Fair value (multi-method)
Four independent methods triangulate what ALLY is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$36.67
Method range
$34.03 – $60.12
median $45.77
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $36.67 | -17.90% |
| Exit multiple | $60.12 | +34.59% |
| Analyst target | $54.86 | +22.81% |
| Graham number | $34.03 | -23.81% |
- Forward DCF$36.67
- Exit multiple$60.12
- Analyst target$54.86
- Graham number$34.03
Stock price
$44.67
EPS (TTM)
$4.24
5Y EPS CAGR
-3.8%
Fair value @ hist. growth
$36.67
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied EPS growth
-1.0%
per year over your projection horizon
Margin of safety -21.8% vs hist-growth DCF
Historical 5Y CAGR
-3.8%
Your model implies
-1.0%
Analyst consensus for next year implies 25.1% — beyond the model's annualised scale. Consensus reflects a one-step EPS estimate vs TTM, not a multi-year CAGR.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 8.1% | -3.6% | -4.2% | -4.8% | -5.4% | -6.1% |
| 9.1% | -1.9% | -2.3% | -2.8% | -3.4% | -4.0% |
| 10.1% | -0.2% | -0.6% | -1.0% | -1.5% | -2.0% |
| 11.1% | 1.4% | 1.0% | 0.7% | 0.3% | -0.2% |
| 12.1% | 2.9% | 2.6% | 2.2% | 1.9% | 1.5% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
PEG
0.36
Low vs growth
Net debt
$11.7B
Total debt − cash
Beta
1.08
Vs market benchmark
Annual diluted EPS
Per-share earnings by fiscal year — last 5 years anchor the CAGR reference above.
Frequently asked questions
Ally Financial (ALLY) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
- Buybacks1.41% TTM
- Dividend Profile2.69% yield
- Dividend Calculator
- Dividend Forecast
- Dividend Capture
- Stock Split History1 split
How this company returns cash to shareholders — buybacks, dividends, and stock splits.