Ally Financial Inc. (ALLY) Factsheet
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Ally Financial Inc. (ALLY) Stock Analysis
Analysis from 10-Q filed 2025-10-30. Data as of Q2 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin 52.6%. D/E 1.5x. Source: 10-Q filed 2025-10-30.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 52.6% | Strong cash generation |
| Debt/Equity | 1.5x | Moderate leverage |
FCF margin 52.6% — Top 10%.
Explore Ally Financial Inc.: Earnings History | Filings
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. Source: 10-Q filed 2025-10-30.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below cost of capital |
| Return on Equity (ROE) | 9.5% | Adequate | Moderate equity returns |
Cash Flow: Ally Financial Inc. generates $4.6B FCF at 52.6% margin, positive NaN/8 quarters
FCF TTM $4.6B. FCF margin 52.6%, Top 10%. OCF/Net income 3.1x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-10-30.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 52.6% | Excellent | Excellent cash conversion |
| Free Cash Flow (TTM) | $4.6B | Good | Positive cash generation |
| OCF/Net Income | 3.1x | Excellent | High earnings quality |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: Ally Financial Inc. at 1.5x leverage
Debt/Equity 1.5x. Total debt $23.0B, cash & investments $7.8B. Source: 10-Q filed 2025-10-30.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| Debt to Equity | 1.5x | Adequate | Moderate leverage |
| Net Cash Position | $-15.1B | Warning | Net debt position |
Valuation: Ally Financial Inc. trades at 10.6x earnings
P/E 10.6x. EV/Sales 2.8x. FCF yield 32.3%. Dividend yield 2.7%. Source: 10-Q filed 2025-10-30.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| P/E Ratio | 10.6x | Adequate | Reasonable valuation |
| EV/Sales | 2.8x | Good | Attractive revenue multiple |
| FCF Yield | 32.3% | Excellent | Attractive cash return |
| Dividend Yield | 2.7% | Adequate | Growth focus over income |
Capital Allocation: Ally Financial Inc. returns 4.9% shareholder yield
Total shareholder yield 4.9% (div 2.7% + buyback 2.3%). Capital returned $698.0M TTM. Source: 10-Q filed 2025-10-30.
| Metric | ALLY | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 4.9% | Good | Dividend + buyback yield combined |
| Buyback Yield | 2.3% | Adequate | Active share repurchases |
| Total Capital Returned (TTM) | $698.0M | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 52.6% | Top 10% | 2.4x above |
| Return on Equity (ROE) | 9.5% | Bottom 50% | 0.9x below |
| P/E Ratio | 10.6x | N/A | - |
Financial Scorecard
| Metric | ALLY | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 52.6% | Excellent | Top 10% of sector (median: 22.3%) |
| Debt to Equity Ratio | 148.3% | Adequate | Elevated but manageable |
| P/E Ratio (Price-to-Earnings) | 10.6x | Adequate | Attractively valued |
| Free Cash Flow Yield | 32.3% | 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. 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 52.6%, generating $4.6 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 10.6x, which is above the sector median of N/A. EV/Sales 2.8x. FCF yield 32.3%. 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) 4.9%. 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 1.5x with total debt of $23.0 billion. Net debt $15.1 billion. Source: 10-Q filed 2025-10-30.
Q: What is Ally Financial Inc.'s revenue and earnings growth?
Ally Financial Inc. (ALLY) grew revenue by 11.5% year-over-year. EPS +312.1% YoY. Source: 10-Q filed 2025-10-30.
Q: Is Ally Financial Inc. buying back stock?
Ally Financial Inc. (ALLY) repurchased $319.0 million of stock over the trailing twelve months. This represents a buyback yield of 2.3%. 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: FCF margin 52.6%, sector median 22.3% (Top 10%). 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 Q2 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.