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STOCK COMPARISON

Ally Financial vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Ally Financial (ALLY) and Visa Inc. Class A (V) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees Ally Financial as the less overvalued of the two: Ally Financial trades at $44.06 versus a fair value of $36.13 (-18%), while Visa Inc. Class A trades at $370 versus $204 (-45%).
Ally Financial
ALLY · USD · Financials
-18%
upside to fair value
overvalued
Price$44.06
Fair Value$36.13
Quality53/100
Visa Inc. Class A
V · USD · Financials
-45%
upside to fair value
overvalued
Price$370
Fair Value$204
Quality79/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Ally FinancialVisa Inc. Class A
Valuation
11.1×P/E (TTM)30.4×
1.82×P/S (TTM)15.42×
0.90×P/B17.51×
8.6×EV/EBITDA22.0×
0.48×PEG1.53×
2.6%Dividend yield0.8%
$1.20Dividend per share$2.60
Profitability
18%Net margin52%
21%Operating margin67%
9%Return on equity60%
1%Return on assets19%
Growth
20%Revenue growth (YoY)17%
22.5%Avg. growth/yr (3Y)10.9%
7.2%Avg. growth/yr (5Y)12.9%
Balance & size
1.10×Debt / equity0.52×
$14BMarket cap$664B
expensiveGrowth qualityhealthy

Ally Financial leads: 8 to 6 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Ally Financialof which business quality 42 · market factors 59 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
19
76
Quality GrowthAre margins and returns improving?
58
41
CashflowEarnings quality: real cash, not paper profit
50
85
Fin. StrengthBalance sheet, leverage, solvency risk
17
71
InvestmentDisciplined investing over empire-building
55
85
Low VolatilityCalm price path (market factor)
61
83
MomentumPrice trend over the last 3–12 months (market factor)
53
53
52W MomentumDistance to the 52-week high (market factor)
65
72
Net IssuanceBuybacks instead of dilution
77
100

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Ally Financial

Earnings-Based$18.86
Dividend Discount$18.40
Multiples$47.25
Asset-Based$33.88
Economic Profit$24.29
Growth Earnings$42.14

10 of 14 models see the stock below the current price.

Visa Inc. Class A

DCF Models$283
Earnings-Based$148
Multiples$133
Asset-Based$15.30
Growth DCF$225
Economic Profit$179
Growth Earnings$227

23 of 24 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Ally Financial
Bear $27.10Fair Value $36.13Bull $45.17
$44.06 = current price (white tick)
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$370 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Ally Financial · Financials

Quality score53 · below median
Fair value upside-18% · below median

Visa Inc. Class A · Financials

Quality score79 · Top 25%
Fair value upside-45% · bottom 25%

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees Ally Financial as the less overvalued of the two: Ally Financial trades at $44.06 versus a fair value of $36.13 (-18%), while Visa Inc. Class A trades at $370 versus $204 (-45%).

Visa Inc. Class A has the higher quality score (79/100).

See the full analysis →
Ally Financial · Visa Inc. Class A

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.