ALLY
Financial Services · Credit Services
Performance
ALLY (ALLY) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
ALLY (ALLY) operates in the Credit Services space within the Financial Services sector. With a market cap of $14.0B, it qualifies as a mid-cap company. The company is growing revenue strongly while maintaining healthy profitability — a combination that investors typically reward with a premium valuation.
- Low P/E of 11.1× suggests the stock may be undervalued relative to earnings
- Forward P/E (7.1×) is lower than trailing P/E (11.1×) — analysts expect earnings to improve
- Revenue growth of 20% YoY shows solid business momentum
- Healthy profit margin of 18.2%
- Dividend yield of 2.64% provides consistent income on top of price appreciation
- Price is near its 52-week high — limited near-term upside, higher pullback risk
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
2.64%
5Y Avg Annual
$1.0800
Last Payment
$0.3000
Ex-Date
05/01/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest05/01/2026 | 05/15/2026 | $0.3000 | 2.62% |
02/02/2026 | 02/16/2026 | $0.3000 | 2.62% |
10/31/2025 | 11/14/2025 | $0.3000 | 2.62% |
08/01/2025 | 08/15/2025 | $0.3000 | 2.62% |
05/01/2025 | 05/15/2025 | $0.3000 | 2.62% |
01/31/2025 | 02/14/2025 | $0.3000 | 2.62% |
11/01/2024 | 11/15/2024 | $0.3000 | 2.62% |
08/01/2024 | 08/15/2024 | $0.3000 | 2.62% |
Magic Number
Shares needed to self-fund your next purchase
$45.73
Price
$0.3000
Last div. (quarterly)
153
shares
Own 153 ALLY shares ($6,996.69) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$6,996.69
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 16, 2026
30
days
EPS (TTM)
$4.12
P/E (TTM)
11.1
Fwd P/E
7.1
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $45.73
Graham Number
√(22.5 × EPS × Book Value)
$63.29
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$18.93
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
6/10
86% score
Pays dividends
10Y hist.10+ years of dividend history
Dividend consistency (5Y+)
10 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
9.4%Return on equity — measures how efficiently capital is used
Positive profit margin
18.2%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+19.7%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$158M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.64%Stock must distribute income to shareholders
Related Assets
Financial Services
About ALLY
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.
Sector
Financial Services
Industry
Credit Services
Location
Detroit, United States
Employees
10,300