Ally Financial Inc.
0.84xPrice / tangible book
Market cap
$12.86B
Tangible equity (USD)
$15.31B
Price / tangible book
0.84x
Price / book
0.83x
Net income / ending equity
5.5%
Net income / ending assets
0.4%
Efficiency ratio
68.1%
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
FY 2025 ·
Decision snapshot: ALLY stock price at premium vs SYF $42.28 current versus $20.08 implied using P/E multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at SYF's multiple
Implied fair value · at ALLY's multiple
Snapshot Sep 8, 2026, 4:00 PM ET
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Multiple discount
Lower is better
Profitability lag
Asset efficiency lag
Lower is better
Statements
Reported bank earnings and balances, with each company’s reporting period shown.
Values retain reported currencies and share bases. Select a figure to inspect its period, calculation and filing inputs. Differences require compatible units and periods.
Explore enterprise value and market valuation multiples in the valuation sections.
Trendline
Eight period-end years of reported revenue, earnings, and margins. Periods and currencies are shown with the data.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / tangible book
Market cap
$12.86B
Tangible equity (USD)
$15.31B
Price / tangible book
0.84x
Price / book
0.83x
Net income / ending equity
5.5%
Net income / ending assets
0.4%
Efficiency ratio
68.1%
Price / book
Market cap
$25.58B
Tangible equity (USD)
—
Price / tangible book
—
Price / book
1.53x
Net income / ending equity
21.2%
Net income / ending assets
3.0%
Efficiency ratio
—
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
Ally Financial Inc. · implied price per share
Five annual free-cash-flow observations are required for the filing-backed baseline.
Synchrony Financial · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Inspect reported liquidity and leverage alongside historical financial-health checks.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Cash excludes investments. EBITDA is an operating-income-plus-D&A proxy. Missing borrowing categories remain unavailable; select a value to inspect its inputs.
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
LLM-powered synthesis
An explanation of the financial evidence. Check its snapshot date against the figures above.
This explanation uses an earlier data snapshot or evidence version. Review its generation date and the current figures, or refresh after signing in.
If you believe ALLY’s DCF valuation and historical trading band are more reliable than the near-term multiple compression signal, then consider waiting for a better entry because the current P/E-based framework still implies meaningful downside versus the current price.
ALLY’s current price of $43.33 is well above the P/E-implied price of $19.36, which points to a -55.3% downside on that framework. However, the stock still sits within its historical band of $39.00 to $47.66 and far below the DCF range of $161.73 to $218.81, showing a wide spread between market pricing and intrinsic-value estimates.
Supporting Metrics