Ally Financial (MEX:ALLY1) Cyclically Adjusted Book per Share: MXN765.48 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
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MEX:ALLY1 Ally Financial Inc MEX:ALLY1
62 GF Score
Price MXN806.00
GF Value MXN763.00
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Ally Financial Cyclically Adjusted Book per Share?

Ally Financial MEX:ALLY1 62 Cyclically Adjusted Book per Share is MXN765.48 as of Jun. 2026. GuruFocus rates MEX:ALLY1 with a GF Score™ of 62/100 and a GF Value™ of MXN763.00 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Ally Financial's adjusted book value per share for the three months ended in Jun. 2026 was MXN774.351. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is MXN765.48 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Ally Financial's average Cyclically Adjusted Book Growth Rate was -100.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 3.00% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 4.40% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Ally Financial was 5.70% per year. The lowest was 2.90% per year. And the median was 3.90% per year.

As of today (2026-07-25), Ally Financial's current stock price is MXN806.00. Ally Financial's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was MXN765.48. Ally Financial's Cyclically Adjusted PB Ratio of today is 1.05.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Ally Financial was 1.62. The lowest was 0.36. And the median was 0.91.


Ally Financial  (MEX:ALLY1) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Ally Financial's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=806.00/765.48
=1.05

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Ally Financial was 1.62. The lowest was 0.36. And the median was 0.91.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Ally Financial Cyclically Adjusted Book per Share Related Terms


Ally Financial Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Ally Financial's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Ally Financial Cyclically Adjusted Book per Share Chart

Ally Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 755.22 751.69 668.90 886.72 668.97

Ally Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 714.48 787.69 668.97 711.83 765.48

MEX:ALLY1 vs FCFS, KLAR, OMF: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Ally Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Ally Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Ally Financial's Cyclically Adjusted PB Ratio falls into.


MEX:ALLY1
62GF Score
Ally Financial Inc MEX:ALLY1
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ally Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Ally Financial's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=774.351/333.9520*333.9520
=774.351

Current CPI (Jun. 2026) = 333.9520.

Ally Financial Quarterly Data

Book Value per Share CPI Adj_Book
201609 554.279 241.428 766.699
201612 587.916 241.432 813.213
201703 544.469 243.801 745.799
201706 538.453 244.955 734.084
201709 555.036 246.819 750.977
201712 606.368 246.524 821.412
201803 549.280 249.554 735.044
201806 606.397 251.989 803.636
201809 587.519 252.439 777.230
201812 643.411 251.233 855.255
201903 664.730 254.202 873.274
201906 700.133 256.143 912.814
201909 743.820 256.759 967.445
201912 726.323 256.974 943.897
202003 849.496 258.115 1,099.087
202006 853.669 257.797 1,105.849
202009 834.697 260.280 1,070.957
202012 780.604 260.474 1,000.807
202103 804.050 264.877 1,013.731
202106 839.543 271.696 1,031.915
202109 880.181 274.310 1,071.555
202112 893.911 278.802 1,070.736
202203 796.243 287.504 924.881
202206 749.968 296.311 845.238
202209 677.119 296.808 761.857
202212 686.181 296.797 772.082
202303 662.349 301.836 732.824
202306 637.058 305.109 697.281
202309 606.425 307.789 657.973
202312 638.599 306.746 695.238
202403 618.747 312.332 661.577
202406 693.162 314.175 736.796
202409 801.337 315.301 848.738
202412 791.194 315.605 837.188
202503 793.146 319.799 828.247
202506 747.755 322.561 774.161
202509 762.365 324.800 783.846
202512 768.922 324.054 792.408
202603 779.304 330.213 788.128
202606 774.351 333.952 774.351

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of MXN765.48 mean?
Ally Financial (MEX:ALLY1) has a Cyclically Adjusted Book per Share of MXN765.48 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Ally Financial and its competitors.
Is Ally Financial's Cyclically Adjusted Book per Share too high?
Ally Financial's current Cyclically Adjusted Book per Share is MXN765.48. Overall, Ally Financial has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's Cyclically Adjusted Book per Share compare to FCFS and KLAR?
Ally Financial's Cyclically Adjusted Book per Share of MXN765.48 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Ally Financial and its competitors. Ally Financial's current Cyclically Adjusted Book per Share is MXN765.48. 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 (MEX:ALLY1) is currently considered Modestly Overvalued. The stock's GF Value™ is MXN763.00, compared to a current price of MXN806.00 — trading 5.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is MXN765.48. Ally Financial's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Ally Financial (MEX:ALLY1), the current Cyclically Adjusted Book per Share is MXN765.48 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 (MEX:ALLY1) Overvalued in 2026?

Based on GuruFocus' analysis, Ally Financial stock appears to be overvalued. The current stock price of MXN806.00 is trading 5.6% above its estimated GF Value™ of MXN763.00. GuruFocus considers Ally Financial to be Modestly Overvalued.

Key valuation signals for MEX:ALLY1:

  • Cyclically Adjusted Book per Share: MXN765.48
  • GF Value™: MXN763.00 vs. price of MXN806.00 (5.6% above fair value)
  • GF Score™: 62/100 with 6 warning signs

No single metric tells the full story. See the MEX:ALLY1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Ally Financial Business Description

Other Exchanges ALLY:USA0HD0:UKGMZ:Germany
Address 500 Woodward Avenue, Floor 10, Ally Detroit Center, Detroit, MI, USA, 48226
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.
62GF Score

Get the complete analysis for MEX:ALLY1

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN806.00
Price
MXN763.00
GF Value