Ally Financial (ALLY)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$43.73+0.32%
Close 2026-09-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · ALLY
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 9 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $44 ALLY trades at 0.9× p/b, below its 1.6× p/b peer median. Our $49 fair value sits above the price. We hold it with medium confidence: the peer anchor overstates how cheap it looks. Analysts target $49–$58. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $55.00 | — | — | Analyst | high |
| ddm gordon | 12M | $16.39 | — | — | TTM | high |
| graham number | 12M | $71.48 | — | — | TTM | high |
| Peer P/B | 12M | $77.73 | 1.6 | 49.80 | TTM | high |
| Peer P/E | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Below average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
$49.00 – $58.00 (median $55.00) · 6 analysts · as of 2026-09-01
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Roughly priced in line with peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $41.27 |
| 9.0 |
| 4.56 |
| TTM |
| high |
| Peer P/S | 12M | $38.97 | 1.4 | 27.90 | TTM | high |
| PEG | 12M | $93.28 | 20.5 | 4.56 | TTM | high |
| residual income | 12M | $48.24 | — | — | TTM | high |
| triangulated | 12M | $44.04 | 9.0 | 4.87 | Triangulated | high |
| Peer P/B | 3Y | $88.98 | 1.6 | 57.01 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $66.98 | 9.0 | 7.40 | Analyst | medium |
| Peer P/S | 3Y | $50.06 | 1.4 | 35.85 | Analyst | medium |
| PEG | 3Y | $151.41 | 20.5 | 7.40 | Analyst | medium |
| Peer P/B | 5Y | $97.37 | 1.6 | 62.39 | Hist. CAGR(prov.) | medium |
| Peer P/E | 5Y | $78.84 | 9.0 | 8.71 | Analyst | medium |
| Peer P/S | 5Y | $58.93 | 1.4 | 42.20 | Analyst | medium |
| PEG | 5Y | $178.23 | 20.5 | 8.71 | Analyst | medium |