Ally Financial is a U.S. digital bank built primarily around auto lending. It originates consumer auto loans and provides financing to car dealerships, which together make up over 70% of its loan portfolio. Customers are retail car buyers and auto dealers across the country.
Beyond auto, Ally earns revenue from auto insurance, credit cards, commercial loans, and a held mortgage portfolio. It also offers retail deposit accounts and brokerage services, which fund its lending operations. Money is made on the spread between what it pays depositors and what it charges borrowers, plus insurance premiums and fees.
Employees10,300IPOJan 25, 2018SIC6159HQ500 Woodward Avenue, Floor 10, Ally Detroit Center, Detroit, MI, USA, 48226
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Financials
Profitability
Metric
Current
Margins
Gross Margin
—
Operating Margin
—
EBITDA Margin
—
Net Margin
15.1%
OCF Margin
47.4%
FCF Margin
7.9%
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)
8.90
Forward P/E
7.10
P/E ex-NRI
8.27
Shiller P/E (CAPE)
8.74
Cash Flow Multiples
P/FCF
15.40
P/OCF
2.59
P/Owner Earnings
—
FCF Yield
6.64%
Enterprise Value Multiples
EV / EBIT
—
EV / Forward EBIT
—
EV / EBITDA
—
EV / Forward EBITDA
—
EV / Revenue
2.92
EV / Forward Revenue
3.94
Asset / Sales
P/S
1.23
P/B
0.86
P/Tangible Book
0.87
Growth-Adjusted
PEG
41.33
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
3.20%
Forward Dividend Yield
3.20%
3Y Dividend Growth
0.0%
Payout Ratio
0.26
5Y Yield on Cost
4.33%
Buybacks & Dilution
3Y Buyback Ratio
−1.00%
Combined
Shareholder Yield
−14.81%
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
2026-05-01
$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
2025-05-01
$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
2024-01-31
$0.3
2024-02-15
10 of 32
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 %
9.68%
×
×
Net Margin %
15.10%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
$9.63B
×
Tax Burden
0.7919
Net Income
$1.45B
÷
Pretax Income
$1.84B
×
Interest Burden
—
Pretax Income
$1.84B
÷
Operating Income
—
×
Asset Turnover
0.05
÷
Revenue
$9.63B
÷
Average Total Assets
$194.62B
Begin Total Assets
$189.47B
End Total Assets
$199.77B
×
Equity Multiplier
12.96
÷
Avg Total Assets
$194.62B
÷
Avg Stockholders Equity
$15.02B
Begin Equity
$14.55B
End Equity
$15.49B