Ally Financial Inc. (ALLY) Financial Ratios Annual - Discounting Cash Flows
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ALLY
Ally Financial Inc.
ALLY (NYSE)
  • Financials

  • Ally Financial Inc. Financial Ratios Annual

Annual Quarterly

* (except for per share items) of USD
Period Ending: LTM
(Last Twelve Months) 		2025
12-31 		2024
12-31 		2023
12-31 		2022
12-31 		2021
12-31 		2020
12-31 		2019
12-31 		2018
12-31 		2017
12-31 		2016
12-31 		2015
12-31 		2014
12-31 		2013
12-31 		2012
12-31 		2011
12-31 		2010
12-31 		2009
12-31 		2008
12-31 		2007
12-31 		2006
12-31 		2005
12-31 		2004
12-31 		2003
12-31 		2002
12-31 		2001
12-31 		2000
12-31 		1999
12-31 		1998
12-31
Price Ratios
Price to Earnings Ratio 14.88 16.52 16.54 11.08 4.52 5.64 12.35 7.01 7.63 14.24 8.49 5.37 9.9 34.51 8.96 -79.36 6 -0.625 3.44 -2.76 3.03 2.82 2.22 2.3 2.28 2.39 2.66 2.79 3.21
Price to Sales Ratio 1.03 1.16 0.675 0.664 0.64 1.61 1.25 1.04 0.925 1.34 0.923 0.703 1.16 1.3 1.06 1.38 0.396 0.399 0.304 0.229 0.182 0.188 0.206 0.319 0.241 0.37 0.443 0.311 0.351
Price to Book Ratio 0.818 0.908 0.795 0.774 0.602 1.01 0.911 0.834 0.726 0.98 0.68 0.515 0.739 0.877 0.539 0.646 0.315 0.309 0.294 0.413 0.448 0.297 0.287 0.318 0.239 0.264 0.304 0.383 0
Price to Free Cash Flow Ratio -42.61 0 10.35 5.9 2.85 -16.01 -23.05 445.1 21.85 490 7.01 16.25 -1.76 -1.86 -4.47 -12.04 0.8 -1.1 1.81 -0.407 -0.195 -0.166 -1.31 1.36 0.576 1.16 0.42 0.418 1.08
Price to Operating Cash Flow Ratio 4.1 0 2.44 2.33 1.24 4.27 3.58 2.97 2.32 3.24 1.98 1.35 3.35 4.98 2.12 2.27 0.555 -1.25 0.456 4.41 -0.438 -0.279 0.68 1.36 0.576 1.16 0.42 0.418 1.08
Price Earnings to Growth Ratio 0.352 0.528 -0.473 -0.248 -0.116 0.03 -0.366 0.15 0.17 -3.06 -0.047 -0.022 -0.045 -0.133 -0.06 2.02 -0.065 0.001 -0.023 0.013 -0.443 -0.133 0.611 -2.19 0.486 0.208 0.538 0.187 0
EV to EBITDA 12.15 0.482 2.11 -0.864 -0.778 -2.56 5.63 13.26 14.89 14.05 14.3 18.88 26.25 29.29 38.76 16.68 -74.41 7.86 32.75 23.64 23.75 22.82 23.38 23.05 19.31 17.13 16.72
Liquidity Ratios
Current Ratio 0.902 0.902 0.198 0.174 0.207 0.275 0.333 0.26 0.187 0.188 0.228 0.295 0.098 0.103 0.151 0.334 0.331 0.851 0.91 0.485 0.371 0.461 61.72 0.169 2.16 1.95 1.35 1.36 0
Quick Ratio 0.902 0.902 0.198 0.174 0.207 0.275 0.333 0.26 0.187 0.188 0.228 0.295 0.098 0.103 0.151 0.334 0.331 0.851 0.91 0.485 0.371 0.461 61.72 0.169 2.16 1.95 1.35 1.36 0
Cash Ratio 0.061 0.061 0.067 0.044 0.036 0.036 0.111 0.028 0.039 0.04 0.066 0.088 0.089 0.094 0.138 0.25 0.254 0.313 0.534 0.394 0.302 0.334 4.81 0.169 0.088 0 0 0 0
Debt Ratio 0.111 0.111 0.1 0.107 0.106 0.094 0.134 0.22 0.304 0.333 0.408 0.469 0.484 0.516 0.45 0.545 0.546 0.61 0.671 0.776 0.824 0.795 0.83 0.829 0.805 0.789 0.793 0.816 0
