Ally Financial is a U.S.-based digital bank and consumer lender, originally spun out of General Motors' financing arm. Auto lending is the core business — it finances car purchases for consumers and provides inventory/floor-plan financing to dealerships, together accounting for over 70% of its loan portfolio. Revenue comes from interest income on those loans. Beyond auto, Ally earns fee and interest income from auto insurance, credit cards, commercial loans, and a mortgage portfolio. It also operates an online retail bank (deposits) that funds its lending, and offers basic brokerage services. Primary customers are individual car buyers, auto dealerships, and retail deposit customers across the U.S.
Employees10,300IPOApr 11, 2014SIC6159HQ500 Woodward Avenue, Floor 10, Ally Detroit Center, Detroit, MI, USA, 48226
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Financials (EUR)
Profitability
Metric
Current
Margins
Gross Margin
—
Operating Margin
—
EBITDA Margin
—
Net Margin
15.1%
OCF Margin
47.5%
FCF Margin
8.1%
Returns on Capital
ROE
9.5%
ROA
0.8%
ROIC
—
ROCE
0.0%
ROC (Greenblatt)
0.0%
3Y ROIIC
0.0%
Consistency
Years Profitable / 10Y
10
Valuation
Metric
Current
Earnings Multiples
P/E (TTM)
10.13
Forward P/E
8.41
P/E ex-NRI
9.41
Shiller P/E (CAPE)
10.03
Cash Flow Multiples
P/FCF
17.53
P/OCF
2.94
P/Owner Earnings
—
FCF Yield
5.83%
Enterprise Value Multiples
EV / EBIT
—
EV / Forward EBIT
—
EV / EBITDA
—
EV / Forward EBITDA
—
EV / Revenue
3.07
EV / Forward Revenue
4.17
Asset / Sales
P/S
1.40
P/B
0.97
P/Tangible Book
0.98
Growth-Adjusted
PEG
47.05
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
2.67%
Forward Dividend Yield
2.74%
3Y Dividend Growth
0.0%
Payout Ratio
0.26
5Y Yield on Cost
4.24%
Buybacks & Dilution
3Y Buyback Ratio
−1.00%
5Y Share Change
−17.0%
Combined
Shareholder Yield
−12.95%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
1.44
Gross Debt / EBITDA
—
Cash / Debt
0.35
Equity / Assets
0.08
Coverage
Interest Coverage
—
Short-Term Liquidity
Current Ratio
0.00
Quick Ratio
0.00
Cash Ratio
0.00
Composite Scores
Piotroski F-Score
8
Altman Z-Score
—
Split History
Date
Split
No split history found.
Ex-date
Amount
Pay date
2026-07-31
$0.3
2026-08-14
2026-05-04
$0.3
2026-05-15
2026-02-02
$0.3
2026-02-17
2025-10-31
$0.3
2025-11-14
2025-08-01
$0.3
2025-08-15
2025-05-02
$0.3
2025-05-15
2025-01-31
$0.3
2025-02-14
2024-11-01
$0.3
2024-11-15
2024-08-01
$0.3
2024-08-15
2024-04-30
$0.3
2024-05-15
10 of 40
View allDate
Transcript
Type
2026-01-21
Q4 2025 Ally Financial Inc Earnings Call Transcript
Earnings Call
2025-10-17
Q3 2025 Ally Financial Inc Earnings Call Transcript
Earnings Call
2025-07-18
Q2 2025 Ally Financial Inc Earnings Call Transcript
Earnings Call
2025-04-17
Q1 2025 Ally Financial Inc Earnings Call Transcript
Earnings Call
2025-01-22
Q4 2024 Ally Financial Inc Earnings Call Transcript
Earnings Call
2024-10-18
Q3 2024 Ally Financial Inc Earnings Call Transcript
Earnings Call
2024-07-17
Q2 2024 Ally Financial Inc Earnings Call Transcript
Earnings Call
2024-04-18
Q1 2024 Ally Financial Inc Earnings Call Transcript
Earnings Call
2024-01-19
Q4 2023 Ally Financial Inc Earnings Call Transcript
Earnings Call
2023-12-06
Ally Financial Inc at Goldman Sachs Financial Services Conference (Virtual) Transcript
Conference Presentations
10 of 54
5-Step DuPont Analysis
ROE %
9.59%
×
×
Net Margin %
15.10%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
€8.28B
×
Tax Burden
0.7916
Net Income
€1.25B
÷
Pretax Income
€1.58B
×
Interest Burden
—
Pretax Income
€1.58B
÷
Operating Income
—
×
Asset Turnover
0.05
÷
Revenue
€8.28B
÷
Average Total Assets
€168.84B
Begin Total Assets
€164.27B
End Total Assets
€173.40B
×
Equity Multiplier
12.96
÷
Avg Total Assets
€168.84B
÷
Avg Stockholders Equity
€13.03B
Begin Equity
€12.61B
End Equity
€13.45B