Ally Financial Inc. ALLY

Latest FY: 2025 Financial Services Credit Services
Market Price $42.05
Market Cap $12.89B
P/E Ratio 17.74
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↓-3.3% YoY
$7.91B
3-Yr CAGR: 105.8%
Net Income ↑27.5% YoY
$852.00M
Net Margin: 10.8%
Free Cash Flow ↓-51.3% YoY
$2.04B
FCF Yield: 15.80%
EPS (Diluted) ↑31.7% YoY
$2.37
Basic: $2.39
Return on Equity Efficiency
5.5%
ROA: 0.4%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (ALLY)

All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
  • FY 2019: Revenue YoY (+5.5%) is identical to Gross Profit YoY (+5.5%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
  • FY 2020: Revenue YoY (+3.6%) is identical to Gross Profit YoY (+3.6%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
  • FY 2021: Revenue YoY (+13.1%) is identical to Gross Profit YoY (+13.1%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
  • FY 2022: Revenue YoY (+6.6%) is identical to Gross Profit YoY (+6.6%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $5,437.0M $2,466.0M $1,067.0M $2.15 $0.16 0.84% $4,567.0M $4,567.0M
FY 2017 $5,765.0M +6.0% $2,576.0M $929.0M -12.9% $2.04 -5.1% $0.40 1.37% $4,079.0M $4,079.0M -10.7%
FY 2018 $689.0M -88.0% $689.0M $1,263.0M +36.0% $2.95 +44.6% $0.56 2.47% $4,150.0M $4,150.0M +1.7%
FY 2019 $727.0M +5.5% $727.0M $1,715.0M +35.8% $4.34 +47.1% $0.68 2.23% $4,050.0M $4,050.0M -2.4%
FY 2020 $753.0M +3.6% $753.0M $1,085.0M -36.7% $2.88 -33.6% $0.76 2.13% $3,739.0M $3,739.0M -7.7%
FY 2021 $852.0M +13.1% $852.0M $3,060.0M +182.0% $8.22 +185.4% $0.88 1.85% $4,042.0M $4,042.0M +8.1%
FY 2022 $908.0M +6.6% $908.0M $1,714.0M -44.0% $5.03 -38.8% $1.20 4.91% $6,247.0M $5,738.0M +42.0%
FY 2023 $8,234.0M +806.8% $1,337.0M $1,020.0M -40.5% $2.98 -40.8% $1.20 3.44% $4,663.0M $4,194.0M -26.9%
FY 2024 $8,181.0M -0.6% $709.0M $668.0M -34.5% $1.80 -39.6% $1.20 3.33% $4,528.0M $4,180.0M -0.3%
FY 2025 $7,914.0M -3.3% $1,506.0M $852.0M +27.5% $2.37 +31.7% $1.20 2.65% $3,729.0M $2,037.0M -51.3%
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Valuation

Market Price $42.05
Market Cap $12.89B
Enterprise Value $19.93B
P/E Ratio 17.74
P/B Ratio 0.83
FCF Yield 15.80%
Dividend Yield 2.85%
Shares Outstanding 306,523,100
%

Profitability & Margins

Gross Margin 19.03%
Operating Margin 13.28%
Net Margin 10.77%
Return on Equity (ROE) 5.50%
Return on Assets (ROA) 0.43%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 105.80%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 1.101
Debt / Assets 0.087
Cash & Equivalents $10.03B
Total Debt $17.07B
Book Value / Share $50.56
💧

Cash Flow Efficiency

Operating Cash Flow $3.73B
Capital Expenditures (CapEx) $1.69B
Free Cash Flow $2.04B
OCF / Revenue 47.12%
FCF / Revenue 25.74%
FCF 3-Yr CAGR -29.19%
🏷️

Per Share Metrics

EPS (Diluted) $2.37
EPS (Basic) $2.39
Dividends / Share $1.20
Book Value / Share $50.56
EPS YoY Growth 31.67%
🏛️

Balance Sheet (FY 2025)

Total