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Ally Financial Inc. ALLY

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37.92 USD -0.69 (-1.79%)

At closeNov 4, 2026, 4:01 AM EST

38.04 +0.12 +0.32%

Pre-market · Nov 4, 4:01 AM ET

37.92 Day range 38.69
35.92 52-week range 47.29
YTD
-16.27%
1 year
-4.29%

Financial health

Altman Z-Score

-0.62 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 1
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 4
  • P/B 4

Valuation

P/E 18.9×
FY 2016: 8.8×FY 2017: 14.2×FY 2018: 7.6×FY 2019: 7.0×FY 2020: 12.3×FY 2021: 5.7×FY 2022: 4.8×FY 2023: 12.5×FY 2024: 19.8×FY 2025: 18.9×
FY 2016 5y median 12.5× FY 2025
P/S 1.2×
FY 2016: 0.9×FY 2017: 1.3×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 1.2×FY 2021: 1.6×FY 2022: 0.6×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 1.2×
FY 2016 5y median 0.7× FY 2025
P/B 0.9×
FY 2016: 0.7×FY 2017: 1.0×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 0.6×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.8× FY 2025
P/FCF -21.8×
FY 2016: 7.0×FY 2017: 490×FY 2018: 21.8×FY 2019: 445×FY 2020: -23.1×FY 2021: -16.0×FY 2022: 2.9×FY 2023: 5.9×FY 2024: 10.3×FY 2025: -21.8×
FY 2016 5y median 2.9× FY 2025
EV/EBITDA 10.5×
FY 2016: 17.6×FY 2017: 19.2×FY 2018: 18.2×FY 2019: 13.7×FY 2020: 7.5×FY 2021: 5.7×FY 2022: 6.1×FY 2023: 10.6×FY 2024: 9.8×FY 2025: 10.5×
FY 2016 5y median 9.8× FY 2025
EV/Sales 2.1×
FY 2016: 7.1×FY 2017: 6.6×FY 2018: 5.7×FY 2019: 4.2×FY 2020: 2.1×FY 2021: 2.7×FY 2022: 1.9×FY 2023: 1.5×FY 2024: 1.2×FY 2025: 2.1×
FY 2016 5y median 1.9× FY 2025
FCF Yield -4.6%
FY 2016: 14.3%FY 2017: 0.2%FY 2018: 4.6%FY 2019: 0.2%FY 2020: -4.3%FY 2021: -6.2%FY 2022: 35.1%FY 2023: 17.0%FY 2024: 9.7%FY 2025: -4.6%
FY 2016 5y median 9.7% FY 2025

Profitability

Gross Margin 52.0%
FY 2016: 63.9%FY 2017: 59.3%FY 2018: 56.3%FY 2019: 54.7%FY 2020: 56.3%FY 2021: 79.8%FY 2022: 64.8%FY 2023: 44.5%FY 2024: 41.1%FY 2025: 52.0%
FY 2016 5y median 52.0% FY 2025
Operating Margin 8.6%
FY 2016: 16.1%FY 2017: 15.3%FY 2018: 15.6%FY 2019: 17.0%FY 2020: 13.2%FY 2021: 36.0%FY 2022: 19.4%FY 2023: 6.9%FY 2024: 5.1%FY 2025: 8.6%
FY 2016 5y median 8.6% FY 2025
Net Margin 7.0%
FY 2016: 10.9%FY 2017: 9.4%FY 2018: 12.1%FY 2019: 14.8%FY 2020: 10.1%FY 2021: 28.6%FY 2022: 14.2%FY 2023: 6.0%FY 2024: 4.1%FY 2025: 7.0%
FY 2016 5y median 7.0% FY 2025
ROE 5.5%
FY 2016: 8.0%FY 2017: 6.9%FY 2018: 9.5%FY 2019: 11.9%FY 2020: 7.4%FY 2021: 17.9%FY 2022: 13.3%FY 2023: 7.0%FY 2024: 4.8%FY 2025: 5.5%
FY 2016 5y median 7.0% FY 2025
ROIC 2.3%
FY 2016: 1.3%FY 2017: 1.3%FY 2018: 1.8%FY 2019: 2.9%FY 2020: 2.5%FY 2021: 7.7%FY 2022: 4.4%FY 2023: 2.4%FY 2024: 1.7%FY 2025: 2.3%
FY 2016 5y median 2.4% FY 2025
ROA 0.4%
FY 2016: 0.7%FY 2017: 0.6%FY 2018: 0.7%FY 2019: 0.9%FY 2020: 0.6%FY 2021: 1.7%FY 2022: 0.9%FY 2023: 0.5%FY 2024: 0.3%FY 2025: 0.4%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue -25.7%
FY 2016: -0.3%FY 2017: 0.4%FY 2018: 5.8%FY 2019: 10.9%FY 2020: -7.2%FY 2021: -0.3%FY 2022: 13.1%FY 2023: 32.0%FY 2024: 2.5%FY 2025: -25.7%
FY 2016 FY 2025
Operating Income 25.7%
FY 2016: 13.5%FY 2017: -4.7%FY 2018: 7.6%FY 2019: 21.3%FY 2020: -28.1%FY 2021: 172.6%FY 2022: -39.2%FY 2023: -52.9%FY 2024: -24.2%FY 2025: 25.7%
FY 2016 FY 2025
EPS (diluted) 31.7%
FY 2016: 180.8%FY 2017: -5.1%FY 2018: 44.6%FY 2019: 47.1%FY 2020: -33.6%FY 2021: 185.4%FY 2022: -38.8%FY 2023: -44.7%FY 2024: -35.3%FY 2025: 31.7%
FY 2016 FY 2025
Free Cash Flow -160.6%
FY 2016: 203.5%FY 2017: -97.9%FY 2018: 1533.3%FY 2019: -93.9%FY 2020: -2251.9%FY 2021: -85.5%FY 2022: 351.9%FY 2023: -33.8%FY 2024: -40.6%FY 2025: -160.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.9×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.9×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.9×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.9×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 1.4×
FY 2016: 5.0×FY 2017: 4.1×FY 2018: 4.1×FY 2019: 2.8×FY 2020: 1.7×FY 2021: 1.0×FY 2022: 1.6×FY 2023: 1.5×FY 2024: 1.4×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025
Net Debt / EBITDA 4.8×
FY 2016: 15.3×FY 2017: 15.3×FY 2018: 15.2×FY 2019: 10.3×FY 2020: 2.9×FY 2021: 2.4×FY 2022: 4.0×FY 2023: 6.0×FY 2024: 4.4×FY 2025: 4.8×
FY 2016 5y median 4.4× FY 2025
Interest Coverage 0.2×
FY 2016: 0.6×FY 2017: 0.5×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 2.0×FY 2022: 0.8×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 1.2%FY 2017: 1.4%FY 2018: 2.5%FY 2019: 2.3%FY 2020: 2.2%FY 2021: 2.2%FY 2022: 6.4%FY 2023: 4.5%FY 2024: 4.4%FY 2025: 3.5%
FY 2016 5y median 4.4% FY 2025
Payout Ratio 57.4%
FY 2016: 10.1%FY 2017: 19.8%FY 2018: 19.2%FY 2019: 15.9%FY 2020: 26.6%FY 2021: 12.5%FY 2022: 28.8%FY 2023: 49.9%FY 2024: 72.2%FY 2025: 57.4%
FY 2016 5y median 49.9% FY 2025

Annual · latest fiscal year ends 2025-12-31