NYSE: ALLY · Credit Services
Ally Financial (ALLY) fair value and price range
As of 31 Oct 2026, Faircurve's model values Ally Financial (ALLY) at $55.20 a share. The stock last closed at $37.92, which puts the model's fair value 45.6% above the price. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
Revalued . Price is the close of 3 Nov 2026. Ally Financial Inc.
The report adds the live price, the chart against the range the options market prices, the next earnings date and the analysts' consensus. No account needed.
This week, in three parts
What happenedThe run of 31 Oct 2026 moved the fair value from $58.84 to $55.20 (-6.2%). The model does not yet explain moves on this valuation method.
What the model makes of itThe price of $37.92 is 45.6% below it. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What's nextNext report on 20 Jan 2027. Options prices imply a move of about 9% either way over the next month. The next weekly run is on Saturday 7 Nov 2026.
What price range does the model give ALLY?
The calibrated range for ALLY over 63 trading days is $34.67 to $42.34. It sits around the last close, and its width comes from the volatility that ALLY's own options imply (30% a year), calibrated weekly against realised prices (n = 6,661 past valuations, refreshed 31 Oct 2026). Ranges built this way held the price 60% of the time at this horizon. The fair value is the model's opinion and rides beside the range. It is not the centre of it.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $43.19 to $69.26. In 91% of the simulations the fair value came out above the price the model ran on.
Faircurve Insights · 31 Oct 2026
Ally Financial Inc. (ALLY) operates as a digital-first financial services provider. It offers a comprehensive suite of products and services to individual consumers, commercial enterprises and corporate clients.
Faircurve's model gave a fair value of $55.20 a share on 31 Oct 2026. This is the midpoint of 2,000 simulations. The previous run, on 24 Oct 2026, gave $58.84, so the model's fair value moved -6.2%. The model does not yet explain moves on this valuation method. The calibrated range over 63 trading days is $34.67 to $42.34. It is built around the price from the volatility the stock's own options imply. Ranges built this way held the price 60% of the time at this horizon, based on 6,661 past valuations and calibration against realised prices each week. The model grades the evidence behind this valuation as low, so no verdict is shown.
The model compares Ally with three companies that each have a fair value of their own on the site: Sezzle Inc. (SEZL), Bread Financial Holdings, Inc. (BFH) and PayPal Holdings, Inc. (PYPL). Five further comparable companies have no verdict on this date: FirstCash Holdings, Inc (FCFS), Synchrony Financial (SYF), Global Payments Inc. (GPN), Enova International, Inc. (ENVA) and SLM Corporation (SLM). The sheet gives no quality score for the business, so this note does not report one.
Written from the figures on this page for the 31 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
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When does ALLY report earnings, and how has the stock reacted?
Ally Financial's next earnings report is scheduled for 20 Jan 2027. Companies can move their dates.
Options prices on 4 Nov 2026 imply a move of about 5.1% in either direction through the nearest expiry, about 15 days out. That is the size the market is pricing, not a direction. ALLY's 30 day implied volatility works out to about 8.7% over one month.
Around its last 8 reports: what the options market priced, and what followed
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across ALLY's last 8 reports, ignoring direction, was 3.2%.
What the options market has priced for a month's move in ALLY
How does ALLY compare with similar companies?
The companies in credit services closest to Ally Financial in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| FCFS FirstCash Holdings, Inc | $194.51 | $187.16 | -3.8% | Low evidence grade |
| SYF Synchrony Financial | $75.18 | $124.56 | +65.7% | Gap wider than 60% |
| GPN Global Payments Inc. | $98.00 | $72.86 | -25.7% | Low evidence grade |
| SEZL Sezzle Inc. | $122.43 | $128.78 | +5.2% | Fairly valued |
| ENVA Enova International, Inc. | $175.10 | $179.43 | +2.5% | Low evidence grade |
| BFH Bread Financial Holdings, Inc. | $106.26 | $127.90 | +20.4% | Undervalued |
| SLM SLM Corporation | $17.93 | $32.57 | +81.7% | Gap wider than 60% |
| PYPL PayPal Holdings, Inc. | $58.21 | $63.24 | +8.6% | Fairly valued |
Ally Financial at a glance
Ally Financial Inc. operates as a digital-first financial services provider, offering a comprehensive suite of products and services to individual consumers, commercial enterprises, and corporate clients.
- Market value
- $11.6B
- Sector
- Financial Services
- Industry
- Credit Services
- Consensus revenue growth, next fiscal year
- -25.2%
- Analysts with estimates
- 11
- Beta to the US market
- 1.01
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Ally Financial on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 24 Oct 2026 the model's fair value for ALLY was $58.84. As of 31 Oct 2026 it is $55.20, a change of -6.2%. The model does not yet explain moves on this valuation method. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Ally Financial's valuation
Is Ally Financial stock undervalued or overvalued?
Faircurve's model puts ALLY's fair value at $55.20 a share against a last close of $37.92, as of 31 Oct 2026. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What is ALLY's fair value?
$55.20 a share as of 31 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $43.19 to $69.26.
What price range does the model give ALLY?
$34.67 to $42.34 over 63 trading days. Ranges built this way held the price 60% of the time across 6,661 past valuations, refreshed 31 Oct 2026.
When does Ally Financial report earnings next?
The next report is scheduled for 20 Jan 2027. Companies can move their dates.
How much has ALLY moved on past earnings reports?
Across its last 8 reports the median two session move was 3.2%, ignoring direction. The largest was +10.3% around the report of 17 Apr 2026.
How confident is the model in this valuation?
The model's evidence grade for ALLY is low. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.
The model's own ideas on ALLY
The model holds no idea open on ALLY today. Signed-in readers see the rule each idea runs on, the floor and the exit level the model set and its time limit, and the model's closed ideas on ALLY with their outcomes. A free account is enough.