Ally Financial Inc. (ALLY) Financial Ratios
27 years of historical data (1999–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↑
10.63
↑+24% vs avg
5yr avg: 8.60
30Y Low5.8·High19.2
P/FCF
↑
N/A
—
5yr avg: 6.42
30Y Low2.9·High22.0
P/B Ratio
↓
0.92
+12% vs avg
5yr avg: 0.82
30Y Low0.6·High1.0
ROE
↓
5.8%
↑-40% vs avg
5yr avg: 9.7%
30Y Low-48%·High19%
Debt/EBITDA
↑
8.89
↑+23% vs avg
5yr avg: 7.25
30Y Low3.4·High39.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ALLY Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Ally Financial Inc. trades at 19.2x earnings, 54% above its 5-year average of 12.5x, sitting at the 91st percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 41%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $14.3B | $14.2B | $11.2B | $10.7B | $7.8B | $17.4B | $13.4B | $12.1B | $9.7B | $13.3B | $9.2B |
| Enterprise Value | $26.0B | $26.0B | $20.1B | $24.7B | $22.5B | $29.5B | $22.2B | $48.3B | $59.5B | $64.7B | $69.9B |
| P/E Ratio → | 19.19 | 19.11 | 20.01 | 12.56 | 4.86 | 5.79 | 12.38 | 7.04 | 7.68 | 14.29 | 8.85 |
| P/S Ratio | 1.18 | 1.17 | 0.68 | 0.67 | 0.64 | 1.63 | 1.25 | 1.05 | 0.93 | 1.35 | 0.93 |
| P/B Ratio | 0.92 | 0.92 | 0.80 | 0.78 | 0.61 | 1.02 | 0.91 | 0.84 | 0.73 | 0.98 | 0.69 |
| P/FCF | — | — | 10.46 | 5.93 | 2.87 | — | — | 447.53 | 21.98 | 491.78 | 7.09 |
| P/OCF | 3.94 | 3.92 | 2.47 | 2.34 | 1.25 | 4.30 | 3.60 | 2.98 | 2.34 | 3.26 | 2.01 |
P/E links to full P/E history page with 30-year chart
ALLY EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Ally Financial Inc.'s enterprise value stands at 10.6x EBITDA, 24% above its 5-year average of 8.6x. The Financial Services sector median is 11.4x, placing the stock at a 7% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.14 | 1.23 | 1.55 | 1.86 | 2.76 | 2.07 | 4.18 | 5.71 | 6.56 | 7.12 |
| EV / EBITDA | 10.63 | 10.61 | 9.88 | 10.60 | 6.14 | 5.77 | 7.47 | 13.71 | 18.20 | 19.21 | 17.63 |
| EV / EBIT | 24.77 | 24.71 | 24.05 | 22.38 | 9.61 | 7.66 | 15.67 | 24.55 | 36.70 | 42.91 | 44.18 |
| EV / FCF | — | — | 18.83 | 13.73 | 8.29 | — | — | 1788.23 | 134.98 | 2395.00 | 54.02 |
ALLY Profitability
Margins and return-on-capital ratios measuring operating efficiency
Ally Financial Inc. earns an operating margin of 8.6%, below the Financial Services sector average of 20.3%. Operating margins have expanded from 6.9% to 8.6% over the past 3 years, signaling improving operational efficiency. ROE of 5.8% is modest, trailing the sector median of 9.0%. ROIC of 2.2% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.0% | 52.0% | 41.1% | 44.5% | 64.8% | 79.8% | 56.3% | 54.7% | 56.3% | 59.3% | 63.9% |
| Operating Margin | 8.6% | 8.6% | 5.1% | 6.9% | 19.4% | 36.0% | 13.2% | 17.0% | 15.6% | 15.3% | 16.1% |
| Net Profit Margin | 7.0% | 7.0% | 4.1% | 6.0% | 14.2% | 28.6% | 10.1% | 14.8% | 12.1% | 9.4% | 10.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.8% | 5.8% | 4.8% | 7.2% | 11.5% | 19.3% | 7.5% | 12.4% | 9.4% | 6.9% | 8.0% |
| ROA | 0.4% | 0.4% | 0.3% | 0.5% | 0.9% | 1.7% | 0.6% | 1.0% | 0.7% | 0.6% | 0.7% |
| ROIC | 2.2% | 2.2% | 1.8% | 2.4% | 5.2% | 7.9% | 2.3% | 2.4% | 1.8% | 1.5% | 1.4% |
| ROCE | 3.0% | 3.0% | 2.3% | 3.0% | 6.2% | 9.4% | 3.0% | 3.4% | 2.6% | 2.3% | 2.0% |
ALLY Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Ally Financial Inc. carries a Debt/EBITDA ratio of 8.9x, which is highly leveraged (109% above the sector average of 4.3x). Net debt stands at $11.7B ($21.8B total debt minus $10.0B cash). Interest coverage of just 0.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.40 | 1.40 | 1.38 | 1.53 | 1.58 | 1.01 | 1.65 | 2.76 | 4.10 | 4.12 | 5.02 |
| Debt / EBITDA | 8.89 | 8.89 | 9.45 | 9.00 | 5.53 | 3.36 | 8.21 | 11.29 | 16.62 | 16.53 | 16.86 |
| Net Debt / Equity | — | 0.76 | 0.64 | 1.02 | 1.15 | 0.71 | 0.59 | 2.51 | 3.76 | 3.81 | 4.56 |
| Net Debt / EBITDA | 4.79 | 4.79 | 4.39 | 6.02 | 4.01 | 2.37 | 2.94 | 10.28 | 15.23 | 15.27 | 15.31 |
