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STOCKS

Ally Financial (ALLY)

NYSE:ALLY

ALLY

Ally Financial

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Ally Financial (ALLY) Ratios

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2,431 Followers

Ally Financial Ratios

ALLY's free cash flow for Q2 2025 was $0.35. For the 2025 fiscal year, ALLY's free cash flow was decreased by $ and operating cash flow was

lt;0.01. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	1.78	0.17	11.73	186.54	18.83
Quick Ratio	1.78	0.17	14.34	217.00	25.85
Cash Ratio	1.40	0.04	2.03	24.10	6.13
Solvency Ratio	<0.01	0.01	0.02	0.03	0.01
Operating Cash Flow Ratio	0.56	0.03	2.28	19.25	1.47
Short-Term Operating Cash Flow Coverage	1.09	1.38	2.60	0.00	1.75
Net Current Asset Value	$ -161.44B	$ -154.84B	$ -146.81B	$ -126.13B	$ -119.48B
Leverage Ratios
Debt-to-Assets Ratio	0.11	0.11	0.11	0.09	0.13
Debt-to-Equity Ratio	1.36	1.53	1.57	1.00	1.64
Debt-to-Capital Ratio	0.58	0.60	0.61	0.50	0.62
Long-Term Debt-to-Capital Ratio	0.52	0.56	0.58	0.50	0.60
Financial Leverage Ratio	12.46	14.33	14.92	10.70	12.39
Debt Service Coverage Ratio	0.11	0.21	0.56	2.17	0.41
Interest Coverage Ratio	0.23	0.16	0.46	1.69	0.17
Debt to Market Cap	1.72	1.97	2.60	0.99	1.80
Interest Debt Per Share	86.65	91.78	72.68	52.24	72.90
Net Debt to EBITDA	8.07	6.02	4.10	2.42	3.35
Profitability Margins
Gross Profit Margin	40.46%	44.48%	100.00%	100.00%	100.00%
EBIT Margin	1.62%	6.91%	28.72%	44.46%	22.81%
EBITDA Margin	7.57%	14.59%	44.83%	56.99%	41.06%
Operating Profit Margin	10.49%	6.91%	16.59%	37.23%	9.08%
Pretax Profit Margin	3.30%	6.91%	29.49%	44.46%	22.81%
Net Profit Margin	3.95%	5.99%	21.58%	35.29%	17.50%
Continuous Operations Profit Margin	3.96%	6.01%	21.59%	35.35%	17.52%
Net Income Per EBT	119.84%	86.76%	73.19%	79.38%	76.73%
EBT Per EBIT	31.46%	100.00%	177.69%	119.42%	251.15%
Return on Assets (ROA)	0.33%	0.49%	0.89%	1.68%	0.60%
Return on Equity (ROE)	4.12%	6.98%	13.33%	17.95%	7.38%
Return on Capital Employed (ROCE)	0.90%	2.98%	0.70%	1.77%	0.31%
Return on Invested Capital (ROIC)	1.06%	2.38%	1.29%	2.96%	0.48%
Return on Tangible Assets	0.33%	0.49%	0.90%	1.69%	0.60%
Earnings Yield	5.16%	9.02%	22.14%	17.73%	8.10%
Efficiency Ratios
Receivables Turnover	0.00	14.21	0.00	0.00	2.31
Payables Turnover	0.00	6.49	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	1.53	0.76	0.80	0.64
Asset Turnover	0.08	0.08	0.04	0.05	0.03
Working Capital Turnover Ratio	-0.25	-0.13	0.23	0.21	0.17
Cash Conversion Cycle	0.00	-30.59	0.00	0.00	157.72
Days of Sales Outstanding	0.00	25.69	0.00	0.00	157.72
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	56.28	0.00	0.00	0.00
Operating Cycle	0.00	25.69	0.00	0.00	157.72
Cash Flow Ratios
Operating Cash Flow Per Share	13.64	15.00	19.73	11.15	9.95
Free Cash Flow Per Share	2.05	5.92	8.57	-2.97	-1.55
CapEx Per Share	11.59	9.08	11.15	14.12	11.50
Free Cash Flow to Operating Cash Flow	0.15	0.39	0.43	-0.27	-0.16
Dividend Paid and CapEx Coverage Ratio	1.04	1.41	1.55	0.73	0.81
Capital Expenditure Coverage Ratio	1.18	1.65	1.77	0.79	0.87
Operating Cash Flow Coverage Ratio	0.21	0.22	0.31	0.24	0.15
Operating Cash Flow to Sales Ratio	0.28	0.29	0.79	0.47	0.60
Free Cash Flow Yield	5.52%	16.95%	35.06%	-6.24%	-4.34%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	19.37	11.08	4.52	5.64	12.35
Price-to-Sales (P/S) Ratio	0.76	0.66	0.97	1.99	2.16
Price-to-Book (P/B) Ratio	0.79	0.77	0.60	1.01	0.91
Price-to-Free Cash Flow (P/FCF) Ratio	18.10	5.90	2.85	-16.01	-23.05
Price-to-Operating Cash Flow Ratio	2.73	2.33	1.24	4.27	3.58
Price-to-Earnings Growth (PEG) Ratio	-0.31	-0.27	-0.12	0.03	-0.37
Price-to-Fair Value	0.79	0.77	0.60	1.01	0.91
Enterprise Value Multiple	18.16	10.58	6.27	5.91	8.61
Enterprise Value	20.58B	24.64B	22.33B	29.23B	21.92B
EV to EBITDA	18.16	10.58	6.27	5.91	8.61
EV to Sales	1.37	1.54	2.81	3.37	3.53
EV to Free Cash Flow	32.56	13.71	8.23	-27.11	-37.72
EV to Operating Cash Flow	4.90	5.41	3.58	7.23	5.86
Tangible Book Value Per Share	20.68	42.67	37.70	44.40	38.10
Shareholders’ Equity Per Share	47.24	45.11	40.60	47.02	39.14
Tax and Other Ratios
Effective Tax Rate	-0.20	0.13	0.27	0.20	0.23
Revenue Per Share	48.62	52.57	25.08	23.91	16.51
Net Income Per Share	1.92	3.15	5.41	8.44	2.89
Tax Burden	1.20	0.87	0.73	0.79	0.77
Interest Burden	2.04	1.00	1.03	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.18	0.19	0.27	0.22	0.28
Stock-Based Compensation to Revenue	0.00	0.00	0.01	0.02	0.01
Income Quality	14.01	4.76	3.64	1.32	3.45

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