US · ALLY
Ally Financial Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Detroit, MI 48226
- Website
- ally.com
Price · as of 2025-12-31
$43.41
Market cap 12.17B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $67.17 | +54.73% |
| Intrinsic Value(DCF) | $27.74 | -36.1% |
| Graham-Dodd Method(GD) | $39.97 | -7.92% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $11.86 | $11.30 | |||
| 2012 | $33.56 | $55.73 | |||
| 2013 | $19.96 | $26.56 | $1.57 | $8.05 | $2.95 |
| 2014 | $16.07 | $28.68 | $9.64 | $35.54 | $24.88 |
| 2015 | $13.95 | $94.73 | $10.05 | $0.00 | $28.21 |
| 2016 | $17.01 | $40.11 | $11.47 | $35.25 | $17.78 |
| 2017 | $22.54 | $28.89 | $15.22 | $33.37 | $17.43 |
| 2018 | $20.92 | $30.08 | $17.23 | $36.96 | $40.63 |
| 2019 | $20.02 | $24.61 | $25.99 | $47.05 | $81.35 |
| 2020 | $38.78 | $32.05 | $12.43 | $41.13 | $3.59 |
| 2021 | $35.92 | $31.17 | $50.08 | $71.19 | $67.00 |
| 2022 | $23.25 | $27.53 | $39.42 | $41.67 | $112.34 |
| 2023 | $35.16 | $29.05 | $38.92 | $35.06 | $122.05 |
| 2024 | $33.56 | $26.80 | $38.56 | $30.83 | $23.11 |
| 2025 | $39.75 | $67.17 | $19.82 | $39.97 | $0.00 |
AI valuation
Our deep-learning model estimates Ally Financial Inc.'s (ALLY) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $67.17
- Current price
- $43.41
- AI upside
- +54.73%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$27.74
-36.1% upside
Graham-Dodd
$39.97
-7.92% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ALLY | Ally Financial Inc. | $43.41 | 12.17B | +55% | -36% | -8% | — | 14.50 | 0.80 | 1.02 | 9.84 | 45.79 | 0.80 | 51.98% | 8.65% | 7.01% | 5.80% | 5.49% | 0.44% | 1.40 | 0.16 | 0.90 | 0.90 | 4.79 | 3167.00% | -2575.00% | -47453.00% | -32.38% | 0.00 | -25.75% | 3.96% | 57.40% | 4.44% | 22.92 | -6.02 | 1.98 | 0.03 |
| ATLC | Atlanticus Holdings Corpo… | $52.31 | 792.05M | +256% | +398% | -14% | +371% | 6.10 | 1.38 | 1.48 | 19.54 | 48.83 | 1.38 | 61.59% | 30.15% | 24.22% | 25.08% | 4.68% | 3.72% | 5.08 | 0.87 | 5.21 | 5.21 | 14.81 | 1250.00% | 2568.00% | 270.00% | 68.84% | 6.51 | 19.88% | 3.79% | 23.10% | 11.54% | 20.27 | 6.01 | 6.11 | 0.71 |
| CACC | Credit Acceptance Corpora… | $473.18 | 5.22B | +70% | +10% | -31% | +32% | 12.60 | 3.51 | 2.31 | 10.58 | 14.18 | 3.51 | 98.75% | 47.63% | 18.29% | 25.90% | 11.32% | 4.38% | 4.17 | 2.38 | 0.26 | 0.26 | 5.54 | 8888.00% | 857.00% | -731.00% | 19.71% | 0.48 | 14.41% | 0.00% | 0.00% | 0.00% | 10.13 | 10.62 | 4.83 | 0.98 |
