Ally Financial Inc. (ALLY) Stock: Price, Forecast & Analyst Target
Ally Financial Inc. (ALLY) — MoonshotScore 48/100 (Fair band), calculated Oct 5, 2026. Price $37.63 (-0.74%), as of the Oct 5, 2026 trading session; market cap $11.5B. Expected results Oct 20, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 1.33× (market value Oct 5, 2026; cash Jun 30, 2026) · expected results Oct 20, 2026
Ally Financial Inc. · ALLY · NYSE · Financial Services · Financial - Credit Services
Research dated 2026-09-13: Ally Financial is a digital-first financial group built around the vehicle ecosystem, spanning consumer financing, dealer credit, insurance, remarketing, mortgages and secured corporate lending. Profitability has recovered sharply from the recent loss period; the key question is whether that recovery can persist while capital demands, funding obligations and vehicle-related credit exposure remain elevated.
Price as of Oct 5, 2026
Key Statistics
MoonshotScore v2 · Ally Financial (ALLY)
FairWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Cheap, but a strained balance sheet, stalling growth and average quality, and the price trend has turned against it. Business Quality: Average; Financial Safety: Strained; Valuation: Fair; Growth Durability: Shrinking; Momentum: Falling.
- quarterly revenue $4.07B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 7 of 8
- Altman Z 0.05 · Piotroski F 7
Holding back: soft growth, weak price trend
Helping: an attractive price
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 46 | Fair | |
| 48 | Fair | |
| 48 | Fair | |
| 48 | Fair | |
| 47 | Fair | |
| 47 | Fair |
The score moved from 47 in the stored Oct 4, 2026 snapshot to 48 in the current publication computed Oct 5, 2026 (+1); the largest pillar moves were Growth Durability -1 and Momentum -1. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $37.63 | |
| Change on the day | -0.74% | |
| 52-week range | $35.92–$47.29 | |
| Market capitalisation | $11.5B | |
| Price / earnings (trailing) | 8.84 | |
| Shares traded on the day | 4.68M | |
| Beta (volatility vs the S&P 500) | 1.07 | |
| Dividends per share (last 12 months) | $1.20 | |
| Dividend yield (last 12 months) | 3.17% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · below the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextOther perspectives
Council score for Ally Financial (ALLY): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
4 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 3, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 11, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 11, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the ALLY film — every key number, told as a short cinematic story
~2 min · open the film
What is Ally Financial (ALLY), and what does it report?
Short answer · as of
Ally finances vehicle purchases and leases for consumers while also funding dealer inventories, dealership operations, automotive retailers and fleets.
Research dated 2026-09-13.
Ally finances vehicle purchases and leases for consumers while also funding dealer inventories, dealership operations, automotive retailers and fleets. The same dealer network distributes protection products and commercial insurance, while mortgage lending, secured middle-market credit, brokerage and banking services broaden the business beyond automobiles.
Consolidated revenue therefore combines lending, leasing, insurance, remarketing, contract and fee activity rather than measuring vehicle demand alone. The earnings releases also present a revenue series that differs from the consolidated income-statement series, while the available segment breakdown isolates selected contract, remarketing, brokerage and banking-fee lines; comparisons require attention to which reporting view is being used.
What do the latest results show for Ally Financial (ALLY)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $4.07B.
Research dated 2026-09-13.
The latest consolidated period brought higher revenue, gross profit, operating profit and net income than the preceding period, while selling and administrative expense declined. That combination produced stronger operating conversion and higher diluted earnings, even though the separately reported earnings release showed revenue above expectations and earnings just short of expectations.
