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Ally Financial Inc (ALLY) fair value: what the stock is really worth

As of Nov 4, 2026: fair value (intrinsic value) of Ally Financial Inc stock $36.41, price $39.36, that is 7.5% below the price, quality 48 out of 100. Rating: fairly valued. Calculated from audited financials with 7 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

AF Ally Financial Inc logo Some data Nov 3, 2026

Ally Financial Inc

ALLY · US
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Solidly profitable · 18.6% net margin (TTM)
Positive coverage
Costs just 9 times its yearly profit.
Fair value $36.41 · Fairly valued (−7.5%)
Quality 48/100
Expensive Growth (revenue 5y +7.2 %/yr in USD)
Moderate debt
3.0% dividend yield · Watch coverage
Mixed vs. peers (6/14)
Moderate moat 59/100 · thin data
Insiders sold $927,734 (6M)
Some data
Negative free cash flow

Risks from the AI analysis

🚩CFPB enforcement on auto loan pricing🚩Dependence on GM and Stellantis dealers🚩Rivals like Wells Fargo and Capital One in auto finance
Watch Ally Financial Inc for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$47.56 $19.94 Fair Value $36.41 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range $19.94 – $47.56 · fair‑value band $27.31 – $43.17 · the $39.36 price screens above the $36.41 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.

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Company profile

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations.

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It offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing; and financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services.

The company also provides consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers; VSCs, VMCs, and GAP products; and underwrite select commercial insurance coverages, which primarily insure dealers' vehicle inventory.

In addition, it provides senior secured asset-based and leveraged cash flow loans to middle-market companies; leveraged loans; commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings; and treasury activities, such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, original issue discount, and equity investments.

Further, the company offers deposits and securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.

Stock analysis

Ally Financial Inc (ALLY) currently trades at $39.36, while our model-based Fair Value estimate is $36.41, so the stock looks roughly fairly valued today (gap 8.1%).

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Valuation

Bull case: the Economic Profit group reads highest at a median of $40.66 per share, and 2 of the 7 models we run sit above the $39.36 price.

Bear case: the Dividend Discount group reads lowest at $16.73, and 5 of the 7 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $27.31 (bear) to $43.17 (bull), the price of $39.36 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Ally Financial Inc reported revenue of $12.2B in FY2025 versus $8.9B in FY2021, a compound +8.1%/yr. Reported net income was $852M in FY2025, compounding −27.4%/yr from FY2021.

Key figures

Market cap $12.2B Large · P/E ratio 9.0 · P/S ratio 1.53 · EPS (TTM) $4.37 · Dividend yield 3.0% · Net margin 18.6% · Return on equity 9.9% · Return on assets (EBIT) 1.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (low confidence).

What moves the price

The share trades about 17% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −7%, ALLY screens richer than that median.

Fair Value models

Bear $27.31 Fair Value $36.41 Bull $43.17
Price $39.36 · Downside -7.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.69 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $39.58 $40.66 $43.17 76
Gordon GGM $14.17 $16.73 $19.54 69
Graham-Dodd $19.05 $30.01 $36.04 67
All 7 models by family
Earnings-Based
Graham-Dodd $19.05 $30.01 $36.04 67
Dividend Discount
Gordon GGM $14.17 $16.73 $19.54 69
DDM Multi-Stage $14.17 $18.47 $23.74 67
Multiples
P/E Multiple $27.31 $36.41 $45.51 63
P/B Multiple $31.37 $41.83 $52.28 55
Asset-Based
NCAV (Graham) $25.16 $33.72 $50.32 54
Economic Profit
Residual Income $39.58 $40.66 $43.17 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 48/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 19
How much profit the company makes from its sales and capital
Quality Growth 58
Are margins and returns getting better?
Cashflow 50
Do the profits arrive as real cash?
Financial strength 17
Debt, balance sheet and risk of trouble
Investment 55
Does it invest with discipline instead of growing at any price?
Low Volatility 62
How calm the share price moves, does not count
Price momentum 30
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 33
Distance to the 52-week high, does not count
New shares 84
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors sold shares worth $927,734 and none bought.