| Debt / FCF | — | — | 8.37 | 7.81 | 5.42 | — | — | 1340.70 | 113.00 | 1903.22 | 46.93 |
| Interest Coverage | 0.16 | 0.16 | 0.11 | 0.16 | 0.82 | 2.01 | 0.44 | 0.46 | 0.45 | 0.53 | 0.60 |
ALLY Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.90x is below 1.0, meaning current liabilities exceed current assets — though the company's $10.0B cash position helps mitigate short-term liquidity concerns. The current ratio has improved from 0.17x to 0.90x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.90 | 0.90 | 0.20 | 0.17 | 0.21 | 0.28 | 0.33 | 0.26 | 0.19 | 0.19 | 0.23 |
| Quick Ratio | 0.90 | 0.90 | 0.20 | 0.17 | 0.21 | 0.28 | 0.33 | 0.26 | 0.19 | 0.19 | 0.23 |
| Cash Ratio | 0.06 | 0.06 | 0.07 | 0.04 | 0.04 | 0.04 | 0.11 | 0.03 | 0.04 | 0.04 | 0.07 |
| Asset Turnover | — | 0.06 | 0.09 | 0.08 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
ALLY Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Ally Financial Inc. returns 3.1% to shareholders annually — split between a 2.7% dividend yield and 0.4% buyback yield. A payout ratio of 44.5% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 5.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.7% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 44.5% | 44.5% | 55.7% | 38.5% | 22.4% | 10.6% | 26.6% | 15.9% | 19.2% | 19.8% | 10.1% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.2% | 5.2% | 5.0% | 8.0% | 20.6% | 17.3% | 8.1% | 14.2% | 13.0% | 7.0% | 11.3% |
| FCF Yield | — | — | 9.6% | 16.9% | 34.9% | — | — | 0.2% | 4.6% | 0.2% | 14.1% |
| Buyback Yield | 0.4% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.1% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $314M | $310M | $305M | $319M | $365M | $377M | $395M | $428M | $455M | $482M |
Peer Comparison
Compare ALLY with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 ALLYYou | $14B | 19.2 | 10.6 | — | 52.0% | 8.6% | 5.8% | 2.2% | 8.9 |
 COF | $125B | 50.0 | 15.7 | 4.8 | 47.3% | 3.3% | 2.8% | 1.3% | 6.8 |
 SYF | $26B | 8.1 | 5.1 | 2.7 | 51.0% | 24.2% | 21.3% | 10.8% | 3.0 |
 OMF | $7B | 8.9 | 22.2 | 2.2 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 AXP | $232B | 22.0 | 15.5 | 14.5 | 83.2% | 17.1% | 34.0% | 12.0% | 3.7 |
 CACC | $6B | 15.4 | 10.5 | 5.7 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 NAVI | $760M | -10.0 | 17.8 | 1.7 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 GM | $71B | 24.2 | 10.3 | 6.5 | 10.9% | 1.6% | 4.2% | 1.3% | 7.4 |
 F | $55B | -6.8 | 23.4 | 4.4 | 12.2% | 1.4% | -20.2% | 1.0% | 19.7 |
 AN | $6B | 11.1 | 10.5 | — | 17.0% | 4.8% | 27.1% | 8.5% | 6.4 |
 KMX | $8B | 31.9 | — | 6.1 | 10.8% | -1.6% | 4.1% | -1.3% | — |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 27 years · Updated daily
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ALLY — Frequently Asked Questions
Quick answers to the most common questions about buying ALLY stock.
What is Ally Financial Inc.'s P/E ratio?
Ally Financial Inc.'s current P/E ratio is 19.2x. The historical average is 11.4x. This places it at the 91th percentile of its historical range.
What is Ally Financial Inc.'s EV/EBITDA?
Ally Financial Inc.'s current EV/EBITDA is 10.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.0x.
What is Ally Financial Inc.'s ROE?
Ally Financial Inc.'s return on equity (ROE) is 5.8%. The historical average is 6.2%.
Is ALLY stock overvalued?
Based on historical data, Ally Financial Inc. is trading at a P/E of 19.2x. This is at the 91th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Ally Financial Inc.'s dividend yield?
Ally Financial Inc.'s current dividend yield is 2.65% with a payout ratio of 44.5%.
What are Ally Financial Inc.'s profit margins?
Ally Financial Inc. has 52.0% gross margin and 8.6% operating margin.
How much debt does Ally Financial Inc. have?
Ally Financial Inc.'s Debt/EBITDA ratio is 8.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.