Ally Financial (ALLY) Stock Price, News & Analysis

Company Overview

Ally Financial Inc. is a leading digital financial services company in the United States, offering a comprehensive suite of products across consumer and commercial finance. The company’s core businesses include direct banking through Ally Bank, automotive financing and insurance through Ally Auto, mortgage lending, corporate finance, and online investing services via Ally Invest. Its digital-first model emphasizes intuitive online platforms, streamlined account management tools, and competitive deposit products designed to meet the needs of retail and institutional clients.

The company traces its roots back to 1919 as General Motors Acceptance Corporation (GMAC), originally formed to provide financing to automotive customers. In 2009, amid a broader restructuring of General Motors, GMAC underwent a transformation and adopted the Ally Financial brand in 2010. In 2014, the company completed its initial public offering, marking a key milestone in its transition from an automotive captive finance arm into a diversified, independent financial services franchise.

Ally Financial operates primarily in the United States, with select product offerings extending into Canada. Its branchless banking strategy allows customers nationwide to access high-yield savings, interest checking accounts, certificates of deposit, and money market accounts without physical branches. In the auto finance segment, Ally partners with dealers to offer retail financing, lease programs, and insurance products, while its corporate finance arm provides commercial lending, inventory financing, and structured capital solutions to automotive dealers.

Under the leadership of President and Chief Executive Officer Jeffrey J. Brown, Ally Financial continues to invest in technology and customer experience initiatives. The executive team comprises seasoned professionals with backgrounds in banking, fintech, and automotive finance, all focused on driving growth through digital innovation, operational efficiency, and a commitment to customer-centric service.

Key Stats

• Today's Range: $38.71 to $39.48
• 50-Day Range: $32.55 to $41.20
• 52-Week Range: $29.52 to $45.46
• Volume: 2.56 million shs
• Average Volume: 3.78 million shs
• Market Capitalization: $12.09 billion
• P/E Ratio: 28.93
• Dividend Yield: 3.05%
• Price Target: $42.67
• Consensus Rating: Hold

Ally Financial Stock Analysis - MarketRank™

Ally Financial scored higher than 96% of companies evaluated by MarketBeat, and ranked 67th out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.2 / 5
• Analyst Rating: Hold

Consensus Rating

Ally Financial has received a consensus rating of Hold. The company's average rating score is 2.47, and is based on 9 buy ratings, 7 hold ratings, and 1 sell rating.

Amount of Analyst Coverage

Ally Financial has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 53.22%

Earnings Growth

Earnings for Ally Financial are expected to grow by 53.22% in the coming year, from $3.57 to $5.47 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Ally Financial is 28.93, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 26.70.

Price to Earnings Ratio vs. Sector

The P/E ratio of Ally Financial is 28.93, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.10.

Price to Earnings Growth Ratio

Ally Financial has a PEG Ratio of 0.38. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

Ally Financial has a P/B Ratio of 1.04. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.16% of the float of Ally Financial has been sold short.

Short Interest Ratio / Days to Cover

Ally Financial has a short interest ratio ("days to cover") of 3.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Ally Financial has recently decreased by 6.09%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Ally Financial pays a meaningful dividend of 2.95%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Ally Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Ally Financial is 88.24%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, Ally Financial will have a dividend payout ratio of 21.94% next year. This indicates that Ally Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.6 / 5
• Environmental Score: -0.81

Percentage of Shares Shorted

4.16% of the float of Ally Financial has been sold short.

Short Interest Ratio / Days to Cover

Ally Financial has a short interest ratio ("days to cover") of 3.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Ally Financial has recently decreased by 6.09%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 0.73

News Sentiment

Ally Financial has a news sentiment score of 0.73. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.93 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 17 news articles for Ally Financial this week, compared to 15 articles on an average week.

Search Interest

11 people have searched for ALLY on MarketBeat in the last 30 days. This is an increase of 57% compared to the previous 30 days.

MarketBeat Follows

6 people have added Ally Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Balanced

Insider Buying vs. Insider Selling

In the past three months, Ally Financial insiders have sold just slightly more of their company's stock than they have bought. Specifically, they have bought $252,642.00 in company stock and sold $257,120.00 in company stock. It is common for insiders to sell company stock at intervals simply to diversify their holdings.

Percentage Held by Insiders

Only 0.67% of the stock of Ally Financial is held by insiders.

Percentage Held by Institutions

88.76% of the stock of Ally Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

ALLY Stock Analysis - Frequently Asked Questions

How have ALLY shares performed this year?

Ally Financial's stock was trading at $36.01 on January 1st, 2025. Since then, ALLY shares have increased by 9.3% and is now trading at $39.3450.

How were Ally Financial's earnings last quarter?

Ally Financial Inc. (NYSE:ALLY) issued its earnings results on Thursday, April, 17th. The financial services provider reported $0.58 earnings per share for the quarter, topping the consensus estimate of $0.43 by $0.15. The financial services provider had revenue of $1.54 billion for the quarter, compared to the consensus estimate of $2.04 billion. Ally Financial had a trailing twelve-month return on equity of 9.53% and a net margin of 6.96%.
Read the conference call transcript.

Who are Ally Financial's major shareholders?

Ally Financial's top institutional investors include Assenagon Asset Management S.A. (0.40%), Wedge Capital Management L L P NC (0.39%), 1834 Investment Advisors Co. (0.08%) and Public Employees Retirement System of Ohio (0.03%). Insiders that own company stock include Russell E Hutchinson, Stephanie N Richard, Marjorie Magner and Michael George Rhodes.
View institutional ownership trends.

How do I buy shares of Ally Financial?

Shares of ALLY stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Ally Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Ally Financial investors own include American Water Works (AWK), Humana (HUM), Waste Connections (WCN), The RMR Group (RMR), AU Optronics (AUOTY), DiamondRock Hospitality (DRH) and Voyager Therapeutics (VYGR).

Company Calendar

• Last Earnings: 4/17/2025
• Record date for 5/15 Dividend: 5/01/2025
• Ex-Dividend for 5/15 Dividend: 5/01/2025
• Dividend Payable: 5/15/2025
• Today: 7/16/2025
• Next Earnings (Estimated): 7/18/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - CONS LOANS
• Sub-Industry: Banking
• Current Symbol: NYSE:ALLY
• CIK: 40729
• Web: www.ally.com
• Phone: (866) 710-4623
• Fax: N/A
• Employees: 10,700
• Year Founded: 1919

Price Target and Rating

• Average Price Target for Ally Financial: $42.67
• High Price Target: $59.00
• Low Price Target: $30.00
• Potential Upside/Downside: +9.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.47
• Research Coverage: 17 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.36
• Trailing P/E Ratio: 28.72
• Forward P/E Ratio: 10.94
• P/E Growth: 0.38
• Net Income: $668 million
• Net Margins: 6.96%
• Pretax Margin: 4.81%
• Return on Equity: 9.53%
• Return on Assets: 0.59%

Debt

• Debt-to-Equity Ratio: 1.38
• Current Ratio: 0.90
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $8.18 billion
• Price / Sales: 1.47
• Cash Flow: $6.43 per share
• Price / Cash Flow: 6.07
• Book Value: $38.00 per share
• Price / Book: 1.03

Miscellaneous

• Outstanding Shares: 307,170,000
• Free Float: 305,455,000
• Market Cap: $12.00 billion
• Optionable: Optionable
• Beta: 1.15