Bull Rankings model

Ally Financial Inc. (ALLY) stock analysis

Credit Services. Scored on the same transparent model behind the daily rankings.

★
ALLY
Ally Financial Inc. · Credit Services
69.0Financial strength
$37.59Oct 9 close$11.4B
1Y Target$49.73Analyst consensus · 18 analysts
5Y Target$62.78Compound horizon
10Y Target$80.51Long-dated conviction
FCF$762mTTM · 06/26
C+
FCF $762m — respectable but not differentiating · Trailing twelve months to 06/26 (operating cash flow − capex).
Rev-1.4%FY YoY
D+
Revenue -1.4% — shrinking; needs a catalyst to reverse · Computed from the last two annual revenue figures (FY YoY).
D/E*—
—
No debt-to-equity ratio to show (see the note below the grades)
P/E8.8x
A-
P/E 8.8 — cheaper than most Financial Services peers (≈25th pctile)
PEG0.27
A
PEG 0.27 — exceptional; paying well under fair value for growth

* D/E omitted — equity is negative or tiny next to debt

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 69.0 / 100
Profitability53.7
Value (P/B)90.7
Income70.6

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 rangeNear 52-week low
21% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Credit Services · market cap $11.4b. Down 21% from 52-week high of $47.29 — deep drawdown territory. PEG 0.27 — paying under fair value for the growth rate. 18 sell-side analysts rate this a Buy with a mean 1-yr target of $49.73 (implying +32% 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 $49.73 (18-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $62.78 at ~11% CAGR — dividend compounding plus earnings growth. 10 yr $80.51 if the moat survives secular pressure.
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.

ALLY at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY54VALUE91COVERED INCOME7169/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$37.6LOW $35.9HIGH $47.3Trading near its 52-week low ($35.9–$47.3).
ONE-YEAR MOVE VS ITS BETAFLATThis stock+2%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change-3.6%
90-day change-5.0%
Forward EPS estimate$6.20

Over the last 90 days, what analysts expect ALLY to earn is materially lower (-5.0%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Position sizing · ALLY
Shares to buy
53
Position size
$1,992
4.0% of portfolio
Stop price
$28.19
25% below $37.59
$ at risk if stopped
$498.07
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

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.

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?

We don't publish a discounted-cash-flow value for ALLY, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. ALLY is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

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.

New to these metrics? See the guides and the methodology.

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