The immediate mechanism is visible in the income statement: more gross profit flowed through a smaller expense base. The broader record remains uneven, however, because the annual series shows a steep revenue decline alongside improved net income, and the recent earnings history alternates between revenue beats and misses even as reported earnings have generally held up better than expected.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $4.07B Jun 30, 2026
- Latest quarter · SG&A
- $458.00M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $537.00M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $4.07B | Not available | $458.00M | $537.00M |
| Mar 31, 2026 | $3.89B | Not available | $491.00M | $400.00M |
| Dec 31, 2025 | $3.94B | Not available | $514.00M | $386.00M |
| Sep 30, 2025 | $3.95B | Not available | $811.00M | $513.00M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $2.28B Jul 21, 2026
- Latest report · revenue estimate
- $2.22B Jul 21, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 21, 2026
- Latest report · EPS vs estimate
- Below estimate Jul 21, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 21, 2026 | $2.28B | $2.22B | $1.2100 | $1.2200 |
| Apr 17, 2026 | $2.10B | $2.14B | $1.1100 | $0.9340 |
| Jan 21, 2026 | $2.12B | $2.14B | $1.0900 | $1.0100 |
| Oct 17, 2025 | $2.37B | $2.11B | $1.1500 | $1.0000 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $4.07B | $410M | $1.18 (diluted) |
| Q1 FY2026 | $3.89B | $319M | $0.93 (diluted) |
| Q4 FY2025 | $3.94B | $327M | $0.95 (diluted) |
| Q3 FY2025 | $3.95B | $398M | $1.18 (diluted) |
What are the financial strengths and risks for Ally Financial (ALLY)?
Short answer
Cash and short-term investments were $8.68B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $675.00M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
Cash plus investments exceed reported debt, but most of that total sits in long-term investments whose classification is unspecified, while cash and short-term investments have moved sharply between reporting periods. Total liabilities remain substantial, liquidity ratios sit below full current coverage, and leverage is meaningful, so the headline cash total should not be read as freely deployable surplus.
Operating cash flow stayed positive throughout the displayed history, yet capital expenditure frequently absorbed that inflow and exceeded it in the latest period; the trailing free-cash-flow yield is negative. Ally is especially exposed when weaker consumer repayment performance, dealer inventory stress or adverse vehicle remarketing economics reach financing, leasing and insurance activities together. The quality and distress screens also point in different directions, making the underlying funding and credit mechanics more informative than either screen alone.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $675.00M Jun 30, 2026
- Previous quarter · operating cash flow
- $1.37B Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $675.00M | −$1.43B |
| Mar 31, 2026 | $1.37B | −$705.00M |
| Dec 31, 2025 | $652.00M | −$891.00M |
| Sep 30, 2025 | $1.20B | −$1.48B |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Ally Financial (ALLY)?
Short answer · as of
The next earnings report is expected on Oct 20, 2026.
Research dated 2026-09-13.
Watch whether gross profit continues to rise while administrative expense remains controlled, because that combination drove the latest improvement in operating profit. The scheduled earnings release also offers a direct test of the upward earnings and revenue path embedded in analyst estimates, especially after the latest release paired a revenue beat with a narrow earnings miss.
Liquidity composition deserves equal attention. Cash and short-term investments have swung dramatically, so the useful confirmation would be a stable mix of near-term liquidity and investments alongside operating cash flow that again covers capital expenditure. Vehicle contracts and remarketing activity should be read together because each connects Ally to the economics of financed automobiles.
How does Ally Financial compare with its peers?
Short answer
Ally Financial's score ranks 12th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Ally differs from a lender confined to consumer auto loans because it participates across the dealer ecosystem: retail contracts and leases, floorplan and term financing, warehouse and fleet credit, vehicle remarketing, protection products and dealer inventory insurance. That structure creates several ways to earn from the same channel, but it also allows weakness in vehicle credit or inventory economics to affect several activities at once.
