Ally Financial Inc.
$38.31
+0.31 (+0.82%) · delayed · Nov 13, 2026
Five-year price
52w $35.92 to $47.29
- Market cap
- $12.0B
- Enterprise value
- $19.0B
- P/E
- 16.2×
- 16.6× on 3y avg EPS
- EV / EBIT
- —
- FCF yield
- 31.1%
- ROIC
- —
- Debt / equity
- 1.10
- Piotroski F
- 5/9
Value scorecard · FY2025
Does it pass the value tests?
Quality
75
- –ROIC > 12% (5y avg)5y avg ROIC n/a
- ○ROE > 15% (5y avg)5y avg ROE 9.7%
- –Stable operating marginsMargin volatility n/a (σ, 5y)
- ●Earnings convert to cashFCF / net income 418% (5y avg)
- ●Growing revenueRevenue CAGR 5y 10.6%
- ●Shrinking share countDiluted shares -17.0% over 5y
Value
75
- ○P/E below 15P/E 16.2
- –EV/EBIT below 12EV/EBIT n/a
- ●FCF yield above 6%FCF yield 31.1%
- ●Price below Graham NumberGraham Number $51.38
- ●P/B below 3P/B 0.8
Safety
0
- ○Debt / equity below 0.5D/E 1.10
- ○Debt payable in < 4 yrs of earningsNet debt $7.0B
- –Interest coverage > 8xCoverage n/ax
- –Current ratio > 1.5Current ratio n/a
- ○Piotroski F-score ≥ 6F-score 5/9
Graham Defensive
50
- ○Adequate size (revenue > $2B)Revenue $1.2B
- –Strong condition (current ratio ≥ 2)Current ratio n/a
- ●Earnings stability (no loss, 10y)10 years of data
- ●Uninterrupted dividendsDividends paid every year on record
- ○Earnings growth ≥ 33% (10y, 3y avgs)EPS growth -3%
- ○Moderate P/E (≤ 15 on 3y avg EPS)P/E (3y avg) 16.6
- ●P/E × P/B ≤ 22.5Product 12.8
Valuation lab
What do you have to believe?
At $38.31, the market is pricing in about −13.3% annual free-cash-flow growth for the next decade (9% discount rate, 2.5% terminal growth).
Starting cash flow
Net debt $7.0B · 313M shares · 5y revenue CAGR 10.6%
Intrinsic value
$334.64
Price
$38.31
Margin of safety
89%
What the price implies
The market is paying for −13.3% annual cash-flow growth for 10 years at a 9.0% discount rate.
Terminal value share
63% of the value sits beyond year 10.
Financial statements
A decade of the record.
USD millions · fiscal years · source: SEC 10-K XBRL
| Line item | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,437 | 5,765 | 689 | 727 | 753 | 852 | 908 | 968 | 1,198 | 1,244 |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — | — | — |
| Pre-tax income | 1,581 | 1,507 | 1,622 | 1,967 | 1,414 | 3,855 | 2,342 | 1,103 | 836 | 1,051 |
| Income tax | 470 | 581 | 359 | 246 | 328 | 790 | 627 | 144 | 167 | 199 |
| Net income | 1,067 | 929 | 1,263 | 1,715 | 1,085 | 3,060 | 1,714 | 957 | 668 | 852 |
| EPS (diluted) | 2.15 | 2.04 | 2.95 | 4.34 | 2.88 | 8.22 | 5.03 | 2.77 | 1.80 | 2.37 |
| Diluted shares | 482 | 455 | 428 | 395 | 377 | 365 | 319 | 305 | 310 | 313 |
Who owns it