Ally Financial (FRA:GMZ) Altman Z2-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

FRA:GMZ Ally Financial Inc FRA:GMZ
69 GF Score
Price €39.66
GF Value €33.96
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Ally Financial Altman Z2-Score?

Altman Z2-Score, also known as Z"-Score, is used to predict the likelihood that a non-manufacturing company (excluding property/financial company) will face bankruptcy within a two-year period.

Altman Z2-Score does not apply to banks and insurance companies.

FRA:GMZ
69GF Score
Ally Financial Inc FRA:GMZ
Altman Z2-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Ally Financial (FRA:GMZ) Overvalued in 2026?

Based on GuruFocus' analysis, Ally Financial stock appears to be overvalued. The current stock price of €39.66 is trading 16.8% above its estimated GF Value™ of €33.96. GuruFocus considers Ally Financial to be Modestly Overvalued.

Key valuation signals for FRA:GMZ:

  • Altman Z2-Score:
  • GF Value™: €33.96 vs. price of €39.66 (16.8% above fair value)
  • GF Score™: 69/100 with 8 warning signs

No single metric tells the full story. See the FRA:GMZ 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.
69GF Score

Get the complete analysis for FRA:GMZ

Altman Z2-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€39.66
Price
€33.96
GF Value