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)
$35.32
Method range
$34.03 – $53.63
median $44.33
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 | $35.32 | -17.42% |
| Exit multiple | $53.63 | +25.40% |
| Analyst target | $53.33 | +24.69% |
| Graham number | $34.03 | -20.42% |
- Forward DCF$35.32
- Exit multiple$53.63
- Analyst target$53.33
- Graham number$34.03
Stock price
$42.77
FCF / share (TTM)
$2.14
3Y FCF CAGR
-36.4%
Fair value @ hist. growth
$3.03
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 FCF growth
7.9%
per year over your projection horizon
Margin of safety -1310.1% vs hist-growth DCF
Historical 3Y CAGR
-36.4%
Your model implies
7.9%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
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.
Undiscounted FCF per share over 10 years at -36% annual growth.
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% | 4.9% | 4.3% | 3.6% | 2.8% | 2.0% |
| 9.1% | 7.0% | 6.4% | 5.8% | 5.2% | 4.5% |
| 10.1% | 8.9% | 8.4% | 7.9% | 7.3% | 6.7% |
| 11.1% | 10.7% | 10.2% | 9.8% | 9.3% | 8.8% |
| 12.1% | 12.4% | 12.0% | 11.6% | 11.2% | 10.7% |
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.
Net debt
$11.7B
Total debt − cash
Beta
1.11
Vs market benchmark
Frequently asked questions
Ally Financial (ALLY) Key Financials
Charts, filings, and peer comparison for every metric
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