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STOCKS

Ally Financial (ALLY)

NYSE:ALLY

ALLY

Ally Financial

RESEARCH TOOLSreports

Ally Financial (ALLY) Ratios

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2,518 Followers

Ally Financial Ratios

ALLY's free cash flow for Q4 2025 was $0.48. For the 2025 fiscal year, ALLY's free cash flow was decreased by $ and operating cash flow was $0.10. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.90	0.90	0.20	0.17	0.21
Quick Ratio	0.90	0.90	0.20	0.17	0.21
Cash Ratio	0.06	0.06	0.07	0.04	0.04
Solvency Ratio	0.01	0.01	0.01	0.01	0.02
Operating Cash Flow Ratio	0.02	0.02	0.03	0.03	0.04
Short-Term Operating Cash Flow Coverage	0.80	0.77	2.79	1.38	2.60
Net Current Asset Value	$ -33.12B	$ -33.12B	$ -147.39B	$ -154.84B	$ -146.81B
Leverage Ratios
Debt-to-Assets Ratio	0.11	0.11	0.10	0.11	0.11
Debt-to-Equity Ratio	1.40	1.40	1.38	1.53	1.58
Debt-to-Capital Ratio	0.58	0.58	0.58	0.60	0.61
Long-Term Debt-to-Capital Ratio	0.52	0.52	0.56	0.56	0.58
Financial Leverage Ratio	12.65	12.65	13.80	14.33	14.92
Debt Service Coverage Ratio	0.20	0.20	0.21	0.21	0.58
Interest Coverage Ratio	0.16	0.16	0.11	0.16	0.82
Debt to Market Cap	1.96	1.55	1.73	1.97	2.60
Interest Debt Per Share	90.65	90.65	87.01	91.78	73.12
Net Debt to EBITDA	4.79	4.79	4.39	6.02	4.01
Profitability Margins
Gross Profit Margin	48.11%	51.98%	41.12%	44.48%	64.82%
EBIT Margin	6.92%	8.65%	5.11%	6.91%	19.36%
EBITDA Margin	16.11%	20.14%	12.43%	14.59%	30.33%
Operating Profit Margin	6.92%	8.65%	5.11%	6.91%	19.36%
Pretax Profit Margin	6.92%	8.65%	5.11%	6.91%	19.36%
Net Profit Margin	5.61%	7.01%	4.08%	5.99%	14.17%
Continuous Operations Profit Margin	5.61%	7.01%	4.09%	6.01%	14.18%
Net Income Per EBT	81.07%	81.07%	79.90%	86.76%	73.19%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.43%	0.43%	0.35%	0.49%	0.89%
Return on Equity (ROE)	5.74%	5.50%	4.80%	6.98%	13.33%
Return on Capital Employed (ROCE)	3.23%	3.23%	2.24%	2.98%	6.45%
Return on Invested Capital (ROIC)	2.29%	2.29%	1.72%	2.38%	4.43%
Return on Tangible Assets	0.43%	0.43%	0.35%	0.49%	0.90%
Earnings Yield	7.34%	6.05%	6.04%	9.02%	22.14%
Efficiency Ratios
Receivables Turnover	0.11	0.09	13.19	14.21	12.73
Payables Turnover	0.05	0.04	6.91	6.49	5.05
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	1.73	1.39	1.75	1.53	1.02
Asset Turnover	0.08	0.06	0.09	0.08	0.06
Working Capital Turnover Ratio	-0.22	-0.17	-0.13	-0.13	-0.11
Cash Conversion Cycle	-3.73K	-5.38K	-25.16	-30.59	-43.63
Days of Sales Outstanding	3.29K	4.11K	27.67	25.69	28.66
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	7.02K	9.48K	52.83	56.28	72.30
Operating Cycle	3.29K	4.11K	27.67	25.69	28.66
Cash Flow Ratios
Operating Cash Flow Per Share	12.04	11.67	14.75	15.00	19.73
Free Cash Flow Per Share	-1.72	-2.08	3.48	5.92	8.57
CapEx Per Share	13.76	13.76	11.27	9.08	11.15
Free Cash Flow to Operating Cash Flow	-0.14	-0.18	0.24	0.39	0.43
Dividend Paid and CapEx Coverage Ratio	0.79	0.76	1.15	1.41	1.55
Capital Expenditure Coverage Ratio	0.88	0.85	1.31	1.65	1.77
Operating Cash Flow Coverage Ratio	0.17	0.17	0.24	0.22	0.31
Operating Cash Flow to Sales Ratio	0.25	0.30	0.28	0.29	0.52
Free Cash Flow Yield	-4.62%	-4.60%	9.66%	16.95%	35.06%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.12	16.52	16.54	11.08	4.52
Price-to-Sales (P/S) Ratio	0.73	1.16	0.68	0.66	0.64
Price-to-Book (P/B) Ratio	0.72	0.91	0.79	0.77	0.60
Price-to-Free Cash Flow (P/FCF) Ratio	-20.81	-21.76	10.35	5.90	2.85
Price-to-Operating Cash Flow Ratio	2.99	3.88	2.44	2.33	1.24
Price-to-Earnings Growth (PEG) Ratio	0.31	0.53	-0.47	-0.25	-0.12
Price-to-Fair Value	0.72	0.91	0.79	0.77	0.60
Enterprise Value Multiple	9.33	10.54	9.82	10.58	6.12
Enterprise Value	23.28B	25.81B	19.99B	24.64B	22.47B
EV to EBITDA	9.51	10.54	9.82	10.58	6.12
EV to Sales	1.53	2.12	1.22	1.54	1.86
EV to Free Cash Flow	-43.60	-39.89	18.72	13.71	8.28
EV to Operating Cash Flow	6.22	7.11	4.41	5.41	3.60
Tangible Book Value Per Share	49.87	49.87	43.33	42.67	37.70
Shareholders’ Equity Per Share	49.87	49.87	45.30	45.11	40.60
Tax and Other Ratios
Effective Tax Rate	0.19	0.19	0.20	0.13	0.27
Revenue Per Share	48.89	39.11	53.33	52.57	38.20
Net Income Per Share	2.74	2.74	2.18	3.15	5.41
Tax Burden	0.81	0.81	0.80	0.87	0.73
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.18	0.22	0.19	0.19	0.23
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	4.39	4.26	6.78	4.76	3.64

Currency in USD