Ally Financial Inc. (ALLY) Factsheet
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Ally Financial Inc. (ALLY) Stock Analysis
Analysis from 10-Q filed 2026-11-02. Data as of Q3 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. D/E 1.7x. Source: 10-Q filed 2026-11-02.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| Debt/Equity | 1.7x | Elevated debt |
N/A ROIC, N/A FCF margin, 1.7x D/E. From 10-Q filed 2026-11-02.
Explore Ally Financial Inc.: Earnings History | Overview
Programmatic access: Available via MCP at mcp.metricduck.com. Tools for ALLY: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_section, get_metric_history, compare_companies, screen_filing_signals.
Profitability: Ally Financial Inc. earns N/A ROIC
ROIC TTM N/A. Source: 10-Q filed 2026-11-02.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below cost of capital |
| Return on Equity (ROE) | 9.7% | Adequate | Moderate equity returns |
Cash Flow Analysis for Ally Financial Inc.
OCF/Net income 3.3x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2026-11-02.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| OCF/Net Income | 3.3x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: Ally Financial Inc. at 1.7x leverage, 3.5x interest coverage
Debt/Equity 1.7x. Total debt $25.0B, cash & investments $7.8B. Interest coverage 3.5x. Source: 10-Q filed 2026-11-02.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| Debt to Equity | 1.7x | Warning | Elevated leverage |
| Net Cash Position | $-17.2B | Warning | Net debt position |
| Interest Coverage | 3.5x | Adequate | Monitor debt obligations |
Valuation: Ally Financial Inc. trades at 8.4x earnings
P/E 8.4x. EV/Sales 3.2x. Dividend yield 3.2%. Source: 10-Q filed 2026-11-02.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| P/E Ratio | 8.4x | Adequate | Reasonable valuation |
| EV/Sales | 3.2x | Good | Growth premium priced in |
| Dividend Yield | 3.2% | Adequate | Meaningful income |
Capital Allocation: Ally Financial Inc. returns 7.6% shareholder yield, reducing shares 2.4% YoY
Total shareholder yield 7.6% (div 3.2% + buyback 4.3%). Share count -2.4% YoY. Capital returned $873.0M TTM. Source: 10-Q filed 2026-11-02.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 7.6% | Excellent | Dividend + buyback yield combined |
| Buyback Yield | 4.3% | Good | Active share repurchases |
| Share Count Change (YoY) | -2.4% | Good | Net share reduction (accretive) |
| Total Capital Returned (TTM) | $873.0M | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Return on Equity (ROE) | 9.7% | Bottom 50% | 0.9x below |
| P/E Ratio | 8.4x | N/A | - |
Financial Scorecard
| Metric | ALLY | Rating | Sector Context |
|---|---|---|---|
| Debt to Equity Ratio | 167.2% | Warning | High financial leverage |
| P/E Ratio (Price-to-Earnings) | 840.7% | Adequate | Attractively valued |
Frequently Asked Questions
Q: What is Ally Financial Inc.'s Return on Invested Capital (ROIC)?
Ally Financial Inc. (ALLY) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Source: 10-Q filed 2026-11-02.
Q: What is Ally Financial Inc.'s Free Cash Flow Margin?
Ally Financial Inc. (ALLY) has a free cash flow margin of N/A, Source: 10-Q filed 2026-11-02.
Q: What is Ally Financial Inc.'s P/E ratio and how does it compare to peers?
Ally Financial Inc. (ALLY) trades at a P/E ratio of 8.4x, which is above the sector median of N/A. EV/Sales 3.2x. Source: 10-Q filed 2026-11-02.
Q: Does Ally Financial Inc. pay a dividend?
Ally Financial Inc. (ALLY) currently pays a dividend yield of 3.2%. Total shareholder yield (dividend + buybacks) 7.6%. Source: 10-Q filed 2026-11-02.
Q: How much debt does Ally Financial Inc. have?
Ally Financial Inc. (ALLY) has a debt-to-equity ratio of 1.7x with total debt of $25.0 billion. Interest coverage 3.5x. Net debt $17.2 billion. Source: 10-Q filed 2026-11-02.
Q: What is Ally Financial Inc.'s revenue and earnings growth?
Ally Financial Inc. (ALLY) grew revenue by 13.1% year-over-year. EPS +162.7% YoY. Source: 10-Q filed 2026-11-02.
Q: Is Ally Financial Inc. buying back stock?
Ally Financial Inc. (ALLY) repurchased $496.0 million of stock over the trailing twelve months. This represents a buyback yield of 4.3%. Share count -2.4% YoY. Source: 10-Q filed 2026-11-02.
Q: How does Ally Financial Inc. compare to competitors in Financials?
Compared to other companies in Financials, Ally Financial Inc. (ALLY) shows: These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.
Q: What warning signs should I watch for with Ally Financial Inc.?
Quantitative warning flags for Ally Financial Inc. (ALLY): 1) debt/equity 1.7x (above 1.5x threshold); 2) interest coverage 3.5x (below 5x). Source: 10-Q filed 2026-11-02.
Data Source: Data sourced from 10-Q filed 2026-11-02. TTM metrics as of Q3 2026.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.
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