ALLY — Valuation Models

Interactive models with editable assumptions. All calculations run client-side.

Valuation Summary

Model	Intrinsic Value	vs Price ($39.75)
DCF	$-38.44	-196.7%
Graham Number	$47.72	+20.1%
Reverse DCF	—	—
DDM	$24.72	-37.8%
EV/EBITDA	—	—

Values reflect default assumptions. Adjust inputs in each model below to update.

1 — Discounted Cash Flow (DCF)

Assumptions

Base FCF($B)Yahoo: —

Near-term growth (yrs 1–5)(%)Rev: 12.0% / EPS: 265.4%

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 3.83%

Computed WACC: 3.83%

Cost of equity (Re)10.68%(Rf 4.30% + β 1.16 × ERP 5.50%)

Cost of debt (Rd)0.00%(no debt / unavailable → 0%)

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)35.91%

Debt weight (D/V)64.09%

Results

Intrinsic Value / share$-38.44

Current Price$39.75

Upside / Downside-196.7%

Net Debt (used)$11.86B

Sensitivity: WACC (rows) × Near-term g (cols)

WACC \ Near-term	257.4%	261.4%	265.4%	269.4%	273.4%
7.0%	$-38.44	$-38.44	$-38.44	$-38.44	$-38.44
8.0%	$-38.44	$-38.44	$-38.44	$-38.44	$-38.44
9.0%	$-38.44	$-38.44	$-38.44	$-38.44	$-38.44
10.0%	$-38.44	$-38.44	$-38.44	$-38.44	$-38.44
11.0%	$-38.44	$-38.44	$-38.44	$-38.44	$-38.44

2 — Graham Number

Assumptions

MultiplierGraham used 22.5 (15× P/E × 1.5× P/B)

EPS (trailing)($)Yahoo: $2.37

Book Value / share($)Yahoo: $42.70

Results

Graham Number$47.72

Current Price$39.75

Margin of Safety+20.1%

Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 3.83%

Terminal growth rate(%)

Computed WACC: 3.83%

Cost of equity (Re)10.68%(Rf 4.30% + β 1.16 × ERP 5.50%)

Cost of debt (Rd)0.00%(no debt / unavailable → 0%)

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)35.91%

Debt weight (D/V)64.09%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$39.75

Implied Near-term FCF Growth—

Historical Revenue Growth12.0%

Historical Earnings Growth265.4%

Base FCF (TTM)—

Implied growth is the FCF growth rate (yrs 1–5) that makes the DCF intrinsic value equal the current price. Long-term growth is set to half the implied near-term rate.

4 — Dividend Discount Model (DDM)

Assumptions

Annual dividend D0($/share)Yahoo: $1.20

Dividend growth rate (g)(%)

Required return (r)(%)

Results

DDM Intrinsic Value / share$24.72

Current Price$39.75

Upside / Downside-37.8%

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: —

Target EV/EBITDA multipleCurrent: —×

Net Debt($B)Default: $11.86B

Results

Implied Equity Value / share$-38.44

Current Price$39.75

Upside / Downside-196.7%

Implied EV$0

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