  • SaleKathleen L. PattersonChief HR & Corp Citizenship12,831 shares at $38.65$495,884Oct 21, 2026
  • SaleStephanie N RichardChief Risk Officer2× since May 15, 2026: 10,000 shares, avg. $43.19$431,850Aug 4, 202610b5-1 plan
  • SaleDouglas R. TimmermanPresident, DFS39,675 shares at $45.17$1.8MApr 17, 202610b5-1 plan
  • BuyRussell E. HutchinsonChief Financial Officer11,566 shares at $43.17$499,304Jan 27, 2026
  • BuyMichael George RhodesChief Executive Officer, Director23,800 shares at $41.68$991,984Jan 23, 2026

Plus 24 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 4, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 41/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
Revenue growth 26 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.2%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+2.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.2%
Dividend (yield on the price)3.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−9.0% vs 1.3%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.61% → 9%
Pace: the 5-year rate starts in 2020 (pandemic)

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Recent news

News mood ⓘNews mood, the average tone of recent news (96 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.
Note from the team Oct 11, 2026
AI conclusion: The business benefits from its Loyally loyalty program that deepens digital customer ties across banking and auto services, yet limited moat and weak profitability metrics leave competitive strength average or below.
Main risk: Further CFPB or DOJ actions over discriminatory auto loan pricing could force changes to dealer markups and compress margins in Ally's core auto lending business.
Bull case: Ally could leverage its data platform and dealer relationships to diversify into corporate finance and deepen digital banking ties, offsetting any pressure from regulators or key partners.
Bear case: Sustained regulatory scrutiny combined with dealer shifts and rival encroachment could shrink Ally's auto originations and force narrower spreads, limiting growth in its primary lending segments.
Ally has rolled out Loyally, a fee-free loyalty experience offering personalized discounts, brand partnerships and VIP access without points systems or balance requirements. This move seeks to deepen ties with customers across banking and auto services in a purely digital setup. Yet the business still centers on auto lending and consumer credit, where macro pressures remain acute. Will the initiative lift multi-product usage enough to offset credit cycle risks?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 286 stocks

Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside −7.5% · Below median
Profitability
Return on equity (12 months) 9.9% · Above median
Return on assets 0.4% · Bottom 25%
Net margin (12 months) 18.6% · Below median
Operating margin (12 months) 27.3% · Below median
Growth and dividend
Revenue growth (quarter YoY) 5.0% · Below median
Dividend yield (12 months) 3.0% · Below median
Balance sheet
Debt / equity 1.10× · Above median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (12 months) 9.0× · Cheaper than median
P/B 0.79× · Cheaper than median
P/S (12 months) 1.53× · Cheaper than median
EV/EBITDA 7.9× · Cheaper than median
PEG 0.28× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)23 · sector 58
FUTURE (revenue growth)25 · sector 57
PAST (return on equity)40 · sector 39
HEALTH (low debt)45 · sector 55
DIVIDEND (yield)61 · sector 62

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $75.03 $141.92 +89% vs ALLY
PayPal Holdings PYPL $60.20 $107.45 +78% vs ALLY
Shriram Finance Limited SHRIRAMFIN ₹964.00 ₹1,309 +36% vs ALLY
Affirm Holdings AFRM $75.59 $80.82 +7% vs ALLY
Bajaj Finance Limited BAJFINANCE ₹1,070 ₹1,055 −1% vs ALLY
American Express Company AXP $332.59 $210.02 −37% vs ALLY
Visa Inc V $436.57 $242.87 −44% vs ALLY
Mastercard Incorporated MA $672.68 $360.13 −46% vs ALLY
Capital One Financial Corporation COF $206.31 $106.81 −48% vs ALLY
SoFi Technologies, Inc SOFI $17.38 $5.51 −68% vs ALLY

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Ally Financial Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Ally Financial Inc Fair Value". https://www.fairvalue-calculator.com/stock/ALLY

