Ally Financial Inc. (ALLY) Key Metrics
ALLY valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $11.46B
- Enterprise value
- $28.57B
- P/E (TTM)
- 8.9 10-yr median 9.9
- Forward P/E
- 6.0
- PEG ratio
- 0.34
- Price / sales
- 1.5 10-yr median 1.0
- Price / book
- 0.9 10-yr median 0.8
- EV / EBITDA
- — 10-yr median 10.6
- Dividend yield
- 3.18% $1.20 a year
- Beta
- 1.10
ALLY key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsALLY valuation Price multiples at each fiscal year-end price.
ALLY returns How much profit the business earns on the capital it uses.
ALLY per-share figures Results divided by the shares outstanding at year-end.
ALLY financial health Debt, liquidity and how easily interest is covered.
ALLY efficiency & capital use Working capital cycle and where the cash goes.
ALLY valuation history
ALLY returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
ALLY debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
ALLY cash returned to shareholders
ALLY price vs earnings per share
ALLY key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $14.23B | $11.17B | $10.66B | $7.79B | $17.39B | $13.45B | $12.08B | $9.69B | $13.28B | $9.17B |
| Enterprise value | $25.97B | $1.10B | $4.98B | −$3.12B | −$726.8M | −$7.53B | $19.90B | $43.42B | $50.16B | $55.81B |
| P/E ratio | 16.7 | 16.7 | 11.1 | 4.5 | 5.7 | 12.4 | 7.0 | 7.7 | 14.3 | 8.6 |
| Price / sales | 1.2 | 0.7 | 0.7 | 0.8 | 2.0 | 1.8 | 1.0 | 0.9 | 1.3 | 0.9 |
| Price / book | 0.9 | 0.8 | 0.8 | 0.6 | 1.0 | 0.9 | 0.8 | 0.7 | 1.0 | 0.7 |
| Price / free cash flow | — | 10.5 | 5.9 | 2.9 | — | — | 447.5 | 22.0 | 491.8 | 7.1 |
| Price / operating cash flow | 3.9 | 2.5 | 2.3 | 1.2 | 4.3 | 3.6 | 3.0 | 2.3 | 3.3 | 2.0 |
| EV / sales | 2.1 | 0.1 | 0.3 | -0.3 | -0.1 | -1.0 | 1.7 | 4.2 | 5.1 | 5.7 |
| EV / EBITDA | 10.6 | 0.5 | 2.1 | — | — | — | 5.6 | 13.3 | 14.9 | 14.1 |
| EV / free cash flow | — | 1.0 | 2.8 | — | — | — | 737.0 | 98.5 | — | 43.2 |
| Earnings yield | 6.0% | 6.0% | 9.0% | 22.0% | 17.6% | 8.1% | 14.2% | 13.0% | 7.0% | 11.6% |
| Free cash flow yield | −4.5% | 9.6% | 16.9% | 34.9% | −6.2% | −4.3% | 0.2% | 4.6% | 0.2% | 14.1% |
| Dividend yield | 3.4% | 4.3% | 4.5% | 6.3% | 2.2% | 2.1% | 2.3% | 2.5% | 1.4% | 1.2% |
| Shareholder yield (dividends + buybacks) | 3.9% | 4.7% | 4.8% | 27.5% | 29.2% | 2.9% | 10.9% | 12.2% | 7.1% | 12.5% |
| Share price at fiscal year-end | $45.29 | $36.01 | $34.92 | $24.45 | $47.61 | $35.66 | $30.56 | $22.66 | $29.16 | $19.02 |
| Per share | ||||||||||
| Revenue per share | $38.67 | $52.78 | $52.33 | $29.32 | $24.40 | $20.25 | $29.23 | $24.37 | $21.64 | $20.36 |
| Earnings per share | $2.71 | $2.15 | $3.14 | $5.38 | $8.38 | $2.88 | $4.34 | $2.95 | $2.04 | $2.21 |
