/ALLY
Ally Financial Inc.
ALLY • NYSEALLY • NYSE • Financial Services
$36.14-1.90%-0.70
$36.14-1.90%(-0.70)Financial Services
GoAI Score
Sign in to unlock
Valuation
50Fair Value
Sentiment
100Bullish
Risk
74Low Risk
Momentum
21Negative
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
52.0%▲10.9pp
Revenue after COGS
Operating
8.6%▲3.5pp
After operating expenses
Net
7.0%▲2.9pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
16.5
Price vs earnings
EV/EBITDA
10.5
Enterprise value
FCF Yield
-4.6%
Cash generation
Earnings Yield
6.1%
Inverse of P/E
Capital Efficiency
3
GoAI Quality ScoreWeak
ROEReturn on Equity
5.5%Fair
ROAReturn on Assets
0.4%Fair
ROICReturn on Invested Capital
2.3%Fair
Financial Health
Current RatioWeak
0.90
Short-term solvency (>1.5)
Net Debt / EBITDAHigh
4.79x
Debt repayment capacity (<3x)
Income QualityStrong
4.26
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $12.15B | $16.37B | $15.97B | $12.10B | $10.69B |
| Gross Profit | $6.32B | $6.73B | $7.10B | $7.84B | $8.54B |
| Gross Margin | 52.0% | 41.1% | 44.5% | 64.8% | 79.8% |
| Operating Income | $1.05B | $836.00M | $1.10B | $2.34B | $3.85B |
| Net Income | $852.00M | $668.00M | $957.00M | $1.71B | $3.06B |
| Net Margin | 7.0% | 4.1% | 6.0% | 14.2% | 28.6% |
| EPS | $2.39 | $1.82 | $2.80 | $5.06 | $8.30 |
Average Price Target
$51.40▲ 42.2% Upside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for Ally Financial Inc., the average price target is $51.40, with a high forecast of $57.00 and a low forecast of $42.00. The average price target represents a 42.2% increase from the current price of $36.14.
Highest
$57.00
Average
$51.40
Lowest
$42.00
Rating Distribution
Strong Buy
0
0%
Buy
26
68%
Hold
11
29%
Sell
1
3%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
Evercore ISI Group● Maintain
Outperform
2026-02-05Truist Securities● Maintain
Buy
2026-01-26JP Morgan● Maintain
Overweight
2026-01-12TD Cowen● Maintain
Buy
2026-01-08Evercore ISI Group▲ Upgrade
In Line→Outperform
2026-01-06Barclays● Maintain
Equal Weight
2026-01-05Truist Securities● Maintain
Buy
2025-12-22Wells Fargo▲ Upgrade
Equal Weight→Overweight
2025-12-17JP Morgan● Maintain
Overweight
2025-10-20Truist Securities● Maintain
Buy
2025-10-20Earnings History & Surprises
BEAT RATE
83%
Last 18 quarters
AVG SURPRISE
+15.5%
EPS vs Estimate
BEATS / MISSES
15/3
Last 18 quarters
LATEST EPS
$1.09
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
+7.9%
$1.09 vs $1.01
Q4 '25
+15.0%
$1.15 vs $1.00
Q3 '25
+21.9%
$0.99 vs $0.81
Q2 '25
+36.8%
$0.58 vs $0.42
Q1 '25
+36.4%
$0.78 vs $0.57
Q4 '24
+79.2%
$0.95 vs $0.53
Q3 '24
+51.6%
$0.97 vs $0.64
Q2 '24
+36.4%
$0.45 vs $0.33
Q1 '24
+2.3%
$0.45 vs $0.44
Q4 '23
+3.7%
$0.83 vs $0.80
Q3 '23
+4.3%
$0.96 vs $0.92
Q2 '23
-5.7%
$0.82 vs $0.87
No investor questions available.
Latest News
No news available