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: $41.23 to $41.97
• 50-Day Range: $36.96 to $41.56
• 52-Week Range: $29.52 to $42.46
• Volume: 2.46 million shs
• Average Volume: 3.81 million shs
• Market Capitalization: $12.76 billion
• P/E Ratio: 26.92
• Dividend Yield: 2.90%
• Price Target: $43.67
• Consensus Rating: Moderate Buy

Ally Financial Stock Analysis - MarketRank™

Ally Financial scored higher than 96% of companies evaluated by MarketBeat, and ranked 75th out of 919 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: 2.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Ally Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.53, and is based on 9 buy ratings, 8 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Ally Financial is close to its current price, suggesting limited near-term upside or downside.

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: 4.4 / 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 26.92, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 278.40.

Price to Earnings Ratio vs. Sector

The P/E ratio of Ally Financial is 26.92, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.16.

Price to Earnings Growth Ratio

Ally Financial has a PEG Ratio of 0.32. 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 1.09. 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

3.71% 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 3.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Ally Financial has recently increased by 3.20%, indicating that investor sentiment is decreasing.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Ally Financial pays a meaningful dividend of 2.90%, 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 77.92%. 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

3.71% 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 3.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Ally Financial has recently increased by 3.20%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 3.4 / 5
• News Sentiment: 1.17

News Sentiment

Ally Financial has a news sentiment score of 1.17. 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 0.97 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 24 news articles for Ally Financial this week, compared to 15 articles on an average week.

Search Interest

Only 13 people have searched for ALLY on MarketBeat in the last 30 days. This is a decrease of -24% compared to the previous 30 days.

MarketBeat Follows

8 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: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Ally Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 0.56% 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 at the beginning of 2025. Since then, ALLY shares have increased by 15.1% and is now trading at $41.45.

How were Ally Financial's earnings last quarter?

Ally Financial Inc. (NYSE:ALLY) announced its quarterly earnings results on Friday, July, 18th. The financial services provider reported $0.99 EPS for the quarter, topping the consensus estimate of $0.78 by $0.21. The firm's quarterly revenue was up 3.0% compared to the same quarter last year.
Read the conference call transcript.

Who are Ally Financial's major shareholders?

Top institutional investors of Ally Financial include Vanguard Group Inc. (9.15%), State Street Corp (2.82%), Arrowstreet Capital Limited Partnership (1.75%) and London Co. of Virginia (1.57%). 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: 7/18/2025
• Record date for 8/15 Dividend: 8/01/2025
• Ex-Dividend for 8/15 Dividend: 8/01/2025
• Dividend Payable: 8/15/2025
• Today: 9/09/2025
• Next Earnings (Estimated): 10/17/2025
• 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: $43.67
• High Price Target: $59.00
• Low Price Target: $30.00
• Potential Upside/Downside: +5.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.53
• Research Coverage: 17 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.54
• Trailing P/E Ratio: 26.92
• Forward P/E Ratio: 11.61
• P/E Growth: 0.32
• Net Income: $668 million
• Net Margins: 7.64%
• Pretax Margin: 6.79%
• Return on Equity: 9.48%
• Return on Assets: 0.59%

Debt

• Debt-to-Equity Ratio: 1.30
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $8.18 billion
• Price / Sales: 1.56
• Cash Flow: $6.72 per share
• Price / Cash Flow: 6.17
• Book Value: $38.00 per share
• Price / Book: 1.09

Miscellaneous

• Outstanding Shares: 307,810,000
• Free Float: 306,084,000
• Market Cap: $12.76 billion
• Optionable: Optionable
• Beta: 1.13