| Operating cash flow per share | $11.54 | $14.60 | $14.93 | $19.61 | $11.07 | $9.92 | $10.24 | $9.70 | $8.96 | $9.47 |
| Free cash flow per share | −$2.06 | $3.44 | $5.89 | $8.52 | −$2.95 | −$1.54 | $0.07 | $1.03 | $0.06 | $2.68 |
| Cash per share | $31.91 | $94.47 | $87.37 | $97.96 | $105.28 | $120.14 | $80.78 | $48.26 | $41.19 | $41.82 |
| Book value per share | $49.31 | $44.83 | $44.91 | $40.36 | $46.69 | $38.99 | $36.46 | $31.02 | $29.63 | $27.62 |
| Tangible book value per share | $48.71 | $42.87 | $42.48 | $37.47 | $44.09 | $37.95 | $35.29 | $30.32 | $28.58 | $26.62 |
| Dividends per share | $1.56 | $1.55 | $1.57 | $1.55 | $1.04 | $0.77 | $0.69 | $0.57 | $0.40 | $0.22 |
| Capex per share | $13.60 | $11.16 | $9.04 | $11.08 | $14.02 | $11.46 | $10.17 | $8.67 | $8.90 | $6.79 |
| Debt per share | $69.26 | $62.00 | $68.76 | $63.70 | $55.68 | $64.52 | $100.54 | $127.13 | $122.19 | $138.54 |
| Shares outstanding | 314.3M | 310.2M | 305.1M | 318.6M | 365.2M | 377.1M | 395.4M | 427.7M | 455.4M | 482.2M |
| Change in shares outstanding | +1.3% | +1.6% | −4.2% | −12.7% | −3.2% | −4.6% | −7.5% | −6.1% | −5.6% | −0.1% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 5.8% | 4.8% | 7.2% | 11.5% | 19.3% | 7.5% | 12.4% | 9.4% | 6.9% | 8.0% |
| Return on invested capital (ROIC) | 5.5% | 11.3% | 19.2% | 931.7% | — | — | 5.0% | 2.6% | 1.7% | 1.8% |
| Return on assets (ROA) | 0.4% | 0.3% | 0.5% | 0.9% | 1.7% | 0.6% | 1.0% | 0.7% | 0.6% | 0.7% |
| Return on tangible assets | 0.4% | 0.3% | 0.5% | 0.9% | 1.7% | 0.6% | 1.0% | 0.7% | 0.6% | 0.7% |
| Free cash flow margin | −5.3% | 6.5% | 11.3% | 29.1% | −12.1% | −7.6% | 0.2% | 4.2% | 0.3% | 13.2% |
| Income quality (OCF / net income) | 4.26 | 6.78 | 4.76 | 3.64 | 1.32 | 3.45 | 2.36 | 3.29 | 4.39 | 4.28 |
| Financial health | ||||||||||
| Total debt | $21.77B | $19.23B | $20.98B | $20.30B | $20.33B | $24.33B | $39.75B | $54.37B | $55.64B | $66.80B |
| Cash & short-term investments | $10.03B | $29.30B | $26.66B | $31.21B | $38.45B | $45.31B | $31.94B | $20.64B | $18.75B | $20.16B |
| Net debt | $11.73B | −$10.07B | −$5.68B | −$10.91B | −$18.11B | −$20.98B | $7.82B | $33.73B | $36.88B | $46.64B |
| Debt / equity | 1.40 | 1.38 | 1.53 | 1.58 | 1.19 | 1.65 | 2.76 | 4.10 | 4.12 | 5.02 |
| Debt / assets | 0.11 | 0.10 | 0.11 | 0.11 | 0.11 | 0.13 | 0.22 | 0.30 | 0.33 | 0.41 |
| Net debt / EBITDA | 4.79 | −4.95 | −2.44 | −1.67 | −2.58 | −3.81 | 2.22 | 10.31 | 10.96 | 11.77 |
| Current ratio | 0.90 | 0.20 | 0.17 | 0.21 | 186.54 | 0.33 | 0.26 | 0.19 | 0.19 | 0.23 |
| Quick ratio | 0.90 | 0.20 | 0.25 | 0.25 | 217.00 | 0.46 | 0.30 | 0.26 | 0.20 | 0.29 |
| Interest coverage | 0.2 | 0.1 | 0.2 | 2.0 | 3.4 | 1.4 | 0.5 | 0.4 | 0.5 | 0.6 |
| Working capital | −$16.05B | −$124.05B | −$131.55B | −$123.38B | $38.96B | −$93.46B | −$94.26B | −$95.23B | −$85.86B | −$71.52B |