Mortgage assets, secured middle-market lending, commercial banking, brokerage and advisory services add other sources of activity. Even so, the disclosed contract and remarketing lines reinforce that Ally should be assessed as an integrated vehicle-finance platform with adjacent financial businesses, rather than as a generic digital bank.
| Company | Price | Market value | Score |
|---|---|---|---|
| $535.85 Oct 5, 2026 | $5.61B | 97 5-pillar Oct 5, 2026 | |
| $98.90 Oct 5, 2026 | $4.00B | 97 5-pillar Oct 5, 2026 | |
| $56.24 Oct 5, 2026 | $6.50B | 96 5-pillar Oct 5, 2026 | |
| $10.17 Oct 5, 2026 | $5.05B | 93 5-pillar Oct 5, 2026 | |
| $178.00 Oct 5, 2026 | $4.43B | 93 5-pillar Oct 5, 2026 | |
| $22.74 Oct 5, 2026 | $4.28B | 92 5-pillar Oct 5, 2026 | |
| $71.88 Oct 5, 2026 | $23.4B | 88 5-pillar Oct 5, 2026 | |
| $210.36 Oct 2, 2026 | $9.12B | 81 5-pillar Oct 5, 2026 | |
| $123.87 Oct 2, 2026 | $4.45B | 76 5-pillar Oct 5, 2026 | |
| $77.39 Oct 5, 2026 | $31.7B | 73 5-pillar Oct 5, 2026 | |
| $17.66 Oct 5, 2026 | $13.7B | 50 5-pillar Oct 5, 2026 | |
| Ally Financial (ALLY) — this page | $37.63 | $11.5B | 48 |
| $15.44 Oct 5, 2026 | $13.7B | 34 5-pillar Oct 5, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $42.00 – $58.00
- Consensus target
- $52.88
- Median target
- $54.50
Consensus record · Captured .
Measured against a quoted price of $37.63 (as of Oct 5, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 30, 2026
- Transactions
- 25
- Identified insiders
- 14
- Purchases
- 0
- Sales
- 3
- Other transactions
- 22
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 95.2% Period end Jun 30, 2026
- Previous quarter · ownership
- 92.6% Prior to period end Jun 30, 2026
- Reporting holders
- 650 Period end Jun 30, 2026
- Previous quarter · holders
- 608 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 28,632,394 |
| Berkshire Hathaway INC | 27,000,000 |
| Harris Associates L P | 26,105,434 |
| Vanguard Portfolio Management LLC | 14,098,964 |
| Vanguard Capital Management LLC | 12,493,411 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Ally Financial (ALLY)?
ALLY Financial Services Stock FAQ
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
What does Ally finance through automotive dealers?
Ally funds consumer vehicle purchases and leases as well as dealer inventories, term needs, credit lines, automotive retailers and fleets. Its dealer channel also carries vehicle protection products and commercial insurance for inventory.
How does Ally’s remarketing activity connect to vehicle finance?
Vehicle remarketing sits beside consumer leases and financing within Ally’s automotive activities, linking asset disposition economics to the lending platform. Remarketing is also reported as a distinct revenue line.
Is Ally’s latest profit recovery backed by operating cash flow?
Operating cash flow remained positive, but capital expenditure exceeded it in the latest period and the trailing free-cash-flow yield stayed negative. The profit recovery is clear in the income statement, while cash conversion remains less convincing.
Is Berkshire Hathaway still a major Ally shareholder?
Berkshire Hathaway appears among Ally’s largest disclosed institutional holders. Institutional ownership also increased in the latest reported comparison, with more reporting holders participating.
What is the ALLY stock price today?
The last price recorded on this page for Ally Financial Inc. (ALLY) is $37.63, as of the Oct 5, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the ALLY price target?
The analyst consensus price target for Ally Financial Inc. (ALLY) is $52.88 (range $42.00 to $58.00, median $54.50), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Does ALLY pay a dividend?