| FCFS | FirstCash Holdings, Inc | $192.79 | 8.51B | -10% | -33% | -90% | -40% | — | 3.89 | 2.42 | 11.56 | — | 399.27 | 51.67% | 15.36% | 9.02% | 0.00% | 9.33% | 0.00% | 1.24 | 4.64 | 4.55 | 3.00 | 2.69 | 2949.00% | 804.00% | -55.00% | 5.29% | 1.44 | 10.54% | 0.80% | — | 2.11% | 20.55 | 24.63 | 3.16 | 3.57 |
| JSM | Navient Corporation SR NT… | $19.37 | 5.31B | +82% | +72% | -44% | -60% | -23.76 | 0.79 | 0.61 | 1623.40 | — | 0.97 | 95.21% | 81.66% | -2.57% | -3.17% | 7.45% | -0.16% | 2.11 | 0.98 | 0.41 | 0.41 | 989.67 | -16833.00% | -1840.00% | -392.00% | 23.20% | 0.09 | 1.80% | 3.31% | -78.70% | 2086.42% | 1.92 | 11.04 | 1.57 | 0.32 |
| NAVI | Navient Corporation | $8.79 | 857.08M | +4,311% | -61% | -29% | +35% | -10.67 | 0.36 | 0.26 | 17.97 | — | 0.43 | 86.96% | 77.14% | -2.48% | -3.17% | 3.72% | -0.16% | 19.05 | 0.96 | 0.41 | 0.41 | 17.62 | -16864.00% | -2374.00% | -392.00% | 51.68% | 0.09 | 0.91% | 7.38% | -78.70% | 529.07% | 17.85 | 100.81 | 13.77 | 0.30 |
| OMF | OneMain Holdings, Inc. | $55.02 | 6.48B | +290% | -54% | — | +100% | 8.44 | 1.94 | 1.06 | 21.72 | 15.43 | 4.02 | 47.63% | 16.04% | 12.54% | 23.76% | 3.30% | 2.94% | 6.67 | 0.79 | — | — | 16.91 | 5472.00% | 909.00% | 1597.00% | 47.35% | — | 13.21% | 7.55% | 63.70% | 9.88% | 27.94 | 8.94 | 4.48 | 0.73 |
| SEZL | Sezzle Inc. | $72.95 | 2.49B | +49% | +1,437% | -66% | +284% | 19.31 | 15.14 | 5.71 | 14.86 | 27.64 | 15.44 | 85.35% | 39.26% | 29.57% | 103.34% | 78.96% | 38.11% | 0.83 | 12.61 | 3.92 | 3.55 | 0.43 | 6986.00% | 6608.00% | 42835.00% | 8.11% | 2.34 | 113.87% | 0.00% | 0.00% | 2.52% | 14.97 | 12.70 | 5.88 | 10.06 |
| SLM | SLM Corporation | $18.74 | 3.71B | +111% | -4% | — | +133% | 5.27 | 1.60 | 1.26 | 5.79 | 18.12 | 1.64 | 53.11% | 31.92% | 23.95% | 32.31% | 18.20% | 2.49% | 2.39 | 0.88 | 8.08 | 11.91 | 1.84 | 2910.00% | 410.00% | -27472.00% | 14.65% | 1.15 | 14.06% | 17.82% | 94.00% | 27.21% | 5.81 | 10.01 | 1.85 | 0.67 |
| SYF | Synchrony Financial | $69.11 | 24.89B | -8% | -20% | +3% | -93% | 6.92 | 1.47 | 1.28 | 4.37 | 79.90 | 1.74 | 51.04% | 24.17% | 18.58% | 21.30% | 24.60% | 2.98% | 0.91 | 1.12 | 0.21 | 0.21 | 0.04 | 865.00% | -791.00% | 3.00% | 40.11% | 0.12 | 68.22% | 2.08% | 14.40% | 16.26% | 4.85 | 2.28 | 1.17 | 0.08 |
About Ally Financial Inc.
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.
- CEO
- Michael G. Rhodes
- Employees
- 10.7K
- Beta
- 1.16
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($27.74 ÷ $43.41) − 1 = -36.1% (DCF, example).