Ally Financial Inc. · Banks

ALLY

Low riskNext report: Around Jan 20, 2027 (est.)

View price ↗

The short version

A profitable company with steady sales.

Going well

Pays a 3.1% dividend yield
Profitable every year for 10 years
Brings in more cash than it spends

Money moves

Insiders sold $496K in the last 30 days
Institutions added 1.5% to their holdings in the quarter ending June 2026 (334 bought, 241 sold)
Held by George Soros (Soros Fund), Warren Buffett (Berkshire Hathaway)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$38.80-0.7% that day

Company value: $11.8B; Share price times all shares
Price vs profit (P/E): 9.1x; You pay about $9 for each $1 of yearly profit
Price vs sales: 1.4x; Company value is 1.4 times a year of sales
Dividend yield: 3.1%; Yearly dividend as a share of today's price
Cash vs value: 66%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 145%; Owes more than the whole company is worth

From ALLY's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$2.3B+9.8% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $8.7B, up 11% from the 12 months before. Over 5 years, sales grew about 3.4% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of ALLY. Starting points are the company's recent numbers.

Sales growth+11% a yearRecently: +11% a yearProfit margin17%Last 12 months: 16.8%P/E at the end9xToday: 9.1x. Many steady companies trade at 12x to 25xShare count change-1% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$14.6B

Profit in 5 years$2.5B

Price these guesses point to$77.35+99% vs $38.80 todayAbout +15% a year, before dividends

What today's price needs: with a 17% margin and a 9x P/E, sales could shrink about 3.3% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

4/6Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.5.8%
MissDebt under half of equityNot relying on borrowed money.1.10x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.10.8%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$3.7B
PassShare count not growingNot diluting owners. Falling means buybacks.-1.8% in 3 years

Revenue: $7.9B; -3.3% vs prior year
5-year growth: +3.4%/yr; revenue, per year
Total debt: $17.1B; 1.10x equity
Free cash flow: $3.7B; 47.1% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.

Latest quarter

New results, as stated in the press release

Reported Oct 20Before open7:20 am ET

Revenue: $1.7B

Revenue and EPS as the company states them. Margins, cash flow and share count fill in with the 10-Q.

Insider rating

Last 90 days

34Selling

1 insider sold $496K (not pre-planned)

50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.

Weekly insider trend

13 weeks agoBoughtSoldThis week

Filing buzz

Last 7 days vs normal

85/ 100

This week: 6
Normal week: 1.1
vs normal: 5.5x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Steady+1.5%

Institutions added 1.5% to their holdings. 334 bought, 241 sold. 3 quarters of net buying in a row.

Shares held by institutions291.8M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

+0.3%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

1.1x · $17.1B debt

Shares outstandingLatest reported

304M

Earnings reports

Last 12

Next reportAround Jan 20, 2027 (est.)Estimated from the same quarter last year

Results filedOct 20
Results filedJul 21
Results filedApr 17
Results filedJan 21
Results filedOct 17, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

Offering prospectusSep 9 · View filing ↗Offering

Insider trades

Open-market buys and sells, last 90 days

Bought$00 insiders

Sold$496K1 insider, 0 pre-planned

Insider	Trade	Shares	Avg price	Value	Owns after	Date
Kathleen L. PattersonChief HR & Corp Citizenship	Sell	13K	$38.65	$496K	68K	Oct 21Filing ↗
-15.9% of their holdings Not a pre-planned sale Filed 1 day after