Ally Financial Inc. (ALLY) stock
ALLYNYSEState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 2, 2026Score 14/3024% below fair value
$38.00−0.27 (-0.71%)
Close on Nov 12, 2026Market cap $11.56BP/E 8.7Yield 3.16%
Ally Financial statistics
89 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 20, 2027 (estimated, before the open)
- Last ex-dividend date
- Jul 31, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 0.78
- 1.52
- P/OCF Ratio
- 2.33
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 3.25
- 2.95
Share statisticsIndustry
- Shares Change (YoY)
- 0.01%
- 0.35%
- Shares Change (QoQ)
- -1.32%
- 0.00%
- Float
- 302M
- 17M
- Shares Held by Insiders
- 0.74%
- 6.05%
- Shares Held by Institutions
- 95.9%
- 61.3%
Short sellingIndustry
- Short Interest
- 12M
- –
- Short Interest Change
- -0.87%
- -4.13%
- Short % of Float
- 4.09%
- 3.58%
- Short % of Shares Outstanding
- 4.06%
- 3.18%
- Days to Cover
- 2.57
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $47.29
- –
- 52-Week Low
- $35.92
- –
- 20-Day Moving Average
- $38.49
- –
- 50-Day Moving Average
- $39.04
- –
- 200-Day Moving Average
- $41.72
- –
- Average True Range (14)
- $1.07
- –
- Price Change (1 Week)
- -2.14%
- 0.51%
- Price Change (1 Month)
- 3.43%
- 4.83%
- Price Change (3 Months)
- -15.4%
- -3.58%
- Price Change (6 Months)
- -10.3%
- 10.8%
- Price Change (YTD)
- -16.1%
- 19.6%
- Price Change (1 Year)
- -3.72%
- 25.4%
- Price Change (3 Years)
- 49.3%
- 76.7%
- Price Change (5 Years)
- -24.9%
- 26.5%
- Price Change (10 Years)
- 107.0%
- 67.0%
- Average Volume (10 Days)
- 4M
- –
- Average Volume (20 Days)
- 4M
- –
- Average Volume (90 Days)
- 4M
- –
- Relative Volume
- 0.83
- 0.67
- Relative Strength Index (14)
- 46.1
- 52.6
- Volatility (1 Year)
- 28.6%
- 24.4%
- Beta (5 Years)
- 1.33
- 0.63
MarginsIndustry
- Pretax Margin
- 21.4%
- 36.9%
- EBITDA Margin
- 38.4%
- 32.4%
Returns on capitalIndustry
- Return on Equity (ROE)
- 9.90%
- 10.8%
- Return on Assets (ROA)
- 0.75%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 1.67
- 0.21
- Debt / EBITDA
- 7.37
- 3.82
- Net Debt / EBITDA
- 5.06
- 1.91
GrowthIndustry
- Revenue Growth (YoY)
- 13.1%
- 11.8%
- Net Income Growth (YoY)
- 135.2%
- 22.7%
- EPS Growth (YoY)
- 162.7%
- 21.6%
- Revenue Growth (3Y CAGR)
- -2.08%
- 5.82%
- Revenue Growth (5Y CAGR)
- 3.43%
- 6.17%
- EPS Growth (3Y CAGR)
- -22.2%
- 1.31%
- EPS Growth (5Y CAGR)
- -3.82%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $826.45K
- $359.04K
- Profits Per Employee
- $139.16K
- $110.51K
- Employee Count
- 10,700
- 492
- WACC
- 7.35%
- 7.91%
Income statement (TTM)Industry
- Pretax Income
- $1.89B
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- -$17.19B
- $166.15M
- Net Cash Per Share
- -$56.51
- $8.19
- Equity (Book Value)
- $14.97B
- $570.13M
- Book Value Per Share
- $49.21
- $28.22
- Tangible Book Value
- $14.78B
- $478.27M
Cash flow (TTM)Industry
Dividends and yieldsIndustry
- Earnings Yield
- 12.9%
- 8.32%
- Dividend Yield
- 3.16%
- 2.44%
- Buyback Yield
- 4.29%
- 1.80%
- Shareholder Yield
- 7.45%
- 3.22%
- Dividend Per Share
- $1.20
- $0.92
- Dividend Growth (YoY)
- 0.00%
- 4.26%
- Years of Dividend Growth
- 0
- 2
- Payout Ratio
- 25.5%
- 29.0%
Taxes and interestIndustry
- Income Tax
- $401.00M
- $16.14M
- Effective Tax Rate
- 21.2%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $69.48
- $45.31
- Graham Upside
- 82.8%
- 18.8%
- Altman Z-Score
- 0.09
- 0.22
- Piotroski F-Score
- 4
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | ALLY | S&P 500 | Difference | ALLY per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +0.2% | -2.7% | +2.9 pts | ||
| 3 months | -14.1% | -1.7% | −12.4 pts | ||
| Year to date | -14.3% | +11.9% | −26.2 pts | ||
| 1 year | -3.7% | +12.0% | −15.7 pts | ||
| 3 years | +61.9% | +78.2% | −16.3 pts | +17.4% | +21.2% |
| 5 years | -11.7% | +73.2% | −84.9 pts | -2.5% | +11.6% |
| 10 years | +172.2% | +309.6% | −137.4 pts | +10.5% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
12M ALLY shares were sold short on Oct 30, 2026, down 0.9% from the previous report, or 4.09% of the shares available to trade. At recent volumes it would take 2.6 days to buy them back. Over the last 20 sessions, 54.3% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 12,335,719 | -0.9% | 4,803,754 | 2.6 |
| Oct 15, 2026 | 12,444,510 | -20.0% | 4,229,334 | 2.9 |
| Sep 30, 2026 | 15,562,959 | +4.1% | 3,940,017 | 4.0 |
| Sep 15, 2026 | 14,956,175 | +7.6% | 3,238,337 | 4.6 |
| Aug 31, 2026 | 13,895,942 | +7.5% | 2,984,807 | 4.7 |
| Aug 14, 2026 | 12,931,332 | -1.8% | 2,687,843 | 4.8 |
| Jul 31, 2026 | 13,172,041 | +0.2% | 3,643,251 | 3.6 |
| Jul 15, 2026 | 13,148,821 | -5.0% | 2,637,201 | 5.0 |
| Jun 30, 2026 | 13,840,129 | +0.3% | 3,194,269 | 4.3 |
| Jun 15, 2026 | 13,793,167 | +13.1% | 3,528,087 | 3.9 |
| May 29, 2026 | 12,193,800 | +3.5% | 3,247,289 | 3.8 |
| May 15, 2026 | 11,784,093 | +15.0% | 3,000,691 | 3.9 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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