Debt to Equity Ratio 1.4 1.4 1.38 1.53 1.58 1.01 1.65 2.76 4.1 4.12 5.02 5.53 4.77 5.49 4.12 5.2 4.59 5.04 5.82 12.41 16.49 11.75 12 11.8 10.28 9.42 9.51 10.91 0
Long Term Debt to Capitalization 0.524 0.524 0.557 0.562 0.58 0.5 0.599 0.702 0.769 0.766 0.803 0.831 0.812 0.83 0.789 0.828 0.808 0.807 0.842 0.911 0.931 0.908 0.887 0.922 0.869 0.853 0.805 0.833 0
Total Debt to Capitalization 0.584 0.584 0.58 0.605 0.612 0.502 0.623 0.734 0.804 0.805 0.834 0.847 0.827 0.846 0.805 0.839 0.821 0.834 0.853 0.925 0.943 0.922 0.923 0.922 0.911 0.904 0.905 0.916 0
Interest Coverage Ratio 0.217 0.217 0.112 0.16 0.82 2.01 0.436 0.464 0.446 0.527 0.601 0.573 0.448 0.108 0.127 -0.038 0.171 -0.974 0.454 -0.125 0.143 0.265 0.441 0.58 0.43 0.362 0.308 0.381 0.335
Cash Flow to Debt Ratio 0.142 0 0.235 0.217 0.308 0.235 0.154 0.102 0.076 0.073 0.068 0.069 0.046 0.032 0.062 0.055 0.123 -0.049 0.111 0.008 -0.062 -0.091 0.035 0.02 0.04 0.024 0.076 0.084 0
Margins
Gross Profit Margin 51.98% 51.98% 41.12% 44.48% 64.82% 79.85% 56.33% 54.65% 56.29% 59.35% 63.88% 68.14% 67.11% 60.3% 56.47% 47.17% 56.33% 21.3% 36.1% 37.75% 50.3% 58.46% 62.91% 62.44% 61.34% 32.95% 13.78% 52.34% 52.28%
Operating Profit Margin 8.65% 8.65% 5.11% 6.91% 19.36% 36.05% 13.19% 17.02% 15.56% 15.3% 16.1% 14.15% 12.65% 3.71% 5.11% -1.96% 7% -42.83% 22.35% -6.43% 6.31% 10.19% 13.6% 21.77% 16.64% 24.28% 26.57% 18.16% 15.99%
Pretax Profit Margin 8.65% 8.65% 5.11% 6.91% 19.36% 36.05% 13.19% 17.02% 15.56% 15.3% 16.1% 14.15% 12.65% 3.71% 5.11% -1.96% 7% -42.83% 22.35% -6.43% 6.31% 10.19% 13.6% 21.77% 16.64% 24.28% 26.57% 18.16% 15.99%
Net Profit Margin 7.01% 7.01% 4.08% 5.99% 14.17% 28.61% 10.12% 14.84% 12.12% 9.43% 10.87% 13.09% 11.67% 3.75% 11.88% -1.74% 6.6% -63.84% 8.81% -8.31% 6.01% 6.69% 9.24% 13.87% 10.58% 15.49% 16.65% 11.15% 10.94%
Operating Cash Flow Margin 25.42% 0% 27.66% 28.54% 51.64% 37.8% 34.88% 35.04% 39.82% 41.4% 46.52% 51.92% 34.54% 26% 50.17% 60.88% 71.3% -31.82% 66.51% 5.2% -41.58% -67.67% 30.23% 23.44% 41.86% 31.86% 105.5% 74.54% 32.55%
Free Cash Flow Margin -2.43% 0% 6.52% 11.26% 22.44% -10.08% -5.42% 0.234% 4.23% 0.274% 13.17% 4.33% -65.79% -69.59% -23.8% -11.47% 49.49% -36.35% 16.76% -56.32% -93.24% -113.8% -15.71% 23.44% 41.86% 31.86% 105.5% 74.54% 32.55%
Return
Return on Assets 0.435% 0.435% 0.348% 0.487% 0.894% 1.68% 0.596% 0.949% 0.706% 0.556% 0.652% 0.813% 0.758% 0.239% 0.656% -0.085% 0.625% -5.98% 0.986% -0.937% 0.739% 0.712% 0.893% 0.969% 0.821% 0.927% 0.951% 1.03% 0%
Return on Equity 5.74% 5.5% 4.8% 6.98% 13.33% 17.95% 7.38% 11.9% 9.52% 6.88% 8.01% 9.59% 7.47% 2.54% 6.01% -0.814% 5.25% -49.42% 8.55% -14.98% 14.79% 10.52% 12.91% 13.8% 10.49% 11.07% 11.41% 13.73% 0%
