Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-08-03), Ally Financial's 12-1 Month Momentum % is 21.40%.
The industry rank for Ally Financial's 12-1 Month Momentum % or its related term are showing as below:
ALLY's 12-1 Month Momentum % is ranked better than 76.06% of 564
companies
in the Credit Services industry
Industry Median: -6.77
vs ALLY: 21.40
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Ally Financial 12-1 Month Momentum % Related Terms
ALLY vs FCFS, OMF, KLAR: 12-1 Month Momentum % Comparison
For the Credit Services subindustry, Ally Financial's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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 12-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Ally Financial's 12-1 Month Momentum % falls into.
* 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 (ALLY) has a 12-1 Month Momentum % of 21.40% as of Aug. 03, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Ally Financial and its competitors. According to the industry distribution chart, Ally Financial ranks #135 out of 564 companies in the Credit Services industry, placing it in the top 23.9%.
Is Ally Financial's 12-1 Month Momentum % too high?
Ally Financial's current 12-1 Month Momentum % is 21.40%. Based on the distribution chart, Ally Financial ranks #135 out of 564 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 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's 12-1 Month Momentum % compare to FCFS and OMF?
According to the Credit Services industry distribution chart, Ally Financial ranks #135 out of 564 companies for 12-1 Month Momentum %. This places Ally Financial in the top 24% 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 12-1 Month Momentum % for a Credit Services company?
A good 12-1 Month Momentum % depends on the Credit Services industry context. However, 12-1 Month Momentum % 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Ally Financial and its competitors. Ally Financial's current 12-1 Month Momentum % is 21.40%. 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 12-1 Month Momentum % is 21.40%. 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 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For Ally Financial (ALLY), the current 12-1 Month Momentum % is 21.40% as of Aug. 03, 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:
12-1 Month Momentum %: 21.40%
GF Value™: $40.58 vs. price of $44.11 (8.7% 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
Get the complete analysis for ALLY
12-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ALLY has been successfully added to your 
