center, 48226 Detroit, United States
- Phone
- 866 710 4623
- Website
- ally.com
- IPO Date
- 01/28/2014
- ISIN
- US02005N1000
- Stock Split
- 310:1 on 04/10/2014
Management
| Name | Title | Birth Year |
|---|---|---|
| Michael G. Rhodes | CEO & Director | 1966 |
| Russell E . Hutchinson | Chief Financial Officer | 1975 |
| Douglas R. Timmerman | President of Dealer Financial Services | 1963 |
| William C. Hall Jr. | President of Corporate Finance | 1960 |
| Stephanie N. Richard | Chief Risk Officer | 1973 |
| Austin T. McGrath | VP, Chief Accounting Officer & Corporate Controller | 1983 |
| Mark Mathewson | Chief Information & Data Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Filings
Company Filings (8-K)
An 8-K is the filing a US company must use to disclose material events immediately — takeovers, changes at the top, major contracts or payment troubles, for instance. The links open the original document at the US Securities and Exchange Commission (SEC).
- 10/20/2026 Ally Financial Inc. (ALLY): Results of Operations and Financial Condition; Financial Statements and Exhibits SEC ↗
- 10/07/2026 Ally Financial Inc. (ALLY): Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year; Financial Statements and Exhibits SEC ↗
- 09/16/2026 Ally Financial Inc. (ALLY): Other Events; Financial Statements and Exhibits SEC ↗
- 07/21/2026 Ally Financial Inc. (ALLY): Results of Operations and Financial Condition; Financial Statements and Exhibits SEC ↗
Data as of: October 30, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.