Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 16.00 | 9.74 | 10.55 | 11.92 | 8.31 | 9.36 | — | 34.63 | 8.39 | 11.53 | 27.43 | 54.56 | 7.58 | 6.82 | 6.64 | 7.36 | 7.91 | 5.98 | 5.84 | 6.65 | 6.75 |
| — | +4.0% | — | -65.6% | -1.1% | -18.8% | — | -36.5% | +10.7% | +69.1% | +313.2% | +640.9% | -4.1% | +14.0% | +13.6% | +10.8% | +17.1% | +15.7% | +9.1% | +35.7% | +35.8% | |
| P/S Ratio | 2.01 | 1.40 | 1.30 | 1.50 | 1.30 | 1.33 | 1.61 | 1.25 | 1.21 | 1.42 | 1.42 | 1.17 | 0.94 | 0.91 | 0.82 | 0.76 | 0.98 | 1.20 | 1.57 | 1.78 | 2.15 |
| — | +5.0% | -19.3% | +19.6% | +7.6% | -6.1% | +12.7% | +7.0% | +28.5% | +56.2% | +72.6% | +53.7% | -4.1% | -24.0% | -47.6% | -57.2% | -54.4% | -43.2% | -23.0% | +14.0% | +67.7% | |
| P/B Ratio | 0.77 | 0.92 | 0.79 | 0.92 | 0.81 | 0.84 | 0.79 | 0.81 | 0.75 | 0.89 | 0.92 | 0.78 | 0.64 | 0.61 | 0.58 | 0.58 | 0.69 | 0.78 | 0.95 | 0.97 | 1.07 |
| — | +10.3% | -0.6% | +13.9% | +8.2% | -5.7% | -13.6% | +3.1% | +18.2% | +46.0% | +58.5% | +35.6% | -8.4% | -21.7% | -39.3% | -40.8% | -35.0% | -26.8% | -18.3% | +6.1% | +59.7% | |
| P/FCF | — | — | 4.61 | — | — | — | 23.28 | — | 47.72 | 4.10 | 5.62 | — | 2.07 | 2.48 | 2.80 | 3.85 | 3.85 | 2.78 | 5.28 | 59.29 | 18.04 |
| — | — | -80.2% | — | — | — | +314.4% | — | +2209.8% | +64.9% | +100.8% | — | -46.3% | -10.5% | -47.0% | -93.5% | -78.7% | — | — | -28.0% | +26.0% | |
| EV / EBITDA | 9.50 | 13.70 | 7.83 | 7.48 | 6.66 | 8.18 | 67.44 | 11.34 | 9.66 | 10.72 | 10.90 | 15.94 | 10.35 | 7.41 | 7.10 | 7.17 | 9.19 | 8.22 | 6.49 | 5.85 | 4.73 |
| — | +67.5% | -88.4% | -34.1% | -31.0% | -23.7% | +518.6% | -28.8% | -6.6% | +44.7% | +53.6% | +122.4% | +12.7% | -9.8% | +9.4% | +22.6% | +94.1% | +92.8% | +60.6% | +31.3% | +2.6% | |
| EV / EBIT | 22.14 | 13.70 | 15.23 | 16.82 | 11.05 | 12.23 | — | 28.78 | 22.68 | 23.48 | 29.37 | 96.66 | 24.42 | 12.85 | 12.90 | 12.44 | 16.54 | 12.46 | 9.09 | 7.99 | 6.25 |
| — | +12.0% | — | -41.6% | -51.3% | -47.9% | — | -70.2% | -7.1% | +82.7% | +127.7% | +677.3% | +47.6% | +3.2% | +41.9% | +55.6% | +164.6% | +132.6% | +64.2% | +23.3% | -13.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.0% | 52.2% | 49.0% | 48.0% | 49.5% | 49.0% | 45.6% | 41.7% | 39.5% | 42.4% | 41.0% | 40.6% | 41.4% | 46.6% | 49.9% | 53.7% | 58.7% | 71.8% | 79.2% | 77.3% | 80.0% |
| — | +6.6% | +7.4% | +15.2% | +25.5% | +15.6% | +11.1% | +2.7% | -4.6% | -9.0% | -17.8% | -24.5% | -29.5% | -35.2% | -37.0% | -30.5% | -26.6% | -13.2% | -0.3% | +5.2% | +23.1% | |
| Operating Margin | 8.6% | 13.2% | 10.3% | 9.8% | 13.0% | 11.2% | -8.3% | 4.3% | 5.6% | 6.4% | 4.4% | 1.5% | 5.7% | 10.2% | 10.2% | 12.3% | 13.9% | 23.2% | 31.0% | 32.7% | 35.0% |
| — | +17.4% | +224.3% | +126.1% | +133.1% | +76.4% | -286.4% | +184.2% | -1.6% | -37.6% | -56.5% | -87.6% | -59.1% | -55.9% | -67.0% | -62.4% | -60.3% | -39.8% | -18.7% | +7.2% | +44.7% | |
| Net Margin | 7.0% | 10.1% | 8.2% | 8.3% | 10.1% | 9.1% | -6.6% | 2.7% | 8.5% | 7.3% | 3.5% | 1.8% | 7.4% | 8.3% | 8.4% | 7.7% | 9.9% | 17.6% | 24.0% | 23.7% | 27.4% |
