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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 +1.79%67 Earnings per Share (Diluted) is $4.24 as of Jun. 2026. GuruFocus rates ALLY with a GF Score™ of 67/100 and a GF Value™ of $40.58 (Fairly Valued). The stock has 6 warning signs investors should review. Among 432 Credit Services companies, Ally Financial ranks worse than 80.09% on this metric.
Ally Financial's EPS (Basic) for the
three
months ended in Jun. 2026 was $1.19.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Jun. 2026 was $4.29.
During the past 12 months, Ally Financial's average EPS without NRIGrowth Rate was 38.30% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -14.30% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was -10.00% per year.
During the past 13 years, Ally Financial's highest 3-Year average EPS without NRI Growth Rate was 37.10% per year. The lowest was -35.10% per year. And the median was 17.70% per year.
Ally Financial (NYSE:ALLY) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Ally Financial Earnings per Share (Diluted) Related Terms
Ally Financial Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for Ally Financial's Earnings per Share (Diluted) 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 vs FCFS, OMF, KLAR: Earnings per Share (Diluted) Comparison
For the Credit Services subindustry, Ally Financial's PE Ratio, along with its competitors' market caps and 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 PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's PE Ratio distribution charts can be found below:
* The bar in red indicates where Ally Financial's PE Ratio falls into.
Ally Financial Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Ally Financial's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.24
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $4.24 mean?
Ally Financial (ALLY) has a Earnings per Share (Diluted) of $4.24 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Ally Financial and its competitors. According to the industry distribution chart, Ally Financial ranks #346 out of 432 companies in the Credit Services industry, placing it in the top 80.1%.
Is Ally Financial's Earnings per Share (Diluted) too high?
Ally Financial's current Earnings per Share (Diluted) is $4.24. The Credit Services industry median Earnings per Share (Diluted) is 11.40. Ally Financial's value of $4.24 is 62.8% below this industry median. Based on the distribution chart, Ally Financial ranks #346 out of 432 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 Earnings per Share (Diluted) compare to FCFS and OMF?
According to the Credit Services industry distribution chart, Ally Financial ranks #346 out of 432 companies for Earnings per Share (Diluted). This places Ally Financial in the lower half of its industry. The industry median Earnings per Share (Diluted) is 11.40. Ally Financial's value of $4.24 is 62.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Credit Services company?
The median Earnings per Share (Diluted) among Credit Services companies is 11.40, based on 432 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ally Financial's current Earnings per Share (Diluted) of $4.24 is 62.8% below 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Ally Financial and its competitors. For the Credit Services industry, the median Earnings per Share (Diluted) is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current Earnings per Share (Diluted) is $4.24. 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 $40.58, compared to a current price of $44.11 — trading 8.7% above its estimated fair value. The current Earnings per Share (Diluted) is $4.24 and 62.8% below the Credit Services industry median of 11.40. 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 Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Ally Financial (ALLY), the current Earnings per Share (Diluted) is $4.24 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 $44.11 is trading 8.7% above its estimated GF Value™ of $40.58.
GuruFocus considers Ally Financial to be Fairly Valued.
Key valuation signals for ALLY:
Earnings per Share (Diluted): $4.24
GF Value™: $40.58 vs. price of $44.11 (8.7% above fair value)
Industry Position: 62.8% below the Credit Services median (#346 of 432)
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
Get the complete analysis for ALLY
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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