Ally Financial (XSWX:ALLY) Moat Score: 5/10 (As of Jun. 25, 2026)


XSWX:ALLY Ally Financial Inc XSWX:ALLY
68 GF Score
Price CHF37.15
GF Value CHF31.58
! 8 Warning Signs
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What is Ally Financial Moat Score?

Ally Financial XSWX:ALLY +1.01% 68 Moat Score is 5 as of Jun. 25, 2026. GuruFocus rates XSWX:ALLY with a GF Score™ of 68/100 and a GF Value™ of CHF31.58. The stock has 8 warning signs investors should review. Among 567 Credit Services companies, Ally Financial ranks better than 97.53% on this metric.

Ally Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Ally Financial has Narrow Moat: Ally Financial Inc benefits from a solid narrow moat due to its strong brand in digital banking and auto financing. It has a significant customer base and some pricing power, but faces competition from larger financial institutions, limiting its ability to achieve a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Ally Financial might have Narrow Moat - Solid narrow moat.

Ally Financial  (XSWX:ALLY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Ally Financial Moat Score Related Terms

XSWX:ALLY vs FCFS, KLAR, OMF: Moat Score Comparison

For the Credit Services subindustry, Ally Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Ally Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Ally Financial's Moat Score falls into.


XSWX:ALLY
68GF Score
Ally Financial Inc XSWX:ALLY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Ally Financial (XSWX:ALLY) has a Moat Score of 5 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Ally Financial ranks #14 out of 567 companies in the Credit Services industry, placing it in the top 2.5%.
Is Ally Financial's Moat Score too high?
Ally Financial's current Moat Score is 5. Based on the distribution chart, Ally Financial ranks #14 out of 567 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Ally Financial has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's Moat Score compare to FCFS and KLAR?
According to the Credit Services industry distribution chart, Ally Financial ranks #14 out of 567 companies for Moat Score. This places Ally Financial in the top 3% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Ally Financial's current Moat Score is 5. 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?
Ally Financial (XSWX:ALLY) has a current Moat Score of 5. The stock's GF Value™ is CHF31.58, compared to a current price of CHF37.15 — trading 17.6% above its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Ally Financial (XSWX:ALLY), the current Moat Score is 5 as of Jun. 25, 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 (XSWX:ALLY) Overvalued in 2026?

Based on GuruFocus' analysis, Ally Financial stock appears to be overvalued. The current stock price of CHF37.15 is trading 17.6% above its estimated GF Value™ of CHF31.58.

Key valuation signals for XSWX:ALLY:

  • Moat Score: 5
  • GF Value™: CHF31.58 vs. price of CHF37.15 (17.6% above fair value)
  • GF Score™: 68/100 with 8 warning signs

No single metric tells the full story. See the XSWX:ALLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ally Financial Business Description

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.
68GF Score

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

CHF37.15
Price
CHF31.58
GF Value