Ally Financial (ALLY) Stock Price, News & Analysis

Company Overview

Ally Financial Inc. is a leading digital financial services company headquartered in Detroit, Michigan. The company offers a comprehensive suite of banking, lending, and insurance products designed for retail and commercial customers. Through its online-only platform, Ally Bank provides checking and savings accounts, certificates of deposit, money market accounts, and home mortgages, emphasizing competitive rates and user-friendly mobile and web experiences.

In addition to its banking operations, Ally Financial is a major player in automotive financing and leasing. It partners with auto dealers across the United States and Canada to offer retail loan financing, lease programs and dealer inventory financing. Its insurance segment delivers warranty and protection plans for vehicle owners, enhancing its end-to-end support for the automotive lifecycle.

The company traces its roots to General Motors Acceptance Corporation (GMAC), which was founded in 1919 to provide vehicle financing for General Motors customers. It underwent a strategic transformation during the late 2000s and rebranded as Ally Financial in 2009, emerging as an independent publicly traded company in 2014. This evolution reflects the firm’s commitment to innovation and adaptation within the financial services industry.

Under the leadership of President and CEO Jeffrey J. Brown, Ally Financial continues to expand its digital footprint and refine its customer-centric offerings. With operations primarily in the United States and a presence in Canada, the company focuses on leveraging technology, data analytics and streamlined processes to deliver personalized financial solutions and drive long-term growth.

Key Stats

• Today's Range: $43.39 to $44.56
• 50-Day Range: $41.01 to $47.21
• 52-Week Range: $35.92 to $47.29
• Volume: 2.35 million shs
• Average Volume: 3.19 million shs
• Market Capitalization: $13.42 billion
• P/E Ratio: 10.40
• Dividend Yield: 2.72%
• Price Target: $53.86
• Consensus Rating: Moderate Buy

Ally Financial Stock Analysis - MarketRank™

Ally Financial scored higher than 100% of companies evaluated by MarketBeat, and ranked 6th out of 847 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: 4.2 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Ally Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.88, and is based on no strong buy ratings, 14 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

Ally Financial has a consensus price target of $53.86, representing about 22.1% upside from its current price of $44.11.

Amount of Analyst Coverage

Ally Financial has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 4.4 / 5
• Proj. Earnings Growth: 22.74%

Earnings Growth

Earnings for Ally Financial are expected to grow by 22.74% in the coming year, from $5.19 to $6.37 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Ally Financial is 10.40, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.96.

Price to Earnings Ratio vs. Sector

The P/E ratio of Ally Financial is 10.40, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 28.77.

Price to Earnings Growth Ratio

Ally Financial has a PEG Ratio of 0.27. 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 1.03. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.31% 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 4.99.

Change versus previous month

Short interest in Ally Financial has recently decreased by 4.99%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Ally Financial pays a meaningful dividend of 2.77%, 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 28.30%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Ally Financial will have a dividend payout ratio of 18.84% next year. This indicates that Ally Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 4.0 / 5
• News Sentiment: 1.41

News Sentiment

Ally Financial has a news sentiment score of 1.41. 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 higher news sentiment than the 0.80 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 13 news articles for Ally Financial this week, compared to 6 articles on an average week.

Search Interest

18 people have searched for ALLY on MarketBeat in the last 30 days. This is an increase of 800% compared to the previous 30 days.

MarketBeat Follows

Only 2 people have added Ally Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -67% compared to the previous 30 days.

Company Ownership

• Score: 1.4 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Ally Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $210,700.00 in company stock.

Percentage Held by Insiders

0.46% 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.

Company Calendar

• Record date for 5/15 Dividend: 5/01/2026
• Ex-Dividend for 5/15 Dividend: 5/01/2026
• Dividend Payable: 5/15/2026
• Last Earnings: 7/21/2026
• Record date for 8/14 Dividend: 7/31/2026
• Ex-Dividend for 8/14 Dividend: 7/31/2026
• Today: 8/03/2026
• Dividend Payable: 8/14/2026
• Next Earnings (Estimated): 10/16/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:ALLY
• CIK: 40729
• Web: www.ally.com
• Phone: (866) 710-4623
• Fax: N/A
• Employees: 10,300
• Year Founded: 1919

Price Target and Rating

• Average Price Target for Ally Financial: $53.86
• High Price Target: $58.00
• Low Price Target: $46.00
• Potential Upside/Downside: +22.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.88
• Research Coverage: 16 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.24
• Trailing P/E Ratio: 10.40
• Forward P/E Ratio: 8.50
• P/E Growth: 0.27
• Net Income: $852 million
• Net Margins: 16.75%
• Pretax Margin: 21.16%
• Return on Equity: 11.75%
• Return on Assets: 0.79%

Debt

• Debt-to-Equity Ratio: 1.26
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $7.91 billion
• Price / Sales: 1.70
• Cash Flow: $9.93 per share
• Price / Cash Flow: 4.44
• Book Value: $42.76 per share
• Price / Book: 1.03

Miscellaneous

• Outstanding Shares: 304,200,000
• Free Float: 302,801,000
• Market Cap: $13.42 billion
• Optionable: Optionable
• Beta: 1.10