# Ally Financial Inc. (ALLY) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Consumer Lending. Price $37.92, market value $11.5 billion.

## Valuation
- **P/E (trailing): 8.7×** (5-yr avg 11.8×, 3-yr avg 16.5×). Ally Financial Inc. trades at 8.7× trailing earnings, well below its own five-year average of 11.8×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.20**. A PEG of 0.20 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 2.2×**. Each dollar of revenue is priced at 2.2×.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Earnings yield: 11.5%**. The inverse of the P/E: 11.5% of the price is earned each year.

## Profitability
- **Net margin: 68.5%**. 68.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 5.5%**. 5.5% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.8%**. Each dollar of assets produces 0.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 3.8%** (3-yr 11.1%/yr, 5-yr 10.6%/yr). Revenue grew 3.8% over the last year, against 10.6% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 31.7%** (3-yr -22.2%/yr, 5-yr -3.8%/yr). Earnings per share rose 31.7%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $10.0 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.69%** ($1.20 per share, trailing). Ally Financial Inc. yields 3.69%, an income-level yield.
- **Payout ratio: 44%**. 44% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 10**. 10 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 9.6%/yr** (1-yr 0.0%). The dividend has grown 9.6% a year over five years.
- **Shareholder yield: 8.0%**. Dividends plus net buybacks return 8.0% of the market value a year.

## Analyst view
- **Analyst consensus: buy** (18 analysts). 18 analysts cover Ally Financial Inc.; the consensus is buy, with an average price target of $47.45 (+25% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 0.5%** (YTD -13.6%, 3-mo -12.4%). The shares are up 0.5% over twelve months including dividends.
- **From 52-week high: -19.8%** (5.6% above the low). Trading 20% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 49**. An RSI of 49 is neutral.
- **Beta (1 yr): 1.16** (volatility 28%). Beta of 1.16 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ALLY · Page: https://foliofundamentals.com/stocks/ally

Not investment advice.