ALLY
ACCE-researchedOverview
ACCE thesis
Ally Financial operates as a digital-first bank focused on auto lending, consumer banking, and corporate finance, with auto loans representing roughly 75% of its loan portfolio. The company benefits from deep relationships with auto dealers nationwide and superior digital banking infrastructure that drives lower operating costs than traditional brick-and-mortar competitors. Rising auto loan originations and expanding deposit market share create multiple revenue streams while the Federal Reserve's rate environment boosts net interest margins. Trading at 10.6x earnings with a forward PE of just 6.8x, Ally generates returns on equity exceeding 15% while maintaining a tangible book value per share around $38. The market's concerns about auto credit quality create an entry point for a franchise that has consistently outperformed through multiple credit cycles.
- highNegative free cash flowFCF is -$647M, concerning for a financial services firm and limits capital return flexibility.
- moderateZero 5-year revenue CAGR5-year revenue CAGR is 0.0%, suggesting the recent 19.7% YoY growth may not reflect durable long-term expansion.
- moderateElevated leverage ratioDebt/Equity of 1.37 is meaningful for a consumer lender in a higher-for-longer rate environment, pressuring net interest margins.
Walk me through this stock
Plain-English pros, cons, and what to watch. Pro feature.
Price
Valuation
INVESTORSix independent models converge on one confidence-weighted fair value, with full methodology and editable assumptions.
- +All six models: DCF, P/E and EV/EBITDA comps, Graham, dividend discount, residual income
- +Scenario bands, sensitivity tornado, and the 5-year historical valuation range
- +Editable DCF workbench with saved scenarios
Quality
INVESTORThe full quality picture: conviction breakdown, earnings quality, score history, and backtested returns.
- +Conviction score breakdown and earnings-quality grade
- +Growth / value / quality / momentum component scores
- +90-day score history and score-threshold backtests
Analysts
Wall Street consensus
The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.
- +Price-target low / average / high vs the current price, with implied upside
- +Forward revenue and EPS consensus by fiscal year
- +ACCE fair-value models lined up against the Street
Smart Money
PROFollow the institutions: 13F position changes, insider trades, and active 13D activist filings.
- +Quarter-over-quarter institutional position changes
- +Recent open-market insider transactions
- +Active 13D activist filings and top holders
Compare
Where it sits vs peers
Algorithmic peers (6)
| Ticker | Company | Mcap | P/E | ROE | D/E | Yield | Quality | |
|---|---|---|---|---|---|---|---|---|
| PFC.NS | Power Finance Corporation Limited | $11.8B | 4.3 | 20.5% | 536.84 | 4.5% | - | Compare |
| IRFC.NS | Indian Railway Finance Corporation Limited | $11.0B | 14.7 | 12.9% | 773.35 | 3.6% | - | Compare |
| TATACAP.NS | TATA CAPITAL LIMITED | $15.3B | 27.1 | 12.0% | 502.93 | 0.2% | - | Compare |
| FCFS | FirstCash Holdings Inc. Common Stock | $9.5B | 24.9 | 17.4% | 1.02 | 0.8% | - | Compare |
| CHOLAFIN.NS | Cholamandalam Investment and Finance Company Limited | $16.0B | 26.5 | 19.3% | 695.28 | 0.1% | - | Compare |
| RECLTD.NS | REC Limited | $8.6B | 5.1 | 20.0% | 607.46 | 2.0% | - | Compare |
Sector report card
Where ALLY ranks against its sector peers on each metric.
News and Record
Press releases mentioning this company
- PR Newswire•Sep 17, 2026Ally Financial schedules release of third quarter 2026 financial results
- PR Newswire•Aug 26, 2026Ally Establishes New Benchmark for What Traditional Economic Indicators Miss
- PR Newswire•Aug 20, 2026Ally Financial to present at the Barclays Global Financial Services Conference
Ask anything, Pro feature
Ask questions about this stock in plain language. Answered from company fundamentals + recent valuations.