Loading…
Digital-only bank and the largest auto lender, financing vehicle purchases through dealers plus online retail banking.
Digital-only bank and the largest auto lender, financing vehicle purchases through dealers plus online retail banking.
Earns the spread between what it charges on vehicle loans and leases and what it pays for funding, which is mostly deposits from its online-only bank rather than borrowed money. Dealers originate the loans, and Ally also finances dealers' inventories and sells them insurance.
Moat: narrow (scale, distribution, brand). Long-standing dealer relationships from GMAC heritage plus a low-cost online deposit base.
Headquarters: Detroit, Michigan, US · Founded: 1919 · Employees: 10,300
Size Ally Financial (ALLY) is a United States Financials company (Finance/Rental/Leasing) with a market value of $11.5B, the 717th largest of 3,117 United States companies the cockpit tracks. Shares closed at $38.17 on 6 Nov 2026.
Performance Over six months the shares fell 13.7%, against -5.9% for the median peer and -1.1% for the United States market (cap-weighted) — 7th lowest of 21 in its peer set.
Growth Revenue grew 4.7% over the last twelve months (peer median +15.8%); the operating margin is 18.8% (peer median 32.8%).
Valuation It trades at 0.88× book value against a peer median of 1.88× (4th cheapest of 21).
Price implies The share price implies a return on equity of about 9.8%; Ally Financial delivers 9.9%, so the price asks less than the business earns today.
Credit Ally Financial has 16 bonds outstanding ($12.7B), rated BBB- by the agencies and trading like BBB- at a weighted spread of 135 bp.
Short interest Short interest is 4.1% of the free float (15 Oct 2026).
Next results Next results expected around 15 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $16.0B | $15.1B | $16.4B | $15.9B | $12.3B |
| Revenue growth | — | -7% | +3% | +29% | — |
| Net income | $1.49B | $852M | $668M | $957M | $1.71B |
| Free cash flow | $2.19B | -$647M | $655M | $1.39B | $2.85B |
| Capital expenditure | $2.78B | $4.28B | $3.46B | $2.76B | $3.53B |
| Total debt | $25.1B | $21.9B | $19.2B | $21.0B | $20.3B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Ally Financial ALLY | $11.5B | -14% | +5% | 10% | 0.88× | 9.8% |
| Capital One COF | $121B | +7% | +26% | 9% | 1.11× | 11.1% |
| Synchrony Financial SYF | $23.0B | +1% | -2% | 20% | 1.55× | 16.7% |
| Credit Acceptance CACC | $5.37B | -1% | +2% | 23% | 3.86× | 38.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | ALLY | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +0.9% | +4.4% | 8th lowest of 21 |
| 6-month return | -13.7% | -5.9% | 7th lowest of 21 |
| Return on equity | 9.9% | 13.1% | 6th lowest of 21 |
| Price / book | 0.88× | 1.88× | 4th cheapest of 21 |
| Trailing P/E | 8.7× | 14.0× | 6th cheapest of 21 |
| ROE the price implies | 9.8% | 19.2% | 6th least demanding of 21 |
| ROE delivered | 9.9% | 12.6% | 6th lowest of 20 |
| Bond spread | 135 bp | 106 bp | 4th widest of 9 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Ally Financial ALLY | United States | $11.5B | -14% | +5% | 10% | 0.88× | 9.8% | 9.9% |
| Power Finance PFC.NS | India | $11.5B | -28% | +4% | 21% | 0.76× | 14.4% | n/a |
| Indian Railway Finance IRFC.NS | India | $11.1B | -25% | +13% | 13% | 1.74× | 28.2% | 12.6% |
| Mitsubishi HC Capital 8593.T | Japan | $11.9B | -9% | +1% | 7% | 0.93× | 5.9% | 7.2% |
| Muthoot Finance MUTHOOTFIN.NS | India | $12.2B | -20% | +47% | 32% | 2.62× | 32.0% | 31.8% |
| One 97 Communications PAYTM.NS | India | $12.2B | +50% | +24% | 5% | 6.92× | 47.0% | 5.4% |
| Ayvens AYV.PA | France | $8.45B | -16% | 0% | 9% | 0.68× | 8.0% | 9.2% |
| REC RECLTD.NS | India | $8.27B | -18% | -3% | 17% | 0.83× | 15.1% | 17.0% |
| Tata Capital TATACAP.NS | India | $16.0B | +10% | +18% | 14% | 3.08× | 41.2% | 14.0% |
| Cholamandalam Investment and Finance CHOLAFIN.NS | India | $16.2B | +6% | +21% | 21% | 4.43× | 67.7% | 20.6% |
| FirstCash FCFS | United States | $7.96B | -18% | +23% | 18% | 3.50× | 19.9% | 18.2% |
| Tokyo Century 8439.T | Japan | $7.50B | +12% | +8% | 12% | 1.01× | 7.7% | 11.6% |
| Kaspi.kz Joint Stock Company Sponsored ADR RegS KSPI | United States | $17.7B | +7% | +39% | 45% | 3.15× | 13.6% | 45.4% |
| L&T Finance LTF.NS | India | $7.36B | -9% | +17% | 12% | 2.38× | 45.8% | 12.3% |
| Piramal Finance PIRAMALFIN.NS | India | $7.17B | +13% | +71% | 7% | 1.58× | 13.0% | 6.5% |
| BOC Aviation 2588.HK | Hong Kong | $7.09B | -3% | -2% | 12% | 1.01× | 6.2% | 11.8% |
| Bajaj Housing Finance BAJAJHFL.NS | India | $7.05B | -9% | +17% | 12% | 2.77× | 41.1% | 12.4% |
| Jiangsu Financial Leasing 600901.SS | China | $6.66B | +12% | +14% | 13% | 1.67× | 5.9% | 13.5% |
| OneMain OMF | United States | $6.42B | 0% | +6% | 23% | 1.90× | 18.5% | 22.7% |
| SOFI SOFI | United States | $21.0B | +3% | +38% | 7% | 1.86× | 27.5% | 7.4% |
| SBI Cards & Payment Services SBICARD.NS | India | $5.89B | -10% | +6% | 16% | 3.24× | 40.7% | 16.3% |
Ally Financial has 16 bonds outstanding with $12.7B face value. The agencies rate it BBB-; its bonds trade like BBB-. Weighted yield 5.89%, a spread of 135 bp over government bonds.