Ally Financial (MEX:ALLY1) E10: MXN69.83 (As of Mar. 2026)


MEX:ALLY1 Ally Financial Inc MEX:ALLY1
63 GF Score
Price MXN806.00
GF Value MXN673.75
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Ally Financial E10?

Ally Financial MEX:ALLY1 +9.20% 63 E10 is MXN69.83 as of Mar. 2026. GuruFocus rates MEX:ALLY1 with a GF Score™ of 63/100 and a GF Value™ of MXN673.75 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Ally Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was MXN16.770. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is MXN69.83 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Ally Financial's average E10 Growth Rate was 30.20% per year. During the past 3 years, the average E10 Growth Rate was 12.20% per year. During the past 5 years, the average E10 Growth Rate was 22.50% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Ally Financial was 89.20% per year. The lowest was 11.90% per year. And the median was 25.85% per year.

As of today (2026-06-26), Ally Financial's current stock price is MXN806.00. Ally Financial's E10 for the quarter that ended in Mar. 2026 was MXN69.83. Ally Financial's Shiller PE Ratio of today is 11.54.

During the past 13 years, the highest Shiller PE Ratio of Ally Financial was 309.90. The lowest was 6.90. And the median was 11.51.


Ally Financial  (MEX:ALLY1) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Ally Financial's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=806.00/69.83
=11.54

* 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 Shiller P/E Ratio of Ally Financial was 309.90. The lowest was 6.90. And the median was 11.51.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Ally Financial E10 Related Terms


Ally Financial E10 Historical Data

* Premium members only.

The historical data trend for Ally Financial's E10 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 E10 Chart

Ally Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 50.94 56.77 57.28 74.58 65.34

Ally Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 67.07 63.11 70.50 65.34 69.83

MEX:ALLY1 vs FCFS, KLAR, OMF: E10 Comparison

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

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

* The bar in red indicates where Ally Financial's Shiller PE Ratio falls into.


MEX:ALLY1
63GF Score
Ally Financial Inc MEX:ALLY1
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ally Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=16.77/330.2130*330.2130
=16.770

Current CPI (Mar. 2026) = 330.2130.

Ally Financial Quarterly Data

per share eps CPI Adj_EPS
201606 13.130 241.018 17.989
201609 8.314 241.428 11.371
201612 10.721 241.432 14.663
201703 8.661 243.801 11.731
201706 9.942 244.955 13.402
201709 11.433 246.819 15.296
201712 8.052 246.524 10.785
201803 10.356 249.554 13.703
201806 15.916 251.989 20.857
201809 16.460 252.439 21.531
201812 13.744 251.233 18.065
201903 17.846 254.202 23.182
201906 28.045 256.143 36.155
201909 19.150 256.759 24.628
201912 18.671 256.974 23.992
202003 -19.931 258.115 -25.498
202006 14.773 257.797 18.923
202009 27.835 260.280 35.314
202012 36.203 260.474 45.896
202103 43.131 264.877 53.770
202106 47.973 271.696 58.305
202109 38.862 274.310 46.782
202112 36.720 278.802 43.491
202203 37.034 287.504 42.535
202206 28.165 296.311 31.387
202209 17.701 296.808 19.693
202212 16.182 296.797 18.004
202303 17.304 301.836 18.931
202306 16.972 305.109 18.368
202309 15.329 307.789 16.446
202312 2.716 306.746 2.924
202403 6.307 312.332 6.668
202406 11.358 314.175 11.938
202409 10.830 315.301 11.342
202412 5.422 315.605 5.673
202503 -16.776 319.799 -17.322
202506 19.582 322.561 20.047
202509 21.646 324.800 22.007
202512 17.105 324.054 17.430
202603 16.770 330.213 16.770

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of MXN69.83 mean?
Ally Financial (MEX:ALLY1) has a E10 of MXN69.83 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Ally Financial and its competitors.
Is Ally Financial's E10 too high?
Ally Financial's current E10 is MXN69.83. Overall, Ally Financial has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's E10 compare to FCFS and KLAR?
Ally Financial's E10 of MXN69.83 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 E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Ally Financial and its competitors. Ally Financial's current E10 is MXN69.83. 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 MXN673.75, compared to a current price of MXN806.00 — trading 19.6% above its estimated fair value. The current E10 is MXN69.83. Ally Financial's overall GF Score™ is 63/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Ally Financial (MEX:ALLY1), the current E10 is MXN69.83 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 19.6% above its estimated GF Value™ of MXN673.75. GuruFocus considers Ally Financial to be Modestly Overvalued.

Key valuation signals for MEX:ALLY1:

  • E10: MXN69.83
  • GF Value™: MXN673.75 vs. price of MXN806.00 (19.6% above fair value)
  • GF Score™: 63/100 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.
63GF Score

Get the complete analysis for MEX:ALLY1

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN806.00
Price
MXN673.75
GF Value