Valuation
Is the price right?Insufficient data
Insufficient data: 1 of 2 inputs reported (at least 2 needed). We leave it blank rather than fill the gap with a made-up middle value.
Bringing the fundamentals into focus…
ALLY Financial Services
Ally Financial Inc.
$37.92-1.79%
Price as of close on Nov 3, 2026 · Financials updated Nov 3, 2026
Basics
- Sector
- Financial Services
- Industry
- Credit Services
- Country
- United States
- Market cap
- 11.5B USD
- Full-time employees
- 10,300
Growth
Is it growing?89/100
Strong
3/3 inputs reported · High confidence
Since last quarter: ▲ Stronger
- 12-month revenue up 2.4%
Why
Compare with peers Stronger than most peers on:
- ▲ EPS growth
Behind the score
Revenue and earnings-per-share growth over one year, and revenue growth over three years.
Earnings per share growth239.8%
SEC filings · 12 months to Jun 2026Outlier capped at sector 5th/95th percentile33% base weight · Z-score 8.06Sector median: 0.0999 · MAD: 0.27733-year revenue growth1.1%
SEC filings · 3 years to Jun 2026Reported value33% base weight · Z-score -1.03Sector median: 0.0999 · MAD: 0.0858Revenue growth11.5%
SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 0.28Sector median: 0.0742 · MAD: 0.1477Profitability
Does it earn well?29/100
Weak
2/3 inputs reported · Partial data
Since last quarter: No major change
Why
Compare with peers Weaker than most peers on:
- ▼ ROA
Behind the score
Return on invested capital, operating margin, and return on assets.
Operating marginUnavailable
Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 0.2353 · MAD: 0.1462Return on assets0.7%
SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.79Sector median: 0.0256 · MAD: 0.0233Return on invested capital5.7%
Yahoo Finance fallback · SEC operating income or invested capital unavailable · trailing 12 monthsReported value33% base weight · Z-score -0.12Sector median: 0.0630 · MAD: 0.0518Other data (not scored)
Gross marginUnavailable
Missing · left out of the scoreInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122Return on equity9.4%
SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702Risk
Debt, liquidity, price swingsHigher
Higher relative risk
2/3 inputs reported · Partial data
Since last quarter: No major change
Why it changed since the Oct 27, 2026 close: Safety percentile 16 → 14
- Peer companies moved-2
Why
Compare with peers Weaker than most peers on:
- ▼ Beta
- ▼ Debt / equity
Behind the score
Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.
Beta1.15
Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -1.45Sector median: 0.7010 · MAD: 0.3115Current ratioUnavailable
Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 2.0250 · MAD: 1.2470Debt / equity1.48×
SEC filings · latest balance sheetReported value33% base weight · Z-score -1.67Sector median: 0.5734 · MAD: 0.5454Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.
Questions investors ask about Ally Financial
- Is Ally Financial getting weaker?
- Its latest SEC filing (Jul 23, 2026) showed no major changes. Its overall score is 44/100, down 1 since Oct 28, 2026.
- How is Ally Financial valued vs its peers?
- Insufficient data: 1 of 2 inputs reported (at least 2 needed).
- Is Ally Financial growing?
- Yes, faster than most of its peers. Growth scores 89/100 against 432 financial services peers. Earnings per share growth 239.8% vs a peer median of 10.0% (stronger than 96% of peers).Earnings per share growth 239.8% vs peers 10.0% (stronger than 96% of peers). 3-year revenue growth 1.1% vs a peer median of 10.0% (weaker than 77% of peers).3-year revenue growth 1.1% vs peers 10.0% (weaker than 77% of peers).
- How profitable is Ally Financial?
- Less profitable than most of its peers. Profitability scores 29/100 against 432 financial services peers. Return on assets 0.7% vs a peer median of 2.6% (weaker than 76% of peers).Return on assets 0.7% vs peers 2.6% (weaker than 76% of peers).
- How risky is Ally Financial?
- Higher risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Beta 1.15 vs a peer median of 0.70 (weaker than 78% of peers).Beta 1.15 vs peers 0.70 (weaker than 78% of peers). A relative measure, not a bankruptcy probability.
Latest filing: what changed
Quarter ended Jun 30, 2026 · filed Jul 23, 2026 · compared with the quarter ended Mar 31, 2026No major changes
| Previous quarter | Latest quarter | Change | |
|---|---|---|---|
| Revenue (12 months) | 8.5B USD | 8.7B USD | +2.4% |
| Net income (12 months) | 1.4B USD | 1.5B USD | +4.2% |
| Debt | 21.5B USD | 23.0B USD | +7.0% |
| Cash | 9.5B USD | 7.8B USD | −17.6% |
| Shares outstanding | 306.5M | 304.2M | −0.8% |
From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.
Industry valuation context
Sector: Financial Services · 98 companiesValuations in Financial Services are above their usual range since 2016.
- 67% of months since 2016 were valued lower than now.
- 32% of companies are in the most expensive fifth of their own price-to-sales history.
- Over 24 months, company values +7% and earnings +21% (medians): prices and earnings moved broadly together.
- Median price-to-sales is +30% vs the whole market, against a usual +47%.
Shown for Financial Services: too few Credit Services companies have a long enough history of their own.
Financials
Fiscal years from SEC annual filings · change vs the prior year| Key ratios | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | Change |
|---|---|---|---|---|---|---|
| Net margin | 37.3% | 20.3% | 11.6% | 8.2% | 10.8% | ▲ 2.6 pts |
| Return on assets (ROA) | 1.7% | 0.9% | 0.5% | 0.3% | 0.4% | ▲ 0.1 pts |
| Return on equity (ROE) | 17.9% | 13.3% | 7.0% | 4.8% | 5.5% | ▲ 0.7 pts |
| Debt to equity | 1.00× | 1.57× | 1.52× | 1.38× | 1.40× | ▲ 2.1% |
ALLY price history
Price history is added with the daily price update and will appear after the next one.