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Ally Financial Inc.

ALLY

$43.73 ▼ -0.34 (-0.76%) at close

18 Visible periods

26 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Bearish

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Analytical Summary

Ally Financial Inc. faces fundamental challenges with weakness in Debt to Equity. The fundamentals warrant careful consideration of downside risks.

Market Cap $13.6B

Dividend Yield 2.74%

Revenue Growth —

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 18.3x

Price / Book 0.9x

FCF Yield —

Debt / Equity 1.40

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Net Income Profit after all expenses

$852.00M

↑ +27.5% —

Long-Term Debt Long-term obligations

$17.07B

↓ -2.4% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.20 Latest / share

+0.0% YoY

FY 2014

$0.00

FY 2015

$0.16

FY 2016

$0.40

FY 2017

$0.56

FY 2018

$0.68

FY 2019

$0.76

FY 2020

$0.88

FY 2021

$1.20

FY 2022

$1.20

FY 2023

$1.20

FY 2024

$1.20

FY 2025

Financial view

Statement lens

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📈 Is growth accelerating? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
EPS Growth YoY (%)	31.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-39.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-40.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-38.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	186.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-33.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	46.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	44.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-4.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	N/M	N/M	29.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	95.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	27.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-34.5% Weak ↓ Weak Declining Year-over-year change in net income	-40.5% Weak ↓ Weak Declining Year-over-year change in net income	-44.0% Weak ↓ Weak Declining Year-over-year change in net income	182.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-36.7% Weak ↓ Weak Declining Year-over-year change in net income	35.8% Excellent ↑ Excellent Improving Year-over-year change in net income	36.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-12.9% Weak ↓ Weak Declining Year-over-year change in net income	-17.2% Weak ↓ Weak Declining Year-over-year change in net income	12.1% Fair ↓ Fair Declining Year-over-year change in net income	218.6% Excellent Excellent Year-over-year change in net income	-69.8% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS CAGR 3Y (%)	-22.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-39.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	40.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.1% Good ↓ Good Declining Compound annual EPS growth over 3 years	26.6% Excellent Excellent Compound annual EPS growth over 3 years	—	3.9% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Effective Tax Rate (%) (%)	18.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.5% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.1% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	5.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	4.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	13.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	17.9% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+50%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	6.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	8.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	9.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	7.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	6.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	-0.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-107%)	5.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	1.40x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+17%)	1.38x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+15%)	1.52x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+26%)	1.57x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+31%)	1.00x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-17%)	1.64x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+37%)	2.74x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+129%)	4.08x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+240%)	4.12x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+244%)	5.02x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+318%)	5.53x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+361%)	4.77x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+297%)	5.49x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+358%)	4.12x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+244%)	5.22x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+335%)	4.59x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+283%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Basic EPS, GAAP (USD)	$2.39	$1.82	$3.00	$5.06	$8.28	$2.89	$4.36	$2.97	$2.05	$2.15	$-2.66	$1.83	$-1.64	$296.00	$-691.00	$-981.00	$-21.77K	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.20	$1.20	$1.20	$1.20	$0.88	$0.76	$0.68	$0.56	$0.40	$0.16	$0.00	—	—	—	—	—	—	—
Book Value per Share (USD)	$50.35	$45.63	$45.64	$42.82	$48.77	$39.33	$37.59	$31.85	$30.87	$28.52	$27.88	$32.07	$29.61	—	—	—	—	—
Tangible Book Value per Share (USD)	$49.73	$43.64	$43.18	$39.75	$46.05	$38.28	$36.38	$31.13	$30.33	$28.00	$27.83	$32.07	$29.61	—	—	—	—	—
Basic Weighted Avg Shares (shares)	310.01M	306.91M	303.75M	316.69M	362.58M	375.63M	393.23M	425.17M	453.70M	481.11M	482,873	481.15M	420.17M	1.33M	1.33M	800,597	529,392	—
Dividend Payout Ratio (%)	50.2% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	65.9% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	40.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	26.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	15.6% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	18.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	19.5% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	7.4% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$17.07B	$17.50B	$17.57B	$17.76B	$17.03B	$22.01B	$34.03B	$44.19B	$44.23B	$54.13B	$66.23B	$66.38B	$69.47B	$74.56B	$92.89B	$86.61B	—	—
Total Equity (USD)	$15.50B	$13.90B	$13.77B	$12.86B	$17.05B	$14.70B	$14.42B	$13.27B	$13.49B	$13.32B	$13.44B	$15.40B	$14.21B	$19.90B	$19.28B	$20.49B	—	—

📋 What is driving earnings? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Income, GAAP (USD)	$852.00M	$668.00M	$1.02B	$1.71B	$3.06B	$1.08B	$1.72B	$1.26B	$929.00M	$1.07B	$1.29B	$1.15B	$361.00M	$1.20B	$-157.00M	$1.07B	$-10.30B	—
Operating Cash Flow (USD)	$3.73B	$4.53B	$4.66B	$6.25B	$4.04B	$3.74B	$4.05B	$4.15B	$4.08B	$4.57B	$5.11B	$3.40B	$2.50B	$5.05B	$5.49B	$11.61B	$-5.13B	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 68 quarters

Ally Financial Inc.

Analytical Summary

18-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

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