Ally Financial (MEX:ALLY1) Cyclically Adjusted FCF per Share: MXN30.11 (As of Mar. 2026)


MEX:ALLY1 Ally Financial Inc MEX:ALLY1
60 GF Score
Price MXN806.00
GF Value MXN628.49
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Ally Financial Cyclically Adjusted FCF per Share?

Ally Financial MEX:ALLY1 60 Cyclically Adjusted FCF per Share is MXN30.11 as of Mar. 2026. GuruFocus rates MEX:ALLY1 with a GF Score™ of 60/100 and a GF Value™ of MXN628.49 (Modestly Overvalued). The stock has 8 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Ally Financial's adjusted free cash flow per share for the three months ended in Mar. 2026 was MXN38.343. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is MXN30.11 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Ally Financial's average Cyclically Adjusted FCF Growth Rate was -22.60% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Ally Financial was 55.10% per year. The lowest was 55.10% per year. And the median was 55.10% per year.

As of today (2026-07-11), Ally Financial's current stock price is MXN806.00. Ally Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was MXN30.11. Ally Financial's Cyclically Adjusted Price-to-FCF of today is 26.77.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Ally Financial was 102.87. The lowest was 4.47. And the median was 18.38.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Ally Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=806.00/30.11
=26.77

* 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 Price-to-FCF of Ally Financial was 102.87. The lowest was 4.47. And the median was 18.38.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Ally Financial Cyclically Adjusted FCF per Share Related Terms


Ally Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Ally Financial's Cyclically Adjusted FCF 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 FCF per Share Chart

Ally Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only -84.63 -53.26 -3.04 42.40 27.18

Ally Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF 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 48.65 37.04 33.00 27.18 30.11

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

For the Credit Services subindustry, Ally Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Ally Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Ally Financial's Cyclically Adjusted Price-to-FCF falls into.


MEX:ALLY1
60GF Score
Ally Financial Inc MEX:ALLY1
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ally Financial Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=38.343/330.2130*330.2130
=38.343

Current CPI (Mar. 2026) = 330.2130.

Ally Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 17.616 241.018 24.135
201609 10.596 241.428 14.493
201612 2.781 241.432 3.804
201703 11.374 243.801 15.405
201706 -6.973 244.955 -9.400
201709 17.059 246.819 22.823
201712 -22.162 246.524 -29.685
201803 5.298 249.554 7.010
201806 -10.266 251.989 -13.453
201809 19.859 252.439 25.977
201812 4.168 251.233 5.478
201903 13.809 254.202 17.938
201906 -10.279 256.143 -13.251
201909 6.084 256.759 7.825
201912 -8.317 256.974 -10.687
202003 -20.220 258.115 -25.868
202006 -28.441 257.797 -36.430
202009 9.668 260.280 12.266
202012 2.155 260.474 2.732
202103 -5.360 264.877 -6.682
202106 -69.639 271.696 -84.638
202109 14.547 274.310 17.512
202112 4.121 278.802 4.881
202203 40.964 287.504 47.049
202206 60.721 296.311 67.668
202209 36.392 296.808 40.488
202212 30.960 296.797 34.446
202303 41.046 301.836 44.905
202306 46.596 305.109 50.430
202309 56.241 307.789 60.338
202312 -39.179 306.746 -42.176
202403 29.972 312.332 31.688
202406 32.752 314.175 34.424
202409 -4.874 315.301 -5.105
202412 2.278 315.605 2.383
202503 8.011 319.799 8.272
202506 -8.076 322.561 -8.268
202509 -16.484 324.800 -16.759
202512 -14.381 324.054 -14.654
202603 38.343 330.213 38.343

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of MXN30.11 mean?
Ally Financial (MEX:ALLY1) has a Cyclically Adjusted FCF per Share of MXN30.11 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Ally Financial and its competitors.
Is Ally Financial's Cyclically Adjusted FCF per Share too high?
Ally Financial's current Cyclically Adjusted FCF per Share is MXN30.11. Overall, Ally Financial has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's Cyclically Adjusted FCF per Share compare to FCFS and KLAR?
Ally Financial's Cyclically Adjusted FCF per Share of MXN30.11 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 FCF per Share for a Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Ally Financial and its competitors. Ally Financial's current Cyclically Adjusted FCF per Share is MXN30.11. 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 MXN628.49, compared to a current price of MXN806.00 — trading 28.2% above its estimated fair value. The current Cyclically Adjusted FCF per Share is MXN30.11. Ally Financial's overall GF Score™ is 60/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Ally Financial (MEX:ALLY1), the current Cyclically Adjusted FCF per Share is MXN30.11 as of Mar. 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 28.2% above its estimated GF Value™ of MXN628.49. GuruFocus considers Ally Financial to be Modestly Overvalued.

Key valuation signals for MEX:ALLY1:

  • Cyclically Adjusted FCF per Share: MXN30.11
  • GF Value™: MXN628.49 vs. price of MXN806.00 (28.2% above fair value)
  • GF Score™: 60/100 with 8 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.
60GF Score

Get the complete analysis for MEX:ALLY1

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

MXN806.00
Price
MXN628.49
GF Value