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Friday 6 November 2026
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Ally Financial Inc.
ALLY Financial Credit Services
Ally Financial Inc.’s revenue for fiscal 2025 (year ended December 2025) was $15.3 billion, down 6.89% from fiscal 2024.
- Revenue
- +4.53%
- EPS
- +10.9%
- Free cash flow
- +32.7%
- Total debt
- +12.1%
Quarter to September 2026, against a year earlier
38.89
0.47
−1.19%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
8.90 | 14.36 | 7.66 | 7.01 | 12.38 | 5.78 | 4.90 | 11.83 | 18.43 | 18.95 |
Piotroski F-Score |
6 | 5 | 7 | 7 | 6 | 7 | 6 | 7 | 6 | 6 |
P/S ratio |
0.94 | 1.35 | 0.92 | 1.03 | 1.24 | 1.61 | 0.63 | 0.67 | 0.67 | 0.92 |
P/FCF ratio |
2.03 | 3.27 | 2.32 | 2.97 | 3.58 | 4.27 | 1.24 | 2.36 | 2.44 | 3.77 |
P/Operating CF |
9.46 | 18.91 | 11.95 | 13.10 | 11.80 | 18.00 | 6.59 | (87.32) | 11.62 | 21.94 |
P/B ratio |
0.69 | 0.99 | 0.73 | 0.83 | 0.91 | 1.17 | 0.73 | 0.94 | 0.95 | 1.07 |
Price to Tangible BV |
0.69 | 0.99 | 0.73 | 0.83 | 0.91 | 1.17 | 0.73 | 0.94 | 0.95 | 1.07 |
EV/Sales |
5.84 | 5.41 | 4.71 | 3.66 | 1.83 | 2.73 | 1.63 | 1.34 | 1.11 | 1.38 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
12.58 | 13.07 | 11.88 | 10.49 | 5.29 | 7.23 | 3.19 | 4.69 | 4.03 | 5.65 |
EV/FCF |
12.58 | 13.07 | 11.88 | 10.49 | 5.29 | 7.23 | 3.19 | 4.69 | 4.03 | 5.65 |
Quick Ratio |
0.06 | 0.04 | 0.04 | 0.03 | 0.11 | 0.04 | 0.04 | 0.04 | 0.07 | 0.06 |
Current Ratio |
1.34 | 1.20 | 1.15 | 1.03 | 0.94 | 0.88 | 0.89 | 0.90 | 0.93 | 0.92 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
33.06% | 26.46% | 24.71% | 18.84% | 12.08% | 9.35% | 9.26% | 8.95% | 9.12% | 8.71% |
Debt/Equity |
4.06 | 3.28 | 3.33 | 2.36 | 1.50 | 1.00 | 1.38 | 1.28 | 1.26 | 1.10 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 | 0.08 | 0.08 | 0.08 |
Operating CF/Net income |
4.40 | 4.39 | 3.29 | 2.36 | 3.45 | 1.32 | 3.64 | 5.38 | 8.11 | 5.03 |
Capex/Depreciation |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 7.96% | 6.93% | 9.44% | 12.39% | 7.45% | 20.80% | 13.57% | 7.73% | 4.86% | 6.00% | |
| 0.64% | 0.56% | 0.73% | 0.95% | 0.60% | 1.68% | 0.92% | 0.44% | 0.29% | 0.38% | |
ROIC |
1.61% | 1.76% | 1.92% | 2.74% | 4.19% | 8.30% | 5.84% | 2.83% | 2.48% | 2.91% |
Return on Tangible Assets |
3.26% | 4.38% | 7.22% | 39.49% | (13.46%) | (17.81%) | (10.21%) | (5.43%) | (4.92%) | (5.99%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
39.21% | 43.16% | 39.96% | 38.10% | 48.44% | 40.70% | 49.89% | 43.72% | 44.10% | 42.98% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(2.68) | (1.92) | (3.09) | (2.75) | (2.50) | (2.19) | (4.91) | (3.42) | (2.93) | (2.36) |