| — | +11.1% | +225.1% | +210.3% | +18.0% | +24.5% | -289.0% | +47.7% | +16.1% | -12.5% | -58.6% | -76.4% | -26.0% | -52.6% | -65.0% | -67.6% | -63.8% | -47.0% | -20.4% | -3.1% | +50.8% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.8% | 2.6% | 2.1% | 2.1% | 2.7% | 2.4% | -1.6% | 0.8% | 2.5% | 2.1% | 1.0% | 0.6% | 2.2% | 2.4% | 2.4% | 2.2% | 2.3% | 3.3% | 4.0% | 3.8% | 4.1% |
| — | +7.8% | +228.2% | +183.1% | +7.4% | +14.4% | -253.0% | +31.7% | +11.2% | -12.6% | -57.0% | -73.9% | -0.8% | -25.4% | -39.7% | -42.1% | -44.7% | -41.4% | -25.7% | -20.3% | +20.1% | |
| ROA | 0.4% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | -0.1% | 0.1% | 0.2% | 0.2% | 0.1% | 0.0% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.3% | 0.4% | 0.4% | 0.4% |
| — | +12.3% | +238.9% | +200.7% | +12.7% | +20.5% | -258.9% | +44.6% | +22.9% | -8.8% | -55.3% | -73.4% | -5.6% | -35.8% | -54.0% | -59.5% | -59.7% | -47.6% | -18.2% | -3.5% | +53.6% | |
| ROIC | 2.2% | 1.1% | 0.8% | 0.8% | 1.1% | 1.0% | -0.6% | 0.4% | 0.5% | 0.6% | 0.4% | 0.1% | 0.5% | 0.8% | 0.8% | 1.0% | 0.8% | 1.3% | 1.8% | 2.0% | 2.0% |
| — | +11.4% | +227.2% | +101.0% | +109.0% | +58.3% | -251.0% | +188.2% | +9.8% | -28.7% | -50.6% | -85.7% | -42.4% | -33.9% | -53.4% | -52.6% | -58.9% | -42.2% | -10.0% | +29.0% | +91.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.40 | 1.48 | 1.38 | 1.40 | 1.36 | 1.36 | 1.40 | 1.38 | 1.27 | 1.39 | 1.25 | 1.53 | 1.76 | 1.66 | 1.65 | 1.58 | 1.93 | 1.78 | 1.30 | 1.01 | 0.87 |
| — | +9.3% | -1.1% | +1.5% | +7.5% | -2.2% | +11.5% | -9.7% | -28.1% | -16.4% | -23.9% | -3.0% | -8.5% | -6.8% | +27.0% | +56.4% | +120.4% | +79.5% | -9.6% | -39.0% | -57.0% | |
| Debt / EBITDA | 8.89 | 42.77 | 27.76 | 25.07 | 24.24 | 30.26 | 258.57 | 43.31 | 34.16 | 34.12 | 34.75 | 54.07 | 42.06 | 32.13 | 31.30 | 26.29 | 31.91 | 25.91 | 16.89 | 14.00 | 12.62 |
| — | +41.3% | -89.3% | -42.1% | -29.0% | -11.3% | +644.1% | -19.9% | -18.8% | +6.2% | +11.0% | +105.7% | +31.8% | +24.0% | +85.3% | +87.8% | +152.8% | +95.0% | +10.9% | -28.3% | -56.6% | |
| Current Ratio | 0.90 | 0.90 | 0.20 | 0.90 | 0.20 | 0.19 | 0.20 | 0.20 | 0.19 | 0.16 | 0.18 | 0.17 | 0.20 | 0.21 | 0.22 | 0.21 | 0.20 | 0.22 | 0.25 | 0.28 | 0.32 |
| — | +362.7% | +0.6% | +356.5% | +6.3% | +18.0% | +9.4% | +13.3% | -5.1% | -22.8% | -16.8% | -15.7% | -3.9% | -1.8% | -13.0% | -24.9% | -35.7% | -37.8% | -29.5% | -17.4% | -12.4% | |
| Quick Ratio | 0.90 | 0.90 | 0.20 | 0.90 | 0.20 | 0.19 | 0.20 | 0.20 | 0.19 | 0.16 | 0.18 | 0.17 | 0.20 | 0.21 | 0.22 | 0.21 | 0.20 | 0.22 | 0.25 | 0.28 | 0.32 |
| — | +362.7% | +0.6% | +356.5% | +6.3% | +18.0% | +9.4% | +13.3% | -5.1% | -22.8% | -16.8% | -15.7% | -3.9% | -1.8% | -13.0% | -24.9% | -35.7% | -37.8% | -29.5% | -17.4% | -12.4% | |
| Interest Coverage | 0.16 | 0.36 | 0.26 | 0.25 | 0.33 | 0.27 | -0.17 | 0.10 | 0.12 | 0.14 | 0.10 | 0.03 | 0.12 | 0.24 | 0.27 | 0.38 | 0.52 | 1.36 | 2.11 | 2.17 | 2.04 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying ALLY stock.
Ally Financial Inc.'s current P/E is 16.0x. The average P/E over the last 4 quarters is 10.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Ally Financial Inc.'s current operating margin is 8.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Ally Financial Inc.'s business trajectory between earnings reports.