Ally FinancialSTU:GMZ +1.40%68 EV-to-FCF is 4,606.02 as of Jul. 11, 2026, which is 46662% above its 10-year median of 9.85. GuruFocus rates STU:GMZ with a GF Score™ of 68/100 and a GF Value™ of €33.85 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 264 Credit Services companies, Ally Financial ranks worse than 378787.5% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Ally Financial's Enterprise Value is €24,384 Mil.
Ally Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €5 Mil. Therefore, Ally Financial's EV-to-FCF for today is 4,606.02.
The historical rank and industry rank for Ally Financial's EV-to-FCF or its related term are showing as below:
STU:GMZ'
s EV-to-FCF Range Over the Past 10 Years
Min: -28650.54 Med: 9.85 Max: 2373.2
Current: -27850.39
During the past 13 years, the highest EV-to-FCF of Ally Financial was 2373.20. The lowest was -28650.54. And the median was 9.85.
STU:GMZ's EV-to-FCF is ranked worse than 100% of 264
companies
in the Credit Services industry
Industry Median: 13.28
vs STU:GMZ: -27850.39
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Ally Financial's PE Ratio (TTM) for today is calculated as:
Ally Financial's share price for today is €39.93.
Ally Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €3.522.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Ally Financial EV-to-FCF Related Terms
Ally Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Ally Financial's EV-to-FCF 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.
For the Credit Services subindustry, Ally Financial's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Ally Financial's EV-to-FCF falls into.
Ally Financial's current Enterprise Value is €24,384 Mil.
Ally Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €5 Mil.
* 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 (STU:GMZ) has a EV-to-FCF of 4,606.02 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ally Financial and its competitors. This is 46662% above median its historical median of 9.85. According to the industry distribution chart, Ally Financial ranks #999999 out of 264 companies in the Credit Services industry.
Is Ally Financial's EV-to-FCF too high?
Ally Financial's current EV-to-FCF of 4,606.02 is 46662% above median its 10-year median of 9.85. The Credit Services industry median EV-to-FCF is 13.28. Ally Financial's value of 4,606.02 is 34583.9% above this industry median. Based on the distribution chart, Ally Financial ranks #999999 out of 264 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Ally Financial has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's EV-to-FCF compare to FCFS and KLAR?
According to the Credit Services industry distribution chart, Ally Financial ranks #999999 out of 264 companies for EV-to-FCF. This places Ally Financial in the lower half of its industry. The industry median EV-to-FCF is 13.28. Ally Financial's value of 4,606.02 is 34583.9% above this benchmark. While the company's 10-year median is 9.85 vs. the industry median of 13.28, Ally Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.28, based on 264 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ally Financial's current EV-to-FCF of 4,606.02 is 34583.9% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ally Financial and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current EV-to-FCF is 4,606.02, which is 46662% above median its own 10-year median of 9.85. 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 (STU:GMZ) is currently considered Modestly Overvalued. The stock's GF Value™ is €33.85, compared to a current price of €39.93 — trading 18% above its estimated fair value. The current EV-to-FCF is 4,606.02, which is 46662% above median its 10-year median of 9.85 and 34583.9% above the Credit Services industry median of 13.28. Ally Financial's overall GF Score™ is 68/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Ally Financial (STU:GMZ), the current EV-to-FCF is 4,606.02 as of Jul. 11, 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 (STU:GMZ) Overvalued in 2026?
Based on GuruFocus' analysis, Ally Financial stock appears to be overvalued.
The current stock price of €39.93 is trading 18% above its estimated GF Value™ of €33.85.
GuruFocus considers Ally Financial to be Modestly Overvalued.
Key valuation signals for STU:GMZ:
EV-to-FCF: 4,606.02 (46662% above median its 10-year median of 9.85)
GF Value™: €33.85 vs. price of €39.93 (18% above fair value)
Industry Position: 34583.9% above the Credit Services median (#999999 of 264)
No single metric tells the full story. See the STU:GMZ 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.
68GF Score
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