| Invested capital | $27.23B | $3.83B | $8.02B | $1.95B | −$1.06B | −$6.27B | $22.23B | $47.00B | $50.38B | $59.95B |
| Tangible asset value | $15.31B | $13.30B | $12.96B | $11.94B | $16.10B | $14.31B | $13.95B | $12.97B | $13.01B | $12.84B |
| Net current asset value | −$33.12B | −$147.39B | −$154.84B | −$146.81B | −$126.13B | −$120.73B | −$133.03B | −$143.63B | −$133.73B | −$129.23B |
| Graham number | $54.85 | $46.61 | $56.29 | $69.89 | $93.82 | $50.24 | $59.65 | $45.40 | $36.88 | $37.08 |
| Graham net-net per share | −$215.95 | −$476.21 | −$527.48 | −$472.74 | −$354.64 | −$345.93 | −$345.29 | −$347.36 | −$295.96 | −$275.60 |
| Capital allocation | ||||||||||
| Dividends paid | $489.0M | $482.0M | $478.0M | $494.0M | $381.0M | $289.0M | $273.0M | $242.0M | $184.0M | $108.0M |
| Share buybacks (net) | $59.0M | $38.0M | $33.0M | $1.65B | $4.70B | $106.0M | $1.04B | $939.0M | $753.0M | $1.04B |
| Dividend payout ratio | 57.4% | 72.2% | 49.9% | 28.8% | 12.5% | 26.6% | 15.9% | 19.2% | 19.8% | 10.1% |
| Dividends + buybacks / free cash flow | — | 48.7% | 28.4% | 79.0% | — | — | — | 267.8% | — | 88.6% |
| Capex / revenue | 35.2% | 21.1% | 17.3% | 37.8% | 57.5% | 56.6% | 34.8% | 35.6% | 41.1% | 33.4% |
| Capex / operating cash flow | 117.8% | 76.4% | 60.5% | 56.5% | 126.7% | 115.5% | 99.3% | 89.4% | 99.3% | 71.7% |
| Capex / depreciation | 3.06 | 2.89 | 2.25 | 2.66 | 4.06 | 2.79 | 2.59 | 2.25 | 2.18 | 1.37 |
| Stock-based compensation / revenue | — | — | 0.8% | 1.1% | 1.6% | 1.0% | 0.6% | 0.7% | 0.6% | 0.6% |
| SG&A / revenue | 25.2% | 20.3% | 20.5% | 28.2% | 24.9% | 22.8% | 19.0% | 19.8% | 20.0% | 18.7% |
| Efficiency | ||||||||||
| Days sales outstanding | 2,072.9 | 26.4 | 23.7 | 32.8 | 32.7 | 37.7 | 23.8 | 25.7 | 23.0 | 21.1 |
| Days of inventory on hand | — | — | -387.7 | 1,909.3 | -2,057.0 | -913.2 | -485.2 | -366.0 | -313.3 | -310.7 |
| Days payables outstanding | 4,785.9 | 52.3 | 45.5 | -148.2 | 103.7 | 85.4 | 77.1 | 86.5 | 96.6 | 89.6 |
| Cash conversion cycle (days) | -2,713.0 | -25.9 | -409.5 | 2,090.2 | -2,128.0 | -960.9 | -538.6 | -426.8 | -387.0 | -379.2 |
| Receivables turnover | 0.18 | 13.84 | 15.40 | 11.14 | 11.16 | 9.69 | 15.33 | 14.20 | 15.86 | 17.28 |
| Payables turnover | 0.08 | 6.98 | 8.02 | −2.46 | 3.52 | 4.28 | 4.73 | 4.22 | 3.78 | 4.07 |
| Asset turnover | 0.06 | 0.08 | 0.08 | 0.05 | 0.05 | 0.04 | 0.06 | 0.06 | 0.06 | 0.06 |
| Average receivables | $69.02B | $1.18B | $1.04B | $838.5M | $798.5M | $788.0M | $754.0M | $734.0M | $621.0M | $568.0M |
| Average payables | $76.52B | $1.38B | $1.10B | $526.5M | $612.0M | $1.09B | $1.11B | $1.08B | $1.06B | $870.5M |
| Average inventory | — | — | −$9.42B | −$6.78B | −$12.14B | −$11.71B | −$6.97B | −$4.57B | −$3.44B | −$3.02B |
