Ally Financial Inc. — Credit Services. Scored on the same transparent model behind the daily rankings.
★
ALLY
Ally Financial Inc. · Credit Services
FCF$762mC+
Rev-1.4%D+
D/E——
P/E10.2xA-
PEG0.46A
66.3Financial strength
$43.33$13.2B
1Y Target$53.88Analyst consensus · 17 analysts
5Y Target$68.02Compound horizon
10Y Target$87.23Long-dated conviction
FCF$762mTTM · 06/26C+
FCF $762m — respectable but not differentiating · TTM computed from 4 most-recent quarters (TTM · 06/26).
Rev-1.4%FY YoYD+
Revenue -1.4% — shrinking; needs a catalyst to reverse · Computed from last two annual revenue figures (FY YoY).
D/E——
D/E data unavailable — neutral default
P/E10.2xA-
P/E 10.2 — cheaper than most Financial Services peers (≈25th pctile)
PEG0.46A
PEG 0.46 — exceptional; paying well under fair value for growth
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Financial strength · 66.3 / 100
Profitability0.54
Value (P/B)0.86
Income0.66
A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.
Entry · Margin of safety
52-week rangeMid-range
8% off the 12-month high
vs DCF fair value18% belowest. fair value ~$53
What the price assumes: free cash flow compounding at ~8% a year for the next decade — vs the ~23% a year our model projects from current growth and analyst estimates.
Why now
Credit Services · market cap $13.2b. 8% off the 52-week high of $47.29. PEG 0.46 — paying under fair value for the growth rate. 17 sell-side analysts rate this a Buy with a mean 1-yr target of $53.88 (implying +24% upside).
Moat
Net margin 18% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $53.88 (17-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $68.02 at ~9% CAGR — dividend + buyback compounding. 10 yr $87.23 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · ALLY
Not enough history yet — the model records ALLY's score after each daily run, and the chart appears once a few days have accumulated.
Position sizing · ALLY
$
%
%
Shares to buy
46
Position size
$1,993
4.0% of portfolio
Stop price
$32.50
25% below $43.33
$ at risk if stopped
$498.29
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Ally Financial Inc. (ALLY): score, valuation & FAQ
Ally Financial Inc. (ALLY) is a Credit Services company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.
Its strongest graded signals are PEG (A) and P/E (A-), while Rev (D+) rate weaker. On valuation, ALLY sits about 18% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly 8% annual free-cash-flow growth over the next decade.
Is ALLY a good stock to buy?
Bull Rankings grades ALLY on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by PEG (A) and P/E (A-). A score is a quantitative screen of Ally Financial Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
How does Bull Rankings grade ALLY?
As a bank, insurer or REIT, ALLY isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on PEG (A) and P/E (A-) and weakest on Rev (D+).
Is ALLY overvalued or undervalued?
Based on $43.33, ALLY sits about 18% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly 8% annual free-cash-flow growth over the next decade. It trades at a 10.2x× P/E (graded A-). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in ALLY?
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.