Frequently asked questions

Is Ally Financial Inc (ALLY) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of $36.41 versus a price of $39.36, about 7% lower (fairly valued).
What is the fair value of ALLY?
Our model-based fair value for Ally Financial Inc is $36.41 (as of Nov 3, 2026), built from audited fundamentals. The current price: $39.36.
What is the quality score of ALLY?
Ally Financial Inc has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Ally Financial Inc (ALLY)?
Our model-based price target is the fair value of $36.41 (as of Nov 3, 2026) from 7 valuation models. Cautious scenario $27.31, optimistic scenario $43.17. It is a calculation from audited fundamentals, not an analyst target.
What is the Ally Financial Inc stock forecast for 2026?
Our models put fair value at $36.41, about 7% lower versus a price of $39.36 (fairly valued). Cautious scenario $27.31, optimistic scenario $43.17. The calculation is refreshed regularly with new filings.
What is the revenue of Ally Financial Inc (ALLY)?
Ally Financial Inc reported trailing-twelve-month revenue of about $8.0B (latest available figure, as of Nov 3, 2026).
Does Ally Financial Inc pay a dividend?
Ally Financial Inc currently shows a dividend yield of 3.05% relative to its recent price (as of Nov 3, 2026).
What is the intrinsic value of Ally Financial Inc (ALLY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ally Financial Inc it is $36.41 per share (as of Nov 3, 2026), against a price of $39.36. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Ally Financial Inc stock overvalued or undervalued in 2026?
As of Nov 3, 2026, ALLY trades above its calculated fair value: price $39.36, fair value $36.41, a gap of about −7% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ALLY?
No. The price is what the market pays today ($39.36); the fair value is what the company's own numbers justify ($36.41). For Ally Financial Inc the two are $2.95 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ally Financial Inc worth?
The market values Ally Financial Inc at about $12.2B (market capitalisation, as of Nov 3, 2026). Per share that is $39.36; our models calculate a fair value of $36.41 per share.
What do the bullish and bearish scenarios say about ALLY?
Our models span a range for Ally Financial Inc: cautious scenario $27.31, base $36.41, optimistic $43.17 per share (as of Nov 3, 2026, price $39.36). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ALLY?
Ally Financial Inc trades at a price-to-earnings ratio of 9.0 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $36.41 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 10.7 (reported for FY2025: 14.5). Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 6 of the years ex one-offs: 7.4. Other multiples: PEG 0.3, P/B 0.8, P/S 1.5, EV/EBITDA 7.9.
What is the PEG ratio of ALLY?
The PEG ratio of Ally Financial Inc is 0.28 (P/E divided by earnings growth, as of Nov 3, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Ally Financial Inc (ALLY)?
Balance-sheet figures for Ally Financial Inc (as of Nov 3, 2026): return on equity 9.9%, debt of 1.10 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is ALLY from its 52-week high?
Ally Financial Inc trades at $39.36, about 17% below its 52-week high of $47.25 and 10% above the low of $35.72 (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of $36.41 is for.
Which stocks are comparable to Ally Financial Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Ally Financial Inc stock attractive at the current price?
The data as of Nov 3, 2026: price $39.36, calculated fair value $36.41 (−7%), Quality Score 48/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ALLY calculated?
We run Ally Financial Inc through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $36.41, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.6% above its aggregate fair value. Ally Financial Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Ally Financial Inc (ALLY)?
The closing price on Nov 4, 2026 was $39.36. Our model-based fair value is $36.41, about 7% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ally Financial Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Ally Financial Inc (ALLY) come from?
Earnings per share at Ally Financial Inc grew +1.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +10.0 %, EBIT margin −8.0 %, tax rate +1.4 %, residual (interest, one-offs) −1.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Ally Financial Inc

How large is the market capitalisation of Ally Financial Inc (ALLY)?
The market capitalisation of Ally Financial Inc is $12.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Ally Financial Inc (ALLY)?
The price-to-sales ratio of Ally Financial Inc is 1.53 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Ally Financial Inc (ALLY)?
Earnings per share at Ally Financial Inc are $4.37 (price ÷ EPS = P/E 9.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Ally Financial Inc (ALLY)?
The dividend yield of Ally Financial Inc is 3.0% (payout 20.2%, on adjusted earnings, reported 27.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Ally Financial Inc (ALLY)?
The net margin of Ally Financial Inc is 18.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Ally Financial Inc (ALLY)?
The return on equity (ROE) of Ally Financial Inc is 9.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Ally Financial Inc (ALLY)?
On an EBIT basis the return on assets of Ally Financial Inc is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Ally Financial Inc (ALLY)?
The operating margin of Ally Financial Inc is 27.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ally Financial Inc (ALLY)?
Revenue at Ally Financial Inc is growing +5.0% versus a year earlier (3y avg +9.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Ally Financial Inc (ALLY)?
Earnings per share at Ally Financial Inc are growing +10.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Ally Financial Inc (ALLY) generate?
The free cash flow of Ally Financial Inc is −$647M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Ally Financial Inc (ALLY) carry?
The net debt of Ally Financial Inc is $11.7B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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