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.
Employees10,700IPOMay 16, 2019SIC6159HQ500 Woodward Avenue, Floor 10, Ally Detroit Center, Detroit, MI, USA, 48226
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Financials (MXN)
Profitability
Metric
Current
Margins
Gross Margin
—
Operating Margin
—
EBITDA Margin
—
Net Margin
9.1%
OCF Margin
—
FCF Margin
−2.6%
Returns on Capital
ROE
5.8%
ROA
0.4%
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)
17.12
Forward P/E
7.88
P/E ex-NRI
10.48
Shiller P/E (CAPE)
10.71
Cash Flow Multiples
P/FCF
—
P/OCF
3.11
P/Owner Earnings
—
FCF Yield
−2.03%
Enterprise Value Multiples
EV / EBIT
—
EV / Forward EBIT
—
EV / EBITDA
—
EV / Forward EBITDA
—
EV / Revenue
2.91
EV / Forward Revenue
4.03
Asset / Sales
P/S
1.34
P/B
0.94
P/Tangible Book
0.94
Growth-Adjusted
PEG
—
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
3.10%
Forward Dividend Yield
2.90%
3Y Dividend Growth
10.9%
Payout Ratio
0.32
5Y Yield on Cost
5.92%
Buybacks & Dilution
3Y Buyback Ratio
3.30%
5Y Share Change
−17.0%
Combined
Shareholder Yield
−8.86%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
1.40
Gross Debt / EBITDA
—
Cash / Debt
0.46
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
7
Altman Z-Score
—
Split History
Date
Split
No split history found.
Ex-date
Amount
Pay date
2026-02-03
$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
2024-01-31
$0.3
2024-02-15
2023-10-31
$0.3
2023-11-15
10 of 22
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 %
5.51%
×
×
Net Margin %
8.68%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
MX$180.05B
×
Tax Burden
0.8108
Net Income
MX$15.62B
÷
Pretax Income
MX$19.27B
×
Interest Burden
—
Pretax Income
MX$19.27B
÷
Operating Income
—
×
Asset Turnover
0.05
÷
Revenue
MX$180.05B
÷
Average Total Assets
MX$3.75T
Begin Total Assets
MX$3.91T
End Total Assets
MX$3.58T
×
Equity Multiplier
13.22
÷
Avg Total Assets
MX$3.75T
÷
Avg Stockholders Equity
MX$283.29B
Begin Equity
MX$283.25B
End Equity
MX$283.32B