| Intangibles / total assets | 0.1% | 0.3% | 0.4% | 0.5% | 0.5% | 0.2% | 0.3% | 0.2% | 0.3% | 0.3% |
Computed from ALLY's annual financial statements (latest annual report filed February 25, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
ALLY valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Ally Financial traded at 16.7 times earnings, against a 10-year median of 9.9. Based on the latest twelve months, the trailing P/E is 8.9 and the forward P/E is 6.0. Ally Financial earned a return on equity of 5.8% and a return on invested capital of 5.5% in fiscal 2025. It ended the year with $21.8 billion of debt and $10.0 billion in cash and short-term investments, net debt of $11.7 billion. It returned $548.0 million to shareholders: $489.0 million in dividends and $59.0 million in share buybacks. The share count fell 34.8% from 482.2M to 314.3M over 9 years.
See the ALLY income statement, the ALLY chart for price history, or the ALLY stock overview for the latest quote and news.
ALLY key metrics FAQ
What is Ally Financial's P/E ratio?
Ally Financial's trailing P/E ratio is 8.9 based on the last twelve months of earnings (as of October 17, 2026), and its forward P/E is 6.0. At the end of fiscal 2025 it was 16.7, compared with a 10-year median of 9.9.
What is Ally Financial's EV/EBITDA?
Ally Financial's enterprise value was 10.6 times EBITDA at the end of fiscal 2025 (enterprise value $26.0 billion, EBITDA $2.4 billion).
What is Ally Financial's return on equity?
Ally Financial's return on equity (ROE) was 5.8% in fiscal 2025: net income of $852.0 million on average shareholders' equity of $14.7 billion.
What is Ally Financial's ROIC?
Ally Financial's return on invested capital was 5.5% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Ally Financial have?
Ally Financial had total debt of $21.8 billion at the end of fiscal 2025, a debt-to-equity ratio of 1.40 and $11.7 billion of net debt (4.79 times EBITDA).
What is Ally Financial's dividend yield?
Ally Financial's forward dividend yield is 3.18%. Ally Financial paid $489.0 million in dividends in fiscal 2025 ($1.56 per share), a payout ratio of 57.4%.
Does Ally Financial buy back its shares?
Yes. Ally Financial spent $59.0 million on net share repurchases in fiscal 2025 Shares outstanding changed +1.3% over the year, to 314.3M..
What is Ally Financial's free cash flow yield?
Ally Financial generated -$647.0 million of free cash flow in fiscal 2025, a free cash flow yield of −4.5% on its market value at year-end ($14.2 billion).
What is Ally Financial's current ratio?
Ally Financial's current ratio was 0.90 at the end of fiscal 2025: current assets were 0.90 times current liabilities.