Graham Number |
36.68 | 37.04 | 45.59 | 59.97 | 50.36 | 86.77 | 61.05 | 50.20 | 40.73 | 47.80 |
Earnings Yield |
11.23% | 6.97% | 13.06% | 14.27% | 8.08% | 17.31% | 20.39% | 8.46% | 5.43% | 5.28% |
Free Cash Flow Yield |
49.36% | 30.55% | 43.08% | 33.70% | 27.91% | 23.41% | 80.78% | 42.43% | 40.97% | 26.56% |
Revenue per Share |
20.44 | 21.75 | 24.62 | 29.54 | 28.70 | 29.48 | 38.52 | 52.58 | 53.40 | 49.22 |
Operating CF per Share |
9.49 | 8.99 | 9.76 | 10.30 | 9.95 | 11.15 | 19.73 | 15.00 | 14.75 | 12.03 |
Capex per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Free Cash Flow per Share |
9.49 | 8.99 | 9.76 | 10.30 | 9.95 | 11.15 | 19.73 | 15.00 | 14.75 | 12.03 |
Cash per Share |
12.33 | 9.37 | 10.67 | 9.04 | 41.59 | 13.96 | 17.59 | 22.86 | 33.53 | 32.35 |
Shareholders Equity per Share |
27.68 | 29.74 | 31.21 | 36.66 | 39.14 | 47.02 | 40.60 | 45.11 | 45.30 | 49.99 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
27.68 | 29.74 | 31.21 | 36.66 | 39.14 | 47.02 | 40.60 | 45.11 | 45.30 | 49.99 |
Free Cash Flow |
4,567.00 | 4,079.00 | 4,150.00 | 4,050.00 | 3,739.00 | 4,042.00 | 6,247.00 | 4,557.00 | 4,528.00 | 3,729.00 |
Working Capital |
31,856.00 | 21,200.00 | 17,497.00 | 4,343.00 | (8,061.00) | (17,185.00) | (16,792.00) | (15,601.00) | (11,345.00) | (12,391.00) |
Capital Expenditures |
(3,274.00) | (4,052.00) | (3,709.00) | (4,023.00) | (4,320.00) | (5,120.00) | (3,532.00) | — | — | — |
Net Current Asset Value |
(24,772.00) | (25,630.00) | (29,740.00) | (32,989.00) | (33,505.00) | (37,728.00) | (38,007.00) | (36,680.00) | (32,375.00) | (33,117.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
5.85 | 8.86 | 5.94 | 6.11 | 9.47 | 4.48 | 3.30 | 9.74 | 13.22 | 13.36 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
6.22% | 6.58% | 6.69% | 7.79% | 7.15% | 10.33% | 17.26% | 11.92% | 10.86% | 8.75% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.04 | 0.03 | 0.04 | 0.04 | 0.03 | 0.01 | 0.02 | 0.04 | 0.05 | 0.04 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
10,971.10 | 11,914.05 | 10,655.75 | 10,387.57 | 15,423.42 | 26,995.13 | 19,456.91 | 8,185.17 | 7,404.24 | 8,637.93 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
72,750.00 | 86,139.00 | 99,717.00 | 113,465.00 | 128,894.00 | 139,297.00 | 146,927.50 | 153,481.50 | 153,120.00 | 151,611.50 |
Average Assets |
161,154.50 | 165,438.00 | 173,008.50 | 179,756.50 | 181,404.50 | 182,139.50 | 186,970.00 | 194,077.50 | 194,082.50 | 193,919.00 |
Average Common Equity |
13,030.00 | 13,405.50 | 13,381.00 | 13,842.00 | 14,559.50 | 14,714.50 | 12,630.50 | 10,957.00 | 11,479.00 | 12,376.50 |
Columns are period end dates · fundamentals updated 5 Nov 2026