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Ally Financial Inc.
ALLYFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $12.15B | 7.0% | $850.78M | -$644.16M | N/A |
| 2027 | $12.64B | 7.0% | $884.81M | -$669.93M | -$609.03M |
| 2028 | $13.15B | 7.0% | $920.20M | -$696.73M | -$575.81M |
| 2029 | $13.67B | 7.0% | $957.01M | -$724.59M | -$544.40M |
| 2030 | $14.22B | 7.0% | $995.29M | -$753.58M | -$514.70M |
| 2031 | $14.79B | 7.0% | $1.04B | -$783.72M | -$486.63M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $2.37 | 2025-12-31 |
| EPS growth | +31.3% | Forecast years: 5 |
| Future EPS | $9.249 | EPS × (1 + G)^5 |
| Base P/E | 16.5 | P/E |
| Future price | $152.60 | Future EPS × P/E |
| Fair value today | $94.753 | PV @ 10.0% |
| 30% safety price | $66.327 | Margin of safety |
| 50% safety price | $47.376 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$65.123 | -$68.583 | -$73.302 |
| 10.0% | -$61.611 | -$64.163 | -$67.499 |
| 11.0% | -$58.84 | -$60.783 | -$63.244 |