SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Ally Financial Inc. (ALLY) trades at a trailing P/E of 15.1, forward P/E of 8.1. Trailing earnings yield is 6.60%, forward earnings yield 12.30%. PEG 0.48 (Peter Lynch undervalued ≤1.0). Graham Number is $55.46.
Criteria proven by this page:
- VALUE (91/100, Pass) — P/E is below market average (15.1); PEG ≤ 1.0 — Peter Lynch undervalued (0.48); analyst target implies upside (+20.7%); earnings yield beats bond yields (6.60%).
- Forward P/E 8.1 (down from trailing 15.1) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.48 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 6.60% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 12.30% as earnings recover.
- Analyst consensus target $51.40 (+20.7% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 60/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
91/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
17/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — ALLY
Valuation Multiples
P/E (TTM)15.1
Forward P/E8.1
PEG Ratio0.48
Forward PEG0.07
P/B Ratio0.83
P/S Ratio0.84
EV/EBITDA10.0
Per Share Data
EPS (TTM)$2.74
Forward EPS (Est.)$5.23
Book Value / Share$49.87
Revenue / Share$48.89
FCF / Share$-1.72
Yields & Fair Value
Earnings Yield6.60%
Forward Earnings Yield12.30%
Dividend Yield2.89%
Graham Number$55.46
SharesGrow IV$85.26 (+100.3%)
Analyst Target$51.40 (+20.7%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
8.5 |
-0.05 |
0.68 |
0.92 |
1.19% |
| 2017 |
14.2 |
-3.06 |
0.98 |
1.34 |
1.39% |
| 2018 |
7.6 |
0.17 |
0.73 |
0.92 |
2.51% |
| 2019 |
7.0 |
0.15 |
0.83 |
1.04 |
2.27% |
| 2020 |
12.3 |
-0.37 |
0.91 |
1.25 |
2.16% |
| 2021 |
5.6 |
0.03 |
1.01 |
1.61 |
2.21% |
| 2022 |
4.5 |
-0.12 |
0.60 |
0.64 |
6.38% |
| 2023 |
11.1 |
-0.25 |
0.77 |
0.66 |
4.51% |
| 2024 |
16.5 |
-0.47 |
0.79 |
0.68 |
4.36% |
| 2025 |
16.5 |
0.53 |
0.91 |
1.16 |
3.47% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$2.15 |
$9.82B |
$1.07B |
10.9% |
| 2017 |
$2.04 |
$9.85B |
$929M |
9.4% |
| 2018 |
$2.95 |
$10.42B |
$1.26B |
12.1% |
| 2019 |
$4.34 |
$11.56B |
$1.72B |
14.8% |
| 2020 |
$2.88 |
$10.72B |
$1.09B |
10.1% |
| 2021 |
$8.22 |
$10.69B |
$3.06B |
28.6% |
| 2022 |
$5.03 |
$12.1B |
$1.71B |
14.2% |
| 2023 |
$2.98 |
$15.97B |
$957M |
6% |
| 2024 |
$1.80 |
$16.37B |
$668M |
4.1% |
| 2025 |
$2.37 |
$12.15B |
$852M |
7% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$5.25 |
$4.09 – $5.62 |
$9.02B |
$8.79B – $9.24B |
11 |
| 2027 |
$6.31 |
$5.66 – $6.65 |
$9.57B |
$9.22B – $9.89B |
11 |
| 2028 |
$7.02 |
$5.56 – $7.87 |
$10.03B |
$9.97B – $10.09B |
3 |