Yes. Ally Financial Inc. (ALLY) shows a trailing 12-month dividend yield of 3.17%, as of Oct 2, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (80 figures)
The 80 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | Ally Detroit Center, 500 Woodward AVE. Floor 10, Detroit, MI, 48226 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "Ally Detroit Center, Detroit, MI, 48226, US". |
FMP — 70 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 20, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $37.63 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-05T21:44:38.561Z. | |
px.change | Change on the day | -0.74% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $11.5B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-05. FMP quote timestamp: 2026-10-05T20:00:03.000Z. Captured from FMP at 2026-10-05T21:44:35.858Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | −$0.28 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $4.07B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $35.92–$47.29 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 8.84 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 4.68M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 1.07 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Michael G. Rhodes | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 10,300 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $10.69B, net result $3.06B; FY2022 revenue $12.10B, net result $1.71B; FY2023 revenue $15.97B, net result $957.00M; FY2024 revenue $16.37B, net result $668.00M; FY2025 revenue $12.15B, net result $852.00M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Noninsurance Contracts $966.00M · Remarketing Activities $116.00M · Product and Service, Other $27.00M · Brokerage Commissions and Other $82.00M · Banking Fees And Interchange Income $39.00M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 49.7% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $4.07B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $458.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $537.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $3.89B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $491.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $400.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $3.94B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $514.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $386.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $3.95B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $811.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $513.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-21.revenue_actual | Revenue · reported — report date 2026-07-21 | $2.28B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-21.revenue_estimated | Revenue · estimate — report date 2026-07-21 | $2.22B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-21.eps_actual | EPS · reported — report date 2026-07-21 | $1.2100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-21.eps_estimated | EPS · estimate — report date 2026-07-21 | $1.2200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-17.revenue_actual | Revenue · reported — report date 2026-04-17 | $2.10B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-17.revenue_estimated | Revenue · estimate — report date 2026-04-17 | $2.14B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-17.eps_actual | EPS · reported — report date 2026-04-17 | $1.1100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-17.eps_estimated | EPS · estimate — report date 2026-04-17 | $0.9340 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.revenue_actual | Revenue · reported — report date 2026-01-21 | $2.12B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.revenue_estimated | Revenue · estimate — report date 2026-01-21 | $2.14B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.eps_actual | EPS · reported — report date 2026-01-21 | $1.0900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.eps_estimated | EPS · estimate — report date 2026-01-21 | $1.0100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-17.revenue_actual | Revenue · reported — report date 2025-10-17 | $2.37B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-17.revenue_estimated | Revenue · estimate — report date 2025-10-17 | $2.11B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-17.eps_actual | EPS · reported — report date 2025-10-17 | $1.1500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-17.eps_estimated | EPS · estimate — report date 2025-10-17 | $1.0000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $8.68B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $675.00M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $27.54B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $22.97B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 0.75× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $675.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $1.37B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$1.43B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$705.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $652.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$891.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $1.20B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$1.48B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $42.00 – $58.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $52.88 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $54.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 25 transactions · 0 purchases, 3 sales, 22 other transactions · 14 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 30, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 95.2% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 92.6% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 650 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 608 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 28,632,394 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Berkshire Hathaway INC — shares in provider snapshot | 27,000,000 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Harris Associates L P — shares in provider snapshot | 26,105,434 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 14,098,964 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Capital Management LLC — shares in provider snapshot | 12,493,411 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-29 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 0.05 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-03 · Expired observation |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 1.33× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $8.68B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-05. