Stocktoria
Ally Financial Inc. ALLY
Ally Financial Inc. (ALLY) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 2.62% (safety: moderate). FY2025 revenue was $7.9B at a 10.8% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-04 | Truist Securities | Buy (main) |
| 2026-07-10 | RBC Capital | Outperform (main) |
| 2026-07-08 | B of A Securities | Buy (main) |
| 2026-06-26 | Wells Fargo | Overweight (main) |
| 2026-06-23 | Citigroup | Buy (main) |
| 2026-04-21 | Evercore ISI Group | Outperform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
| FBP | FIRST BANCORP /PR/ | 7/9 | — | 11.8 | +2.4% |
All Finance, Insurance & Real Estate companies →
About Ally Financial Inc.
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations. It offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing; and financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The company also provides consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers; VSCs, VMCs, and GAP products; and underwrite select commercial insurance coverages, which primarily insure dealers' vehicle inventory. In addition, it provides senior secured asset-based and leveraged cash flow loans to middle-market companies; leveraged loans; commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings; and treasury activities, such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, original issue discount, and equity investments. Further, the company offers deposits and securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.
FAQ
Is ALLY financially healthy?
Ally Financial Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does ALLY pay a dividend, and is it safe?
Yes. Ally Financial Inc. pays a dividend yielding about 2.62% with a 44.5% payout ratio, rated “moderate” for safety.
How profitable is ALLY?
In FY2025, Ally Financial Inc. had a net margin of 10.8% and a return on equity of 5.5%.
Is ALLY overvalued or undervalued?
Ally Financial Inc. trades at about 18.7× trailing earnings — above its 10-year norm (10-year range 5.8×–21.7×, median 13.1×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ALLY?
The average Wall-Street price target for Ally Financial Inc. is $53.70, about 21.4% above the recent price, from 17 analysts (consensus: buy).
Is ALLY a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Ally Financial Inc.: a Piotroski F-score of 5/9, a P/E of about 17.0×, a dividend yield of 2.62%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.