Ally Financial Inc. ALLY
Composite 57/100; the shares have moved about 29% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Growth ranks 42/100 — a slight mark against it.
Income ranks 75/100 — a strong point in its favour. Valuation ranks 74/100 — a moderate point in its favour. Quality ranks 59/100 — a slight point in its favour.
Growth ranks 42/100 — a slight mark against it. Balance-sheet strength ranks 44/100 — a slight mark against it.
What the company does Ally Financial is a digital financial-services company offering automotive financing (retail contracts, leases, dealer floorplan lines), insurance products (VSCs, GAP, commercial coverage), and commercial lending to middle-market firms. Its model emphasizes digital distribution and dealer partnerships across the U.S. and Canada.
Key financials Ally reports ROE 9.7%, ROA 0.8%, net margin 18.4%, and revenue/EPS growth of 11.1%/13.5%. Gross margin is 100.0% (reflecting pass-through revenue), with operating margin at 25.3%. Dividend yield is 2.7% with a 28.2% payout ratio.
Stock health Momentum shows 3m -1.75%, 6m 2.25%, 12m 16.62%, and the stock is -8.40% below its 52-week high; RSI(14) is 43.10. Sideravia scores Valuation 92.0 (top percentile) and Income 83.3, but Strength is low at 39.6.
Price vs fair value The stock trades at a discount of 81.20% to our fair-value estimate of 78.50 and a discount of 24.37% to the 12-month target of 53.88. - Discount reflects below-average Sideravia Strength (39.6) and modest momentum (RSI 43.10). - Analysts highlight valuation attractiveness (PEG 0.29, P/E 8.28 fwd) despite lower profitability metrics. - Recent dividend coverage analysis notes a sustainable payout (GuruFocus.com). - Comparable credit names (e.g., Enova, OneMain) show firm SMB credit demand, pressuring relative multiples.
Looking forward Forward P/E of 8.28 and PEG of 0.29 suggest valuation support, but ROE and ROA remain below peer averages. Commercial lending growth and digital auto finance trends are key catalysts to watch.
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Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.