Last 48 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Ally Financial Inc.'s quarterly P/E stands at 11.9x, down 65.6% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 48.3% YoY to 16.8x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 16.64 | 11.92 | 8.31 | 9.36 | — | 34.63 | 8.39 | 11.53 | 27.43 | 54.56 | 7.58 | 6.82 | 6.64 |
| — | -65.6% | -1.1% | -18.8% | — | -36.5% | +10.7% | +69.1% | +313.2% | +640.9% | -4.1% | +14.0% | +13.6% | |
| P/S Ratio | 1.00 | 3.95 | 0.78 | 0.78 | 0.82 | 0.69 | 0.66 | 0.76 | 0.76 | 0.64 | 0.51 | 0.52 | 0.51 |
| — | +469.9% | +17.6% | +3.0% | +8.1% | +8.8% | +30.6% | +46.2% | +49.4% | +24.6% | -29.3% | -47.4% | -62.1% | |
| P/B Ratio | 0.80 | 0.92 | 0.81 | 0.84 | 0.79 | 0.81 | 0.75 | 0.89 | 0.92 | 0.78 | 0.64 | 0.61 | 0.58 |
| — | +13.9% | +8.2% | -5.7% | -13.6% | +3.1% | +18.2% | +46.0% | +58.5% | +35.6% | -8.4% | -21.7% | -39.3% | |
| P/FCF | — | — | — | — | 23.28 | — | 47.72 | 4.10 | 5.62 | — | 2.07 | 2.48 | 2.80 |
| — | — | — | — | +314.4% | — | +2209.8% | +64.9% | +100.8% | — | -46.3% | -10.5% | -47.0% | |
| EV / EBITDA | 12.16 | 16.82 | 6.66 | 8.18 | 67.44 | 11.34 | 9.66 | 10.72 | 10.90 | 15.94 | 10.35 | 7.41 | 7.10 |
| — | +48.3% | -31.0% | -23.7% | +518.6% | -28.8% | -6.6% | +44.7% | +53.6% | +122.4% | +12.7% | -9.8% | +9.4% | |
| EV / EBIT | 22.74 | 16.82 | 11.05 | 12.23 | — | 28.78 | 22.68 | 23.48 | 29.37 | 96.66 | 24.42 | 12.85 | 12.90 |
| — | -41.6% | -51.3% | -47.9% | — | -70.2% | -7.1% | +82.7% | +127.7% | +677.3% | +47.6% | +3.2% | +41.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Ally Financial Inc.'s operating margin was 42.9% in Q4 2025, up 29.9 pp QoQ and up 38.6 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 14.7% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 140.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.0% | 100.0% | 49.5% | 49.0% | 45.6% | 41.7% | 39.5% | 42.4% | 41.0% | 40.6% | 41.4% | 46.6% | 49.9% |
| — | +140.0% | +25.5% | +15.6% | +11.1% | +2.7% | -4.6% | -9.0% | -17.8% | -24.5% | -29.5% | -35.2% | -37.0% | |
| Operating Margin | 8.6% | 42.9% | 13.0% | 11.2% | -8.3% | 4.3% | 5.6% | 6.4% | 4.4% | 1.5% | 5.7% | 10.2% | 10.2% |
| — | +889.9% | +133.1% | +76.4% | -286.4% | +184.2% | -1.6% | -37.6% | -56.5% | -87.6% | -59.1% | -55.9% | -67.0% | |
| Net Margin | 7.0% | 36.3% | 10.1% | 9.1% | -6.6% | 2.7% | 8.5% | 7.3% | 3.5% | 1.8% | 7.4% | 8.3% | 8.4% |
| — | +1258.8% | +18.0% | +24.5% | -289.0% | +47.7% | +16.1% | -12.5% | -58.6% | -76.4% | -26.0% | -52.6% | -65.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.8% | 2.1% | 2.7% | 2.4% | -1.6% | 0.8% | 2.5% | 2.1% | 1.0% | 0.6% | 2.2% | 2.4% | 2.4% |
| — | +183.1% | +7.4% | +14.4% | -253.0% | +31.7% | +11.2% | -12.6% | -57.0% | -73.9% | -0.8% | -25.4% | -39.7% | |
| ROA | 0.4% | 0.2% | 0.2% | 0.2% | -0.1% | 0.1% | 0.2% | 0.2% | 0.1% | 0.0% | 0.2% | 0.2% | 0.2% |
| — | +200.7% | +12.7% | +20.5% | -258.9% | +44.6% | +22.9% | -8.8% | -55.3% | -73.4% | -5.6% | -35.8% | -54.0% | |
| ROIC | 2.2% | 0.8% | 1.1% | 1.0% | -0.6% | 0.4% | 0.5% | 0.6% | 0.4% | 0.1% | 0.5% | 0.8% | 0.8% |
| — | +101.0% | +109.0% | +58.3% | -251.0% | +188.2% | +9.8% | -28.7% | -50.6% | -85.7% | -42.4% | -33.9% | -53.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Ally Financial Inc.'s Debt/EBITDA ratio is 56.4x, up from 24.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 356.5% YoY to 0.90x, strengthening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.40 | 1.40 | 1.36 | 1.36 | 1.40 | 1.38 | 1.27 | 1.39 | 1.25 | 1.53 | 1.76 | 1.66 | 1.65 |
| — | +1.5% | +7.5% | -2.2% | +11.5% | -9.7% | -28.1% | -16.4% | -23.9% | -3.0% | -8.5% | -6.8% | +27.0% | |
| Debt / EBITDA | 11.07 | 56.39 | 24.24 | 30.26 | 258.57 | 43.31 | 34.16 | 34.12 | 34.75 | 54.07 | 42.06 | 32.13 | 31.30 |
| — | +30.2% | -29.0% | -11.3% | +644.1% | -19.9% | -18.8% | +6.2% | +11.0% | +105.7% | +31.8% | +24.0% | +85.3% | |
| Current Ratio | 0.90 | 0.90 | 0.20 | 0.19 | 0.20 | 0.20 | 0.19 | 0.16 | 0.18 | 0.17 | 0.20 | 0.21 | 0.22 |
| — | +356.5% | +6.3% | +18.0% | +9.4% | +13.3% | -5.1% | -22.8% | -16.8% | -15.7% | -3.9% | -1.8% | -13.0% | |
| Quick Ratio | 0.90 | 0.90 | 0.20 | 0.19 | 0.20 | 0.20 | 0.19 | 0.16 | 0.18 | 0.17 | 0.20 | 0.21 | 0.22 |
| — | +356.5% | +6.3% | +18.0% | +9.4% | +13.3% | -5.1% | -22.8% | -16.8% | -15.7% | -3.9% | -1.8% | -13.0% | |
| Interest Coverage | 0.22 | — | 0.33 | 0.27 | -0.17 | 0.10 | 0.12 | 0.14 | 0.10 | 0.03 | 0.12 | 0.24 | 0.27 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Start ComparisonAlly Financial Inc.'s current P/E is 16.6x. The average P/E over the last 3 quarters is 9.9x. 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.