Ally FinancialXSWX:ALLY +1.01%68 PEG Ratio is 53.27 as of Jun. 25, 2026, which is 3090% above its 10-year median of 1.67. 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 236 Credit Services companies, Ally Financial ranks worse than 98.31% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Ally Financial's PEG Ratio or its related term are showing as below:
XSWX:ALLY'
s PEG Ratio Range Over the Past 10 Years
Min: 0.46 Med: 1.67 Max: 52.15
Current: 52.15
During the past 13 years, Ally Financial's highest PEG Ratio was 52.15. The lowest was 0.46. And the median was 1.67.
XSWX:ALLY's PEG Ratio is ranked worse than 98.31% of 236
companies
in the Credit Services industry
Industry Median: 0.86
vs XSWX:ALLY: 52.15
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Ally Financial (XSWX:ALLY) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Ally Financial PEG Ratio Related Terms
Ally Financial PEG Ratio Historical Data
* Premium members only.
The historical data trend for Ally Financial's PEG Ratio 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.
XSWX:ALLY vs FCFS, KLAR, OMF: PEG Ratio Comparison
For the Credit Services subindustry, Ally Financial's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Ally Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Ally Financial (XSWX:ALLY) has a PEG Ratio of 53.27 as of Jun. 25, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Ally Financial and its competitors. This is 3090% above median its historical median of 1.67. Over the past decade, Ally Financial's PEG Ratio has ranged from 0.46 to 52.15. According to the industry distribution chart, Ally Financial ranks #232 out of 236 companies in the Credit Services industry, placing it in the top 98.3%.
Is Ally Financial's PEG Ratio too high?
Ally Financial's current PEG Ratio of 53.27 is 3090% above median its 10-year median of 1.67. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 52.15. The Credit Services industry median PEG Ratio is 0.86. Ally Financial's value of 53.27 is 6094.2% above this industry median. Based on the distribution chart, Ally Financial ranks #232 out of 236 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, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's PEG Ratio compare to FCFS and KLAR?
According to the Credit Services industry distribution chart, Ally Financial ranks #232 out of 236 companies for PEG Ratio. This places Ally Financial in the lower half of its industry. The industry median PEG Ratio is 0.86. Ally Financial's value of 53.27 is 6094.2% above this benchmark. Historically, Ally Financial's own PEG Ratio has ranged from 0.46 to 52.15 over the past decade. While the company's 10-year median is 1.67 vs. the industry median of 0.86, 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.86, based on 236 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ally Financial's current PEG Ratio of 53.27 is 6094.2% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Ally Financial and its competitors. For the Credit Services industry, the median PEG Ratio is 0.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current PEG Ratio is 53.27, which is 3090% above median its own 10-year median of 1.67. 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 PEG Ratio of 53.27. 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 PEG Ratio is 53.27, which is 3090% above median its 10-year median of 1.67 and 6094.2% above the Credit Services industry median of 0.86. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Ally Financial (XSWX:ALLY), the current PEG Ratio is 53.27 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:
PEG Ratio: 53.27 (3090% above median its 10-year median of 1.67)
GF Value™: CHF31.58 vs. price of CHF37.15 (17.6% above fair value)
Industry Position: 6094.2% above the Credit Services median (#232 of 236)
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.
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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