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $1.20 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 3.17% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-21.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($2.28B) with the recorded estimate ($2.22B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-21.eps_actual.comparison | Latest report · EPS vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($1.2100) with the recorded estimate ($1.2200) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 48 of 100 · Fair · pillars 48 / 36 / 79 / 18 / 14 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 47 (stored snapshot Oct 4, 2026) → 48 (current publication computed Oct 5, 2026) (+1) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-21. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-21.revenue_actual,earn.history.depth.2026-07-21.revenue_estimated,earn.history.depth.2026-07-21.revenue_actual.comparison,earn.history.depth.2026-07-21.eps_actual.comparison,earn.history.depth.2026-07-21.eps_actual,earn.history.depth.2026-07-21.eps_estimated,earn.history.depth.2026-04-17.revenue_actual,earn.history.depth.2026-04-17.revenue_estimated,earn.history.depth.2026-04-17.eps_actual,earn.history.depth.2026-04-17.eps_estimated,earn.history.depth.2026-01-21.revenue_actual,earn.history.depth.2026-01-21.revenue_estimated,earn.history.depth.2026-01-21.eps_actual,earn.history.depth.2026-01-21.eps_estimated,earn.history.depth.2025-10-17.revenue_actual,earn.history.depth.2025-10-17.revenue_estimated,earn.history.depth.2025-10-17.eps_actual,earn.history.depth.2025-10-17.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Ally Financial Inc. operates as a digital-first financial services provider, offering a comprehensive suite of products and services to individual consumers, commercial enterprises, and corporate clients. Its primary operational footprint spans the United States and Canada. The company is structured into four main operating segments: 1. Automotive Finance Operations: This segment specializes in vehicle financing solutions. Offerings include retail installment sales contracts, loans, and operating leases for consumers, as well as term loans for dealerships. It also facilitates dealer floorplan financing, other lines of credit for dealers, warehouse lines for automotive retailers, and fleet financing. Furthermore, this division provides funding for companies and municipalities purchasing or leasing vehicles and offers vehicle remarketing services. 2. Insurance Operations: Through this segment, Ally provides consumer finance protection and various insurance products via the automotive dealer channel. It also extends commercial insurance products directly to dealerships. Key offerings include vehicle service and maintenance contracts, guaranteed asset protection (GAP) products, and underwriting for commercial coverages, primarily safeguarding dealers' vehicle inventory. 3. Mortgage Finance Operations: This division oversees a portfolio of consumer mortgage loans. Its activities encompass the bulk acquisition of jumbo and low-to-moderate income mortgage loans originated by third parties, alongside direct-to-consumer mortgage offerings. 4. Corporate Finance Operations: This segment delivers senior secured leveraged cash flow loans and asset-based lending solutions to middle-market companies. It also provides other leveraged loans and commercial real estate products, particularly catering to firms within the healthcare industry. Beyond its core segments, Ally Financial Inc. also furnishes a variety of commercial banking products and services, alongside securities brokerage and investment advisory services. The company, founded in 1919 and based in Detroit, Michigan, was previously known as GMAC Inc. before officially changing its name to Ally Financial Inc. in May 2010. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash, investments and debt | Total debt: $22.97B; Liquidity basis: cash and short-term investments; Total liabilities: $184.28B; Cash and short-term investments: $8.68B; Cash and investments: $36.21B; Long-term investments: $27.54B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Trailing twelve-month ratio set | Quick ratio: 0.9; Current ratio: 0.9; Debt to equity: 1.48; Net margin: 9.2%; Gross margin: 49.7%; Operating margin: 11.6%; Return on assets: 0.7%; Return on equity: 9.4% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Revenue by segment | Noninsurance Contracts: $966.00M; Remarketing Activities: $116.00M; Product and Service, Other: $27.00M; Brokerage Commissions and Other: $82.00M; Banking Fees And Interchange Income: $39.00M | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-21 | FMP | Financial Modeling Prep (FMP) earnings |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Most recent periodic reports | 2026-07-23 | OFFICIAL | SEC EDGAR filer submissions | |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $36.21B; Cash and short-term investments: $8.68B; Long-term investments: $27.54B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Distress and quality screens | Altman Z-score: 0.05; Piotroski F-score: 7 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Next earnings report | Date: 2026-10-16; EPS estimate: $1.43 per share; Revenue estimate: $2.32B The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Largest 5 institutional holders | Captured record · 5 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings |
| Institutional ownership (13F) | Holders: 647; Quarter: 2026-06-30; Ownership: 95.2%; Holders previous quarter: 606; Ownership previous quarter: 92.5 13F filings are quarterly and lag the quarter end by up to 45 days. | 2026-06-30 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings |
Data provided for informational purposes only.