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Our Business Ally Financial Inc. (together with its consolidated subsidiaries unless the context otherwise requires, Ally, the Company, we, us, or our) is a financial-services company with $196.0 billion in assets as of December 31, 2025. The Company comprises the nation s largest all-digital bank and an industry-leading automotive financing and insurance business, driven by a mission to Do It …
$45.64
$1.16 (-2.48%)
EOD Jul 17, 2026
Net margin is thin at 10.77%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue declined 3.3% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
11.1x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$8.47B
▼ -3.3% YoY
Net Income (TTM)
$1.40B
▲ +27.5% YoY
Net Margin
16.47%
P/E
11.1x
Balance Sheet
Total Assets
$197.27B
Equity
$15.61B
Total Debt
$19.16B
Cash & Equiv.
$9.52B
5Y CAGR: +8.6%
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At a P/E of 11.1, Ally Financial (ALLY)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, Ally Financial scores 55/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 2.7%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Ally Financial scores 55 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Ally Financial pays a regular dividend of about $1.22 per share per year (typically in quarterly installments), a yield of roughly 2.7% at the current price. That is a payout ratio of about 27.3% of earnings, so the dividend is amply covered by earnings. Ally Financial has grown the dividend at roughly 4.0% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For ALLY's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh ALLY's valuation and scores 55/100 on quality (mixed). It also yields about 2.7%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.