Ally Financial Inc. (ALLY) intrinsic value & 10-year financials
Ally Financial Inc. (ALLY) has a Graham intrinsic value of $21.84 per share. At $37.68 on Oct 17, 2026, the stock trades 73% above that value. Over the last 10 fiscal years revenue shrank 15.1% a year to $1.2B, with an average return on invested capital of 4.2%.
- Graham intrinsic value
- $21.84
- Share price (Oct 17, 2026)
- $37.68
- Price vs Graham value
- 73% above
- Market cap
- $11.8B
- Revenue (FY2025)
- $1.2B
- Revenue growth (10-yr CAGR)
- -15.1%
- ROIC (10-yr avg)
- 4.2%
- Free cash flow (FY2025)
- —
ALLY 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $1.2B | $852.0M | $2.37 | — | — | 3.9% |
| FY2024 | $1.2B | $668.0M | $1.80 | — | — | 2.9% |
| FY2023 | $968.0M | $1.0B | $2.98 | — | — | 4.1% |
| FY2022 | $908.0M | $1.7B | $5.03 | — | — | 6.3% |
| FY2021 | $852.0M | $3.1B | $8.22 | — | — | 12.2% |
| FY2020 | $753.0M | $1.1B | $2.88 | — | — | 3.3% |
| FY2019 | $727.0M | $1.7B | $4.34 | — | — | 3.5% |
| FY2018 | $689.0M | $1.3B | $2.95 | — | — | 2.4% |
| FY2017 | $5.8B | $929.0M | $2.04 | — | — | 1.6% |
| FY2016 | $5.4B | $1.1B | $2.15 | — | — | 1.7% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Ally Financial Inc. is facing top-line stagnation, with revenue contracting over the decade.
Ally Financial Inc. has historically struggled to out-earn its cost of capital, averaging just 4.2% ROIC.
Over the decade, Ally Financial Inc. shows that management has aggressively returned capital to shareholders by retiring 35.1% of outstanding shares.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Ally Financial Inc. is modeled at 1.1% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $21.84 per share.