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Ally Financial

ALLY
56
Financial - Credit Services · Financial Services
Also trades as: 0HD0.L GBP 0.39 (-0.33%)
Price
$39.06
-0.25 (-0.64%)
Market Cap
$11.88B
Winston Score
56
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Oct 25, 2026 · filings through Sep 30, 2026

§How the score breaks down

Quality
Mixed
13/30
Growth
Strong
16/20
Cash Flow
Good
6/10
Stability
Weak
2/10
Valuation
Strong
7/10
Ownership
Good
10/15
Dividends
Mixed
2/5

56 of 100 counted points = Winston Score 56.

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Share count falling — buybacks

−13.9% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 365.2M (2021) → 314.3M (2025)

§Winston Score History

The full picture

Ally Financial is a digital bank and auto lending company based in the United States. Its main business is giving car loans to people who buy vehicles at dealerships — it works with thousands of car dealers across the country to finance those purchases. Ally also offers everyday banking products like savings accounts, checking accounts, and credit cards directly to consumers online.

Ally makes most of its money from interest — it collects loan payments from car buyers and pays lower rates to depositors, keeping the difference. It operates almost entirely in the U.S. and has grown into one of the largest auto lenders in the country, which gives it scale and deep relationships with dealerships. The biggest risk Ally faces is credit losses — when borrowers can't repay their loans, especially in a weaker economy, profits can fall quickly, and recent years have shown rising delinquency rates in its auto loan portfolio.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+5.1% YoY

YoY Growth Rate

Slow revenue growth

Reported EPS Growth

+10.9% YoY

Quarterly reporting periods ended:

30 Sept 2025: $1.19

30 Sept 2026: $1.32

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

11.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

$35.0B cash & investments at current burn rate

Growth context

Ally Financial is growing revenue at 5% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
50.0%
Healthy — 50.0% gross margin
Profit after running costs
Operating Margin
13.7%
Healthy — 13.7% operating margin
Return on the money invested
ROCE
4.7%
Weak — 4.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth
Sales YoY
+4.9%
Slow sales growth (+4.9% YoY)
Profit growth
EPS YoY
+163.1%
Earnings growing fast (+163.1% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash
Cash Conversion
262%
Turns 262% of profit into real cash
Spare cash per sale
FCF Margin
-3.8%
Burning cash (-3.8%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns
Debt / Equity
1.67
Elevated debt (1.67)
Covers its interest
Interest Cover
0.31x
Dangerous — barely covers interest (0.3x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit
P/E Ratio (TTM)
8.8x
Attractive valuation — P/E 8.8

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
+0.7
GROWING
Earnings roughly flat

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Dividends

Dividend
Dividend Yield
3.17%
Moderate income — 3.17% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+0.0%
Dividend flat
Payout Ratio
33%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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