Ally Financial (ALLY) Stock Analysis

November 11, 2026

This is a peer-relative look at Ally Financial (ALLY): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Financial Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Ally Financial (ALLY)
Profile Item	ALLY
Name	Ally Financial Inc.
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Financial Services
GICS Industry	Consumer Finance
GICS Sub-Industry	Consumer Finance
Market Capitalization	11.45 billion USD
Currency	USD
Exchange	NYSE
Listing Date	January 28, 2014
Security Type	Common Stock

Price Performance

Cumulative Growth

ALLY

GSPC

Ally Financial (ALLY) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Ally Financial (ALLY) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Ally Financial (ALLY) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Ally Financial (ALLY) metric values compared with Financial Services industry-group medians
Metric	Current stock: ALLY	Industry group median
Total Return (1Y)	1.76%	1.90%
Total Return (3Y, Annualized)	18.37%	12.71%
Total Return (5Y, Annualized)	-1.28%	2.81%

Risk Profile

Drawdown History

ALLY

GSPC

Ally Financial (ALLY) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Ally Financial (ALLY) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Ally Financial (ALLY) metric values compared with Financial Services industry-group medians
Metric	Current stock: ALLY	Industry group median
Volatility (1Y, Annualized)	28.62%	36.24%
Beta (5Y)	1.15	1.04
Max Drawdown (5Y)	-55.89%	-48.56%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. ALLY is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Ally Financial (ALLY) metric values compared with Financial Services industry-group medians
Metric	Current stock: ALLY	Industry group median
Sharpe Ratio (1Y)	-0.09	-0.09
Sortino Ratio (1Y)	-0.13	-0.13

Profitability

ROE (TTM)

Ally Financial (ALLY) posts ROE of 9.90%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

ALLY

Financial Services industry group

9.90%

Group distribution

Max: 44.78%
Q3: 21.85%
Median: 12.91%
ALLY: 9.90%
Q1: 4.48%
Min: -18.71%

Largest peers

MA: 231.37%
V: 63.51%
MS: 18.04%
GS: 17.71%
BRK.A: 12.12%
BRK.B: 12.12%
ALLY: 9.90%

Where Ally Financial (ALLY) stands on ROE within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Ally Financial (ALLY) keeps 18.62% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

ALLY

Financial Services industry group

18.62%

Group distribution

Max: 62.84%
Q3: 28.05%
ALLY: 18.62%
Median: 15.36%
Q1: 4.82%
Min: -28.52%

Largest peers

V: 51.20%
MA: 46.73%
GS: 31.21%
MS: 25.63%
BRK.A: 22.30%
BRK.B: 22.30%
ALLY: 18.62%

Where Ally Financial (ALLY) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Ally Financial (ALLY) turns 27.31% of revenue into operating profit, roughly in line with the peer group’s normal operating margin range. Its core cost structure looks typical for the industry.

ALLY

Financial Services industry group

27.31%

Group distribution

Max: 107.33%
Q3: 55.90%
Median: 30.09%
ALLY: 27.31%
Q1: 14.60%
Min: -44.34%

Largest peers

V: 63.73%
MA: 60.53%
MS: 39.00%
GS: 38.37%
BRK.A: 32.56%
BRK.B: 32.56%
ALLY: 27.31%

Where Ally Financial (ALLY) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Ally Financial (ALLY) metric values compared with Financial Services industry-group medians
Metric	Current stock: ALLY	Industry group median
ROE (TTM)	9.90%	12.91%
ROA (TTM)	0.75%	3.60%
Net Margin (TTM)	18.62%	15.36%
Operating Margin (TTM)	27.31%	30.09%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Ally Financial (ALLY) grew revenue -1.43%, in the lower peer quartile. The top line is expanding more slowly than at most peers, which can reflect softer demand, lost share, or weaker pricing.

Ally Financial (ALLY): Revenue Growth across different time periods, set against Financial Services industry-group medians.

