Ally Financial (ALLY) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Ally Financial

NYSE•Financial Services•Credit Services

$41.58-0.36(-0.01%)Pre-market

Market Cap

$12.33B

P/E

8.5x

P/S

1.4x

P/B

0.8x

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations. It offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing; and financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The company also provides consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers; VSCs, VMCs, and GAP products; and underwrite select commercial insurance coverages, which primarily insure dealers' vehicle inventory. In addition, it provides senior secured asset-based and leveraged cash flow loans to middle-market companies; leveraged loans; commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings; and treasury activities, such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, original issue discount, and equity investments. Further, the company offers deposits and securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.

How this company scores

WeakMetricSide Score: 78/100

Grade capped at D — Interest coverage below 1× (0.4x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (12/25).

Profitability21/25

Growth20/25

Balance Sheet & Red Flags12/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsRising earningsCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.4x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 8.5x5y range 4.2x – 39.4x

Currently near its 20-quarter median.

P/S · 1.4x5y range 0.9x – 2.3x

Currently near its 20-quarter median.

P/B · 0.8x5y range 0.6x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Price & Volume

Market Cap $12.33B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $8.68B
Q. Revenue: $2.29B
TTM EBITDA: $3.97B
TTM Op. Income: $1.84B
Q. Op. Income: $537.00M
TTM Net Income: $1.45B
Q. Net Income: $410.00M
EPS: $1.19
Shares Out.: $308.36M

$8.68B in TTM revenue grew 11.0% YoY, reaching $2.29B last quarter. TTM EBITDA of $3.97B and TTM operating income of $1.84B show growth is flowing through to the bottom line. TTM net income of $1.45B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 33.9%
EBITDA Margin: 40.0%
Op. Margin: 23.5%
Net Margin: 17.9%

Op. margin of 23.5% is up 2.5% YoY — cost efficiency is improving. Net margin at 17.9% and gross margin of 33.9% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 8.5x
P/S Ratio: 1.4x
P/B Ratio: 0.8x

At 8.5x P/E, the stock trades below typical market levels. P/S of 1.4x and P/B of 0.8x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 76% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $199.77B
Cash: $9.62B
Long-Term Debt: $13.91B
Book Value: $15.49B
D/E Ratio: 0.9
Debt/EBITDA: 15.2

With $199.77B in assets and $13.91B in long-term debt, D/E is 0.9and book value is $15.49B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 6% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.35B
TTM Free Cash Flow: $4.57B
FCF Margin: 52.6%
FCF / Net Income: 3.1

TTM FCF of $4.57B on $1.35B in operating cash flow. The FCF / Net Income ratio of 3.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.