A Business at a Glance
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Our Business Ally Financial Inc. (together with its consolidated subsidiaries unless the context otherwise requires, Ally, the Company, we, us, or our) is a financial-services company with $196.0 billion in assets as of December 31, 2025. The Company comprises the nation’s largest all-digital bank and an industry-leading automotive financing and insurance business, driven by a mission to “Do It Right” and be a relentless ally for all stakeholders. The Company serves customers with deposits and securities brokerage and investment advisory services as well as automotive financing and insurance offerings. The Company also includes a seasoned corporate finance business that offers capital for equity sponsors and middle-market companies. Ally is a Delaware corporation and is registered as a BHC under the BHC Act and an FHC under the GLB Act. Our primary business lines are Dealer Financial Services, which is composed of our Automotive Finance and Insurance operations, and Corporate Finance.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.8B | 1.8B | 2.2B | 2.0B | 1.6B | 2.1B |
| Net Income | 742M | 742M | 558M | 847M | 1.6B | 3.0B |
| EPS | $2.37 | $2.37 | $1.80 | $2.77 | $5.03 | $8.22 |
| Free Cash Flow | 3.7B | 3.7B | 4.5B | 4.6B | 6.2B | 4.0B |
| ROIC | 2.1% | 2.6% | 2.1% | 3.2% | 5.9% | 10.0% |
| Gross Margin | 16.2% | 16.2% | 2.3% | 3.3% | 13.2% | 88.3% |
| Debt/Equity | 1.40 | 1.40 | 1.38 | 1.52 | 1.57 | 1.00 |
| Dividends/Share | $1.21 | $1.20 | $1.20 | $1.20 | $1.20 | $0.88 |
| Operating Income | 684M | 684M | 658M | 582M | 495M | 686M |
| Operating Margin | 38.8% | 38.8% | 29.7% | 28.4% | 30.8% | 33.3% |
| ROE | 4.8% | 5.0% | 4.0% | 6.4% | 10.7% | 18.9% |
| Shares Outstanding | 313M | 313M | 310M | 306M | 319M | 365M |
Ally Financial Inc. passes 1 of 9 quality checks, indicating weak fundamentals.
Ally Financial Inc. trades at 18.0x trailing earnings, compared to its 15-year median P/E of 8.6x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 3.6x vs a median of 2.4x. The company's 5-year average ROIC is 4.8% with a gross margin of 24.7%. Total shareholder yield (dividends + buybacks) is 3.3%. At current prices, the estimated annualized return to fair value is +7.7%.
Ally Financial Inc. (ALLY) has a current P/E ratio of 18.0, compared to its historical median P/E of 8.6. The stock is currently considered Expensive based on its historical valuation range.
Ally Financial Inc. (ALLY) has a 5-year average return on invested capital (ROIC) of 4.8%. This is below average and may indicate limited pricing power.
Ally Financial Inc. (ALLY) has a market capitalization of $13.3B. It is classified as a large-cap stock.
Yes, Ally Financial Inc. (ALLY) pays a dividend with a trailing twelve-month yield of 2.84%. The company also returns capital through share buybacks, with a buyback yield of 0.44%.
Based on historical P/E analysis, Ally Financial Inc. (ALLY) appears expensive. The current P/E of 18.0 is 108% above its historical median of 8.6. The estimated fair value CAGR (P/E method) is -6.1%.
Ally Financial Inc. (ALLY) operates in the State Commercial Banks industry, within the Financials sector.
Ally Financial Inc. (ALLY) reported annual revenue of $1.8 billion in its most recent fiscal year, based on SEC EDGAR filings.
Ally Financial Inc. (ALLY) has a net profit margin of 42.1%. This is a strong margin indicating high profitability.
Ally Financial Inc. (ALLY) generated $3.7 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Ally Financial Inc. (ALLY) has a debt-to-equity ratio of 1.40. This indicates moderate leverage.
Ally Financial Inc. (ALLY) reported earnings per share (EPS) of $2.37 in its most recent fiscal year.
Ally Financial Inc. (ALLY) has a return on equity (ROE) of 5.0%. This indicates moderate shareholder returns.
Ally Financial Inc. (ALLY) has a 5-year average gross margin of 24.7%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 16 years of financial data for Ally Financial Inc. (ALLY), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Ally Financial Inc. (ALLY) has a book value per share of $49.50, based on its most recent annual SEC filing.