In this article, we will take a look at the 5 Cheap AI Stocks That Could Make You a Millionaire. For investors looking for the complete list, you can explore our full report on the 10 Most Affordable AI-Powered Bank Stocks to Buy Now.
5. Ally Financial Inc. (NYSE:ALLY)
Ally Financial Inc. (NYSE: ALLY) takes fifth place with a score of 82 out of 100. Trading at approximately $41.58 per share and only 9.8 times trailing earnings, it offers one of the most attractive combinations of valuation and genuine enterprise AI adoption in the ranking.
Ally is already an all-digital financial institution, reducing its dependence on physical branches and making technology central to its operating model. Its proprietary Ally.ai platform has been deployed across the company to help employees summarize documents, locate information, generate content and perform other productivity-related tasks.
The platform is particularly important because it was designed specifically for a regulated financial institution. Instead of relying entirely on public AI applications, Ally can establish internal security controls and manage how sensitive financial data is accessed. That approach could allow the company to capture generative AI productivity gains while reducing some of the privacy and compliance risks associated with consumer-facing tools.
Ally’s 2025 annual report also showed improving adjusted earnings, tangible book value and capital levels. These results strengthen the argument that the company is more than an AI story—it is an established financial business trading at a relatively low earnings multiple.
The central risk is Ally’s exposure to automobile financing. Falling used-vehicle prices, higher loan delinquencies or weakening consumer finances could affect credit performance. Its attractive valuation may therefore reflect legitimate concerns about the economic cycle and the health of American borrowers.
