Ally Financial Inc. (ALLY) Factsheet
Ally Financial Inc. (ALLY) Stock Analysis
Analysis from 10-Q filed 2025-10-30. Data as of Q4 2025.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin 47.1%. D/E 1.4x. Source: 10-Q filed 2025-10-30.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 47.1% | Strong cash generation |
| Debt/Equity | 1.4x | Moderate leverage |
FCF margin 47.1% — Top 25%.
Explore Ally Financial Inc.: Earnings History | Filings | ROIC Analysis
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_changes, get_metric_history, compare_companies, screen_filing_signals.
Profitability: Ally Financial Inc. earns N/A ROIC
ROIC TTM N/A, sector median 20.8%. Source: 10-Q filed 2025-10-30.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 20.8% |
| Return on Equity (ROE) | 5.1% | Warning | Moderate equity returns |
Cash Flow: Ally Financial Inc. generates $3.7B FCF at 47.1% margin, positive NaN/8 quarters
FCF TTM $3.7B. FCF margin 47.1%, Top 25%. OCF/Net income 5.0x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-10-30.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 47.1% | Excellent | Excellent cash conversion |
| Free Cash Flow (TTM) | $3.7B | Good | Positive cash generation |
| OCF/Net Income | 5.0x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: Ally Financial Inc. at 1.4x leverage
Debt/Equity 1.4x. Total debt $21.8B, cash & investments $11.8B. Source: 10-Q filed 2025-10-30.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| Debt to Equity | 1.4x | Adequate | Moderate leverage |
| Net Cash Position | $-10.0B | Warning | Net debt position |
Valuation: Ally Financial Inc. trades at 18.9x earnings
P/E 18.9x. EV/Sales 2.9x. FCF yield 26.6%. Dividend yield 2.7%. Source: 10-Q filed 2025-10-30.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| P/E Ratio | 18.9x | Adequate | Reasonable valuation |
| EV/Sales | 2.9x | Good | Attractive revenue multiple |
| FCF Yield | 26.6% | Excellent | Attractive cash return |
| Dividend Yield | 2.7% | Adequate | Growth focus over income |
Capital Allocation: Ally Financial Inc. returns 3.1% shareholder yield
Total shareholder yield 3.1% (div 2.7% + buyback 0.4%). Capital returned $438.0M TTM. Source: 10-Q filed 2025-10-30.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 3.1% | Good | Dividend + buyback yield combined |
| Buyback Yield | 0.4% | Adequate | Minimal buyback activity |
| Total Capital Returned (TTM) | $438.0M | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 47.1% | Top 25% | 2.1x above |
| Return on Equity (ROE) | 5.1% | Bottom 25% | 0.5x below |
| P/E Ratio | 18.9x | N/A | - |
Financial Scorecard
| Metric | ALLY | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 47.1% | Excellent | Top 25% of sector (median: 22.0%) |
| Debt to Equity Ratio | 140.4% | Adequate | Elevated but manageable |
| P/E Ratio (Price-to-Earnings) | 18.9x | Adequate | Fair value |
| Free Cash Flow Yield | 26.6% | Excellent | High cash return |
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. Sector median 20.8%. Source: 10-Q filed 2025-10-30.
Q: What is Ally Financial Inc.'s Free Cash Flow Margin?
Ally Financial Inc. (ALLY) has a free cash flow margin of 47.1%, generating $3.7 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-10-30.
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 18.9x, which is above the sector median of N/A. EV/Sales 2.9x. FCF yield 26.6%. Source: 10-Q filed 2025-10-30.
Q: Does Ally Financial Inc. pay a dividend?
Ally Financial Inc. (ALLY) currently pays a dividend yield of 2.7%. Total shareholder yield (dividend + buybacks) 3.1%. Source: 10-Q filed 2025-10-30.
Q: How much debt does Ally Financial Inc. have?
Ally Financial Inc. (ALLY) has a debt-to-equity ratio of 1.4x with total debt of $21.8 billion. Net debt $10.0 billion. Source: 10-Q filed 2025-10-30.
Q: What is Ally Financial Inc.'s revenue and earnings growth?
Ally Financial Inc. (ALLY) declined revenue by 3.3% year-over-year. EPS +32.0% YoY. Source: 10-Q filed 2025-10-30.
Q: How does Ally Financial Inc. compare to competitors in Financials?
Compared to other companies in Financials, Ally Financial Inc. (ALLY) shows: ROIC N/A, sector median 20.8% (NaNx). FCF margin 47.1%, sector median 22.0% (Top 25%). 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.?
No quantitative warning flags fired for Ally Financial Inc. (ALLY) on margin trend, FCF trend, ROIC trend, or leverage thresholds. Source: 10-Q filed 2025-10-30.
Data Source: Data sourced from 10-Q filed 2025-10-30. TTM metrics as of Q4 2025.
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.