EPS Growth

Ally Financial (ALLY) grew earnings per share 31.67%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

Ally Financial (ALLY): EPS Growth across different time periods, set against Financial Services industry-group medians.

Growth Metrics

Ally Financial (ALLY) metric values compared with Financial Services industry-group medians
Metric	Current stock: ALLY	Industry group median
Revenue Growth (YoY)	-1.43%	9.46%
Revenue Growth (3Y CAGR)	-1.73%	10.90%
EPS Growth (YoY)	31.67%	7.46%
EPS Growth (3Y CAGR)	-22.19%	13.04%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Ally Financial (ALLY) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Ally Financial (ALLY) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Ally Financial (ALLY) metric values compared with Financial Services industry-group medians
Metric	Current stock: ALLY	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Ally Financial (ALLY) has dividend yield of 3.09%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

ALLY

Financial Services industry group

3.09%

Group distribution

Max: 9.77%
Q3: 3.92%
ALLY: 3.09%
Median: 1.09%
Q1: 0.00%
Min: 0.00%

Largest peers

ALLY: 3.09%
MS: 2.40%
GS: 2.07%
V: 0.66%
MA: 0.53%
BRK.A: 0.00%
BRK.B: 0.00%

Where Ally Financial (ALLY) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Ally Financial (ALLY) has payout ratio of 27.46%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

ALLY

Financial Services industry group

27.46%

Group distribution

Max: 241.07%
Q3: 97.36%
ALLY: 27.46%
Median: 25.77%
Q1: 0.00%
Min: 0.00%

Largest peers

MS: 32.91%
ALLY: 27.46%
GS: 25.88%
V: 21.75%
MA: 17.63%
BRK.A: 0.00%
BRK.B: 0.00%

Where Ally Financial (ALLY) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Ally Financial (ALLY) metric values compared with Financial Services industry-group medians
Metric	Current stock: ALLY	Industry group median
Dividend Yield (TTM)	3.09%	1.09%
Dividend Payout Ratio (TTM)	27.46%	25.77%

Valuation

P/E Ratio (TTM)

Ally Financial (ALLY) trades at P/E ratio of 8.73, in the cheaper earnings-multiple quartile for its industry. Investors are paying less for each dollar of TTM earnings than they usually pay for comparable businesses.

ALLY

Financial Services industry group

8.73

Group distribution

Max: 45.85
Q3: 24.64
Median: 15.37
Q1: 9.68
ALLY: 8.73
Min: 0.16

Largest peers

V: 34.31
MA: 34.15
MS: 14.39
BRK.A: 14.36
BRK.B: 14.36
GS: 12.45
ALLY: 8.73

Where Ally Financial (ALLY) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Ally Financial (ALLY) trades at 1.43 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

ALLY

Financial Services industry group

1.43

Group distribution

Max: 9.23
Q3: 4.57
Median: 2.72
ALLY: 1.43
Q1: 1.28
Min: -0.55

Largest peers

V: 17.18
MA: 15.67
MS: 3.55
GS: 3.52
BRK.A: 3.18
BRK.B: 3.18
ALLY: 1.43

Where Ally Financial (ALLY) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Ally Financial (ALLY) trades at 0.88 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

ALLY

Financial Services industry group

0.88

Group distribution

Max: 7.79
Q3: 3.63
Median: 1.57
ALLY: 0.88
Q1: 0.81
Min: -0.39

Largest peers

MA: 84.30
V: 22.05
MS: 2.65
GS: 2.36
BRK.A: 1.72
ALLY: 0.88
BRK.B: 0.00

Where Ally Financial (ALLY) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Ally Financial (ALLY) metric values compared with Financial Services industry-group medians
Metric	Current stock: ALLY	Industry group median
P/E Ratio (TTM)	8.73	15.37
P/S Ratio (TTM)	1.43	2.72
P/B Ratio (MRQ)	0.88	1.57
Free Cash Flow Yield (TTM)	--	--