ALLY
Ally Financial Inc.
Financials • CIK: 0000040729
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Market Cap
$12.01B
P/E (TTM)
37.5x
Rev Growth (TTM)
—
Net Margin (TTM)
5.5%
FCF Yield (TTM)
—
FCF Margin (TTM)
47.3%
Cash Flow Health
Free Cash Flow7/8 positive
TTM$3.7B
Q2 '25
$947M+1%
Q1 '25
$940M-1%
FCF Margin
TTM47.3%
Q2 '2545.5%-25%
Sector: 22.2%Top 25%
OCF Margin–
OCF/NI8.53x
CapEx Coverage–
FCF Yield–
FCF Growth (2Y)–
Cash Conversion Cycle
–
Capital Allocation & Returns
Shareholder Friendly
Total Shareholder YieldEst.
Est.19.7%
Div Yield3.1%
+Est. Buyback16.6%
Strong capital returns to shareholders
Dividend & Payout Metrics
Dividend Yield (TTM)3.1%
FCF Payout Ratio10.0%
Free Cash Flow (TTM)$3.7B
Stock Repurchases ()$43.0M
Est. Dividends Paid (TTM)$370.1M
Estimated: Buyback data estimated from FCF. Actual repurchase data not available for this company.
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
8.5%
P25MedianP75
75th pctl (med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
25.0%
Asset Turnover
0.04x
Leverage (1+D/E)
2.36x
D/E: 1.36x
DuPont: 2.4% ≈ 8.5% ROIC
Asset & CapEx Efficiency
Invested Cap Turn
0.34x
8Q:–
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $7.8B | $2.1B↑35.1% | $1.5B↓25.1% | $2.1B↓2.1% | $2.1B↑4.0% | $2.0B↑1.2% | $2.0B↓4.3% | $2.1B↑6.0% | $2.0B |
Operating Income | $2.3B | $820.0M↑981.7% | $-93.0M↓113.3% | $698.0M↓20.5% | $878.0M↑19.3% | $736.0M↑6.7% | $690.0M↑2.8% | $671.0M↓8.8% | $736.0M |
Net Income | $433.0M | $352.0M↑256.4% | $-225.0M↓308.3% | $108.0M↓45.5% | $198.0M↓9.6% | $219.0M↑53.1% | $143.0M↑130.6% | $62.0M↓78.2% | $285.0M |
Operating Cash Flow | $3.7B | $947.0M↑0.7% | $940.0M↓1.2% | $951.0M↑11.0% | $857.0M↓41.1% | $1.5B↑14.8% | $1.3B↑2534.6% | $-52.0M↓103.2% | $1.6B |
Free Cash Flow | $3.7B | $947.0M↑0.7% | $940.0M↓1.2% | $951.0M↑11.0% | $857.0M↓41.1% | $1.5B↑14.8% | $1.3B↑2534.6% | $-52.0M↓103.2% | $1.6B |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
37.5x
Valuation Lenses
Earnings
37.5x
vs – sector
Cash Flow
5.4x
EV/FCF vs –
Growth-Adj
–PEG
N/A
Quality-Adj
4.4P/E per %ROIC
ROIC: 8.5%
Shareholder Returns
Dividend
3.1%
Buyback
–
Total Yield
–
Market Cap$12.01B
EV–
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
59/100
Average
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Bottom 25%
3.0%
8Q:–
Return on Invested Capital (ROIC)Top 25%
8.5%
8Q:–
vs Sector:0.1%
DuPont Analysis (ROIC = NOPAT Margin × Asset Turnover)
NOPAT Margin: 25.0%
Asset Turnover: 0.04x
Earnings Quality
Cash Conversion
8.53x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin100.0%
Capital Efficiency
Invested Capital Turnover0.34x
Working Capital
Cash Conversion Cycle–
Growth Quality & Momentum
Growth Rates
Revenue Growth YoY
N/A
OpInc Growth YoY
11.4%
EPS Growth YoY
N/A
FCF 3Y CAGR
N/A
Margin Quality & Sustainability
Low Quality
Profitability Cascade
Gross
100.0%
Operating
29.9%
Above Avg in sector
Net
5.5%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+41.7 pts
FCF: 47.3% | Net: 5.5%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Leveraged
Net Debt / EBITDA
–Net Debt: $8.22B
Interest Coverage
–
Leverage Metrics
Debt-to-Equity
1.36x
Balance sheet risk & solvency analysis