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During the past 12 months, Ally Financial's average Book Value per Share Growth Rate was 11.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 6.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 0.20% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 4.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Ally Financial was 14.90% per year. The lowest was -15.90% per year. And the median was -0.95% per year.
Ally Financial (NYSE:ALLY) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Ally Financial 3-Year Book Growth Rate Related Terms
ALLY vs FCFS, OMF, CACC: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Ally Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ally Financial 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Ally Financial's 3-Year Book Growth Rate falls into.
Ally Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 6.70% mean?
Ally Financial (ALLY) has a 3-Year Book Growth Rate of 6.70% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Ally Financial and its competitors. According to the industry distribution chart, Ally Financial ranks #236 out of 514 companies in the Credit Services industry, placing it in the top 45.9%.
Is Ally Financial's 3-Year Book Growth Rate too high?
Ally Financial's current 3-Year Book Growth Rate is 6.70%. The Credit Services industry median 3-Year Book Growth Rate is 6.00. Ally Financial's value of 6.70% is 11.7% above this industry median. Based on the distribution chart, Ally Financial ranks #236 out of 514 companies in the Credit Services industry, which is above the industry midpoint. Overall, Ally Financial has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's 3-Year Book Growth Rate compare to FCFS and OMF?
According to the Credit Services industry distribution chart, Ally Financial ranks #236 out of 514 companies for 3-Year Book Growth Rate. This puts Ally Financial in the upper half of its industry. The industry median 3-Year Book Growth Rate is 6.00. Ally Financial's value of 6.70% is 11.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.00, based on 514 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ally Financial's current 3-Year Book Growth Rate of 6.70% is 11.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Ally Financial and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current 3-Year Book Growth Rate is 6.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ally Financial stock overvalued right now?
Based on GuruFocus' analysis, Ally Financial (ALLY) is currently considered Fairly Valued. The stock's GF Value™ is $40.47, compared to a current price of $43.73 — trading 8.1% above its estimated fair value. The current 3-Year Book Growth Rate is 6.70% and 11.7% above the Credit Services industry median of 6.00. Ally Financial's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Ally Financial (ALLY), the current 3-Year Book Growth Rate is 6.70% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ally Financial (ALLY) Overvalued in 2026?
Based on GuruFocus' analysis, Ally Financial stock appears to be overvalued.
The current stock price of $43.73 is trading 8.1% above its estimated GF Value™ of $40.47.
GuruFocus considers Ally Financial to be Fairly Valued.
Key valuation signals for ALLY:
3-Year Book Growth Rate: 6.70%
GF Value™: $40.47 vs. price of $43.73 (8.1% above fair value)
Industry Position: 11.7% above the Credit Services median (#236 of 514)
No single metric tells the full story. See the ALLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Formerly the captive financial arm of General Motors, Ally Financial became an independent publicly traded firm in 2014 and is one of the largest consumer auto lenders in the country. While the firm has expanded its product offerings over time, it remains primarily focused on auto lending, with more than 70% of its loan book in consumer auto loans and dealer financing. Ally also offers auto insurance, commercial loans, credit cards, and holds a portfolio of mortgage debt, giving the bank a diversified business model that includes brokerage services.
69GF Score
Get the complete analysis for ALLY
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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