Return on Capital Employed 3.23% 3.23% 2.24% 2.98% 6.45% 9.7% 3.37% 3.7% 2.63% 2.46% 2.23% 1.67% 1.46% 0.406% 0.412% -0.138% 0.938% -5.76% 3.05% -0.923% 0.979% 1.31% 1.33% 2.41% 2.17% 2.55% 3.56% 3.74% 0%
Return on Invested Capital 3.78% 3.78% 2.48% 3.19% 5.58% 8.83% 4.12% 3.47% 2.21% 1.62% 1.71% 1.17% 1.16% 0.507% 1.17% -0.191% 0.908% -6.74% 3.56% -1.26% 1.01% 0.923% 0.975% 1.71% 1.47% 1.59% 2.23% 2.3% 0%
Turnover Ratios
Receivables Turnover Ratio 0.089 0.089 13.19 14.21 12.73 14.71 12.32 16.37 12.99 14.79 17.04 17.58 33.06 33.18 14.98 6.72 18.52 17.94 7.33 9.36 9.96 5.25 0 0 0 0 0 0 0
Payables Turnover Ratio 0.038 0.038 6.91 6.49 5.05 2.71 4.62 4.46 4.38 3.57 3.55 4.23 4.18 2.93 2.93 1.72 2.3 4.36 3.3 4.14 3.96 2.71 3.42 2.42 0.856 3.25 4.7 4.21 0
Inventory Turnover Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fixed Asset Turnover Ratio 1.39 1.39 1.75 1.53 1.02 0.877 1.02 1.19 1.14 1.07 0.829 0.596 0.499 0.537 0.728 0.936 1.71 0.988 0.79 0.853 1.43 1.04 1.1 0 0.679 0.431 0.315 0.445 0
Asset Turnover Ratio 0.062 0.062 0.085 0.081 0.063 0.059 0.059 0.064 0.058 0.059 0.06 0.062 0.065 0.064 0.055 0.049 0.095 0.094 0.112 0.113 0.123 0.106 0.097 0.07 0.078 0.06 0.057 0.092 0
Per Share Items ()
Revenue Per Share 39.11 0 53.33 52.57 38.2 29.49 28.54 29.39 24.51 21.71 20.61 26.5 20.44 20.05 24.39 18.81 65.59 65.11 85.55 113.3 142.6 137.8 126.4 81.3 107.7 70.24 58.62 83.43 73.9
Operating Cash Flow Per Share 9.94 0 14.75 15 19.73 11.15 9.95 10.3 9.76 8.99 9.59 13.76 7.06 5.21 12.24 11.45 46.77 -20.72 56.9 5.89 -59.32 -93.25 38.2 19.05 45.09 22.38 61.87 62.19 24.06
Free Cash Flow Per Share -0.949 0 3.48 5.92 8.57 -2.97 -1.55 0.069 1.04 0.06 2.71 1.15 -13.45 -13.95 -5.8 -2.16 32.46 -23.67 14.33 -63.81 -133 -156.9 -19.85 19.05 45.09 22.38 61.87 62.19 24.06
Cash & Short Term Investments 32.27 32.27 95.47 87.77 98.56 106 120.6 81.22 48.55 41.34 42.33 57.29 12.2 12.37 19.28 30.21 52.69 164.3 104 84.88 72.99 74 91.71 72.56 49.37 0 0 0 0
Earnings Per Share 2.74 0 2.18 3.15 5.41 8.44 2.89 4.36 2.97 2.05 2.24 3.47 2.39 0.752 2.9 -0.327 4.33 -41.57 7.54 -9.41 8.58 9.21 11.68 11.27 11.39 10.88 9.76 9.3 8.09
EBITDA Per Share 6.33 6.33 6.63 7.67 11.59 14.11 7.89 8.96 7.69 7.42 8.32 11.29 8.68 6.71 7.02 5.29 21.11 -3.84 55.34 22.01 38.47 41.28 44.7 39.25 47.42 49.33 49.03 45.77 40.95
Dividend Per Share 1.15 0 1.57 1.57 1.56 1.05 0.769 0.694 0.569 0.406 0.227 6.92 0.556 1.69 1.94 1.71 5.05 6.43 0.456 0.723 19.19 10.09 6.06 0 0 0 0 0 0
Enterprise Value Per Share 76.85 0 3.2 16.22 -10.01 -10.98 -20.18 50.43 102 110.5 116.9 161.5 163.8 176.2 205.5 204.9 352 285.6 435.1 720.8 909.6 980.1 1,020 917.6 1,093 952.4 840 765.5 0
