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Ally FinancialXSWX:ALLY 70 Shiller PE Ratio is 10.11 as of Aug. 11, 2026, which is 11% below its 10-year median of 11.42. GuruFocus rates XSWX:ALLY with a GF Score™ of 70/100 and a GF Value™ of CHF32.75. The stock has 6 warning signs investors should review. Among 330 Credit Services companies, Ally Financial ranks better than 65.15% on this metric.
As of today (2026-08-11), Ally Financial's current share price is CHF35.475. Ally Financial's E10 for the quarter that ended in Jun. 2026 was CHF3.51. Ally Financial's Shiller PE Ratio for today is 10.11.
The historical rank and industry rank for Ally Financial's Shiller PE Ratio or its related term are showing as below:
XSWX:ALLY'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.9 Med: 11.42 Max: 309.9
Current: 10.22
During the past years, Ally Financial's highest Shiller PE Ratio was 309.90. The lowest was 6.90. And the median was 11.42.
XSWX:ALLY's Shiller PE Ratio is ranked better than 65.15% of 330
companies
in the Credit Services industry
Industry Median: 14.16
vs XSWX:ALLY: 10.22
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Ally Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was CHF0.943. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is CHF3.51 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Ally Financial (XSWX:ALLY) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Ally Financial Shiller PE Ratio Related Terms
Ally Financial Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Ally Financial's Shiller PE 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, OMF, KLAR: Shiller PE Ratio Comparison
For the Credit Services subindustry, Ally Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller 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 Shiller PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Ally Financial's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
Ally Financial's Shiller PE Ratio for today is calculated as
* 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's E10 for the quarter that ended in Jun. 2026 is calculated as:
For example, Ally Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Ally Financial (XSWX:ALLY) has a Shiller PE Ratio of 10.11 as of Aug. 11, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Ally Financial and its competitors. This is 11% below median its historical median of 11.42. Over the past decade, Ally Financial's Shiller PE Ratio has ranged from 6.90 to 309.90. According to the industry distribution chart, Ally Financial ranks #115 out of 330 companies in the Credit Services industry, placing it in the top 34.8%.
Is Ally Financial's Shiller PE Ratio too high?
Ally Financial's current Shiller PE Ratio of 10.11 is 11% below median its 10-year median of 11.42. Over the past 10 years, this metric has ranged from a low of 6.90 to a high of 309.90. The Credit Services industry median Shiller PE Ratio is 14.16. Ally Financial's value of 10.11 is 28.6% below this industry median. Based on the distribution chart, Ally Financial ranks #115 out of 330 companies in the Credit Services industry, which is above the industry midpoint. Overall, Ally Financial has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's Shiller PE Ratio compare to FCFS and OMF?
According to the Credit Services industry distribution chart, Ally Financial ranks #115 out of 330 companies for Shiller PE Ratio. This puts Ally Financial in the upper half of its industry. The industry median Shiller PE Ratio is 14.16. Ally Financial's value of 10.11 is 28.6% below this benchmark. Historically, Ally Financial's own Shiller PE Ratio has ranged from 6.90 to 309.90 over the past decade. While the company's 10-year median is 11.42 vs. the industry median of 14.16, Ally Financial has consistently been below 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 Shiller PE Ratio for a Credit Services company?
The median Shiller PE Ratio among Credit Services companies is 14.16, based on 330 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ally Financial's current Shiller PE Ratio of 10.11 is 28.6% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Ally Financial and its competitors. For the Credit Services industry, the median Shiller PE Ratio is 14.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current Shiller PE Ratio is 10.11, which is 11% below median its own 10-year median of 11.42. 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 Shiller PE Ratio of 10.11. The stock's GF Value™ is CHF32.75, compared to a current price of CHF35.48 — trading 8.3% above its estimated fair value. The current Shiller PE Ratio is 10.11, which is 11% below median its 10-year median of 11.42 and 28.6% below the Credit Services industry median of 14.16. Ally Financial's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Ally Financial (XSWX:ALLY), the current Shiller PE Ratio is 10.11 as of Aug. 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 (XSWX:ALLY) Overvalued in 2026?
Based on GuruFocus' analysis, Ally Financial stock appears to be overvalued.
The current stock price of CHF35.48 is trading 8.3% above its estimated GF Value™ of CHF32.75.
Key valuation signals for XSWX:ALLY:
Shiller PE Ratio: 10.11 (11% below median its 10-year median of 11.42)
GF Value™: CHF32.75 vs. price of CHF35.48 (8.3% above fair value)
Industry Position: 28.6% below the Credit Services median (#115 of 330)
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.
70GF Score
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