Ally FinancialXSWX:ALLY 68 5-Year Yield-on-Cost % is 2.01 as of Jun. 25, 2026, which is 49% below its 10-year median of 3.91. 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 211 Credit Services companies, Ally Financial ranks worse than 55.45% on this metric.
Ally Financial's yield on cost for the quarter that ended in Mar. 2026 was 2.01.
The historical rank and industry rank for Ally Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
XSWX:ALLY'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.62 Med: 3.91 Max: 9.24
Current: 2.01
During the past 13 years, Ally Financial's highest Yield on Cost was 9.24. The lowest was 0.62. And the median was 3.91.
XSWX:ALLY's 5-Year Yield-on-Cost % is ranked worse than 55.45% of 211
companies
in the Credit Services industry
Industry Median: 4.69
vs XSWX:ALLY: 2.01
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Ally Financial 5-Year Yield-on-Cost % Related Terms
XSWX:ALLY vs FCFS, KLAR, OMF: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Ally Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Ally Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Ally Financial is calculated as
Ally Financial (XSWX:ALLY) has a 5-Year Yield-on-Cost % of 2.01 as of Jun. 25, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Ally Financial and its competitors. This is 49% below median its historical median of 3.91. Over the past decade, Ally Financial's 5-Year Yield-on-Cost % has ranged from 0.62 to 9.24. According to the industry distribution chart, Ally Financial ranks #117 out of 211 companies in the Credit Services industry, placing it in the top 55.5%.
Is Ally Financial's 5-Year Yield-on-Cost % too high?
Ally Financial's current 5-Year Yield-on-Cost % of 2.01 is 49% below median its 10-year median of 3.91. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 9.24. The Credit Services industry median 5-Year Yield-on-Cost % is 4.69. Ally Financial's value of 2.01 is 57.1% below this industry median. Based on the distribution chart, Ally Financial ranks #117 out of 211 companies in the Credit Services industry, which is below the industry midpoint. 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 5-Year Yield-on-Cost % compare to FCFS and KLAR?
According to the Credit Services industry distribution chart, Ally Financial ranks #117 out of 211 companies for 5-Year Yield-on-Cost %. This places Ally Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.69. Ally Financial's value of 2.01 is 57.1% below this benchmark. Historically, Ally Financial's own 5-Year Yield-on-Cost % has ranged from 0.62 to 9.24 over the past decade. While the company's 10-year median is 3.91 vs. the industry median of 4.69, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.69, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ally Financial's current 5-Year Yield-on-Cost % of 2.01 is 57.1% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Ally Financial and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current 5-Year Yield-on-Cost % is 2.01, which is 49% below median its own 10-year median of 3.91. 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 5-Year Yield-on-Cost % of 2.01. 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 5-Year Yield-on-Cost % is 2.01, which is 49% below median its 10-year median of 3.91 and 57.1% below the Credit Services industry median of 4.69. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Ally Financial (XSWX:ALLY), the current 5-Year Yield-on-Cost % is 2.01 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:
5-Year Yield-on-Cost %: 2.01 (49% below median its 10-year median of 3.91)
GF Value™: CHF31.58 vs. price of CHF37.15 (17.6% above fair value)
Industry Position: 57.1% below the Credit Services median (#117 of 211)
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
Get the complete analysis for XSWX:ALLY
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSWX:ALLY has been successfully added to your 