Ally Financial Inc. (ALLY) Stock

Ally Financial Inc. (ALLY) is a Financials stock trading at $42.27 (as of 2026-08-20), with a market capitalization of $12.96B and a trailing P/E of 9.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Ally Financial Inc. provides digital financial products and services to consumer, commercial, and corporate customers, primarily in the United States and Canada. It operates through Automotive Finance, Insurance, Mortgage Finance, and Corporate Finance segments, including automotive and vehicle financing, related insurance and protection products, mortgage services, and corporate financing.

Understand Ally Financial Inc.: how it makes money

Ally Financial provides digital financial products and services, including automotive financing (loans, installment sales contracts, leases, and dealer floorplans), insurance, mortgage, and corporate finance, and it makes money primarily through net financing revenue and other revenue streams.

Ally's profit engine is net financing revenue, anchored by its Automotive Finance Operations, which generates the majority of its net financing revenue from financing products such as loans, installment sales contracts, leases, and dealer floorplans.

Business quality (Solid): Provided facts clearly identify the key operating drivers (net financing revenue and other revenue) and show an Automotive Finance net financing revenue figure, but they do not include segment revenue values for Insurance, Mortgage, and Corporate, so a complete segment revenue table cannot be built from the data given.

Valuation: At 11× earnings, ALLY trades 15% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Automotive Finance is a dominant operating driver within net financing revenue: Auto Finance - net financing revenue is 1.3B versus total revenues of 2.1B, indicating the profit model is closely tied to auto financing performance.
  • Strong operating profitability in the latest period: Operating margin is 19.0% for the period ended 2026-03-31, supporting that the mix of net financing revenue and other revenue is generating solid operating earnings.

Bear case

  • Concentration risk in the automotive financing engine: Because net financing revenue is anchored by Automotive Finance Operations, performance changes in auto financing could have an outsized impact on results.
  • Other revenue is a smaller but meaningful contributor: Adjusted other revenue is 0.57B, so if contributions from non-net-financing lines weaken, total operating results could be pressured (even if net financing holds).
Valuation — source: SEC EDGAR (first-party)
Price$42.27
Market Cap$12.96B
P/E Ratio9.4
EV / EBITDA7.3
Price / Book0.84
Price / Sales1.50
DCF Value (model)$29.75
DCF Upside vs Price-29.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$7.91B
Net Margin10.8%
Revenue Growth (YoY)9.8%
EPS Growth (YoY)13.3%
Valuation vs Sector & Industry
Stock P/E9.4
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-37.7%
vs Industry-27.1%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($1.23B)
Institutional Holders Tracked10
Congressional Trades (recent)9
Company
SectorFinancials
IndustryBanking
CEOMichael G. Rhodes
Employees10,700
CountryUS
IPO Date2014-01-28

Related Companies (Business model: Specialty Finance / Lending + Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • East West Bancorp, Inc. (EWBC)
  • Popular, Inc. (BPOP)
  • SouthState Corporation (SSB)
  • Wintrust Financial Corporation (WTFC)
  • Prosperity Bancshares, Inc. (PB)
  • Columbia Banking System, Inc. (COLB)
  • Western Alliance Bancorporation (WAL)
  • Commerce Bancshares, Inc. (CBSH)
ALLY earnings history · ALLY institutional & insider holders · ALLY KPIs & operating metrics · ALLY financials · ALLY investor presentations & press releases · ALLY SEC filings · ALLY peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.