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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Ally FinancialALLY +0.96%67 3-Year EPS without NRI Growth Rate is -14.30% as of Jun. 2026. GuruFocus rates ALLY with a GF Score™ of 67/100 and a GF Value™ of $40.59 (Fairly Valued). The stock has 6 warning signs investors should review. Among 434 Credit Services companies, Ally Financial ranks worse than 80.18% on this metric.
During the past 12 months, Ally Financial's average EPS without NRI Growth Rate was 39.10% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -14.30% per year.
During the past 5 years, the average EPS without NRI Growth Rate was -10.00% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Ally Financial was 37.10% per year. The lowest was -35.10% per year. And the median was 17.70% per year.
Ally Financial (NYSE:ALLY) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Ally Financial 3-Year EPS without NRI Growth Rate Related Terms
ALLY vs FCFS, OMF, KLAR: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Ally Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Ally Financial's 3-Year EPS without NRI Growth Rate falls into.
Ally Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -14.30% mean?
Ally Financial (ALLY) has a 3-Year EPS without NRI Growth Rate of -14.30% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Ally Financial and its competitors. According to the industry distribution chart, Ally Financial ranks #348 out of 434 companies in the Credit Services industry, placing it in the top 80.2%.
Is Ally Financial's 3-Year EPS without NRI Growth Rate too high?
Ally Financial's current 3-Year EPS without NRI Growth Rate is -14.30%. Based on the distribution chart, Ally Financial ranks #348 out of 434 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Ally Financial has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's 3-Year EPS without NRI Growth Rate compare to FCFS and OMF?
According to the Credit Services industry distribution chart, Ally Financial ranks #348 out of 434 companies for 3-Year EPS without NRI Growth Rate. This places Ally Financial in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 434 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Ally Financial and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current 3-Year EPS without NRI Growth Rate is -14.30%. 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 $40.59, compared to a current price of $42.95 — trading 5.8% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -14.30%. Ally Financial's overall GF Score™ is 67/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Ally Financial (ALLY), the current 3-Year EPS without NRI Growth Rate is -14.30% 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 $42.95 is trading 5.8% above its estimated GF Value™ of $40.59.
GuruFocus considers Ally Financial to be Fairly Valued.
Key valuation signals for ALLY:
3-Year EPS without NRI Growth Rate: -14.30%
GF Value™: $40.59 vs. price of $42.95 (5.8% above fair value)
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.
67GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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