Book Value Per Share 47.78 0 45.3 45.11 40.6 47.02 39.14 36.66 31.21 29.74 27.96 36.18 31.95 29.61 48.23 40.19 82.56 84.12 88.22 62.83 58 87.54 90.49 81.69 108.7 98.31 85.56 67.78 0
Price Per Share 39.09 0 36.01 34.92 24.45 47.61 35.66 30.56 22.66 29.16 19.02 18.64 23.62 25.97 25.97 25.97 25.97 25.97 25.97 25.97 25.97 25.97 25.97 25.97 25.97 25.97 25.97 25.97 0
Dividend Ratios
Dividend Payout Ratio 43.19% 43.77% 72.16% 49.95% 28.82% 12.45% 26.64% 15.92% 19.16% 19.81% 10.12% 199.5% 23.3% 224.4% 67.06% -521.7% 116.6% -15.46% 6.05% -7.68% 223.8% 109.6% 51.83% 0% 0% 0% 0% 0% 0%
Annual Dividend Yield 2.94% 2.65% 4.36% 4.51% 6.38% 2.21% 2.16% 2.27% 2.51% 1.39% 1.19% 37.13% 2.35% 6.5% 7.48% 6.57% 19.44% 24.75% 1.76% 2.78% 73.91% 38.86% 23.32% 0% 0% 0% 0% 0% 0%
Effective Tax Rate 18.93% 18.93% 19.98% 13.06% 26.77% 20.49% 23.2% 12.51% 22.13% 38.55% 29.73% 35.61% 25.76% -16.53% -166.5% -23.73% 13.43% -1.07% -2.87% -21.87% 4.62% 34.41% 32% 36.29% 36.42% 37.41% 37.32% 38.6% 31.56%
Short Term Coverage Ratio 0.658 0 2.79 1.38 2.6 0 1.75 0.732 0.416 0.357 0.36 0.631 0.482 0.293 0.677 0.715 1.55 -0.29 1.36 0.043 -0.337 -0.557 0.103 0 0 0 0 0 0
Capital Expenditure Coverage Ratio 0.913 0 1.31 1.65 1.77 0.789 0.866 1.01 1.12 1.01 1.39 1.09 0.344 0.272 0.678 0.841 3.27 -7.01 1.34 0.085 -0.805 -1.47 0.658 0 0 0 0 0 0
EBIT Per Revenue 0.086 0.086 0.051 0.069 0.194 0.36 0.132 0.17 0.156 0.153 0.161 0.142 0.126 0.037 0.051 -0.02 0.07 -0.428 0.224 -0.064 0.063 0.102 0.136 0.218 0.166 0.243 0.266 0.182 0.16
EBITDA Per Revenue 0.162 0.162 0.124 0.146 0.303 0.478 0.276 0.305 0.314 0.342 0.404 0.426 0.425 0.335 0.288 0.281 0.322 -0.059 0.647 0.194 0.27 0.3 0.354 0.483 0.44 0.702 0.836 0.549 0.554
Days of Sales Outstanding 4,109 4,109 27.67 25.69 28.66 24.81 29.62 22.3 28.09 24.67 21.42 20.76 11.04 11 24.37 54.29 19.71 20.34 49.79 39 36.66 69.52 0 0 0 0 0 0 0
Days of Inventory Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Days of Payables Outstanding 9,485 9,485 52.83 56.28 72.3 134.5 79.05 81.9 83.26 102.2 102.9 86.25 87.31 124.4 124.7 211.7 159 83.73 110.6 88.22 92.21 134.5 106.7 150.7 426.2 112.4 77.71 86.75 0
Cash Conversion Cycle -5,376 -5,376 -25.16 -30.59 -43.63 -109.7 -49.43 -59.61 -55.17 -77.49 -81.52 -65.48 -76.27 -113.4 -100.3 -157.4 -139.3 -63.39 -60.79 -49.22 -55.55 -65.02 -106.7 -150.7 -426.2 -112.4 -77.71 -86.75 0
Cash Conversion Ratio 3.63 0 6.78 4.76 3.64 1.32 3.45 2.36 3.29 4.39 4.28 3.97 2.96 6.93 4.22 -34.99 10.8 0.498 7.55 -0.626 -6.91 -10.12 3.27 1.69 3.96 2.06 6.34 6.68 2.98
Free Cash Flow to Earnings -0.346 0 1.6 1.88 1.58 -0.352 -0.535 0.016 0.349 0.029 1.21 0.33 -5.64 -18.55 -2 6.59 7.49 0.569 1.9 6.78 -15.5 -17.03 -1.7 1.69 3.96 2.06 6.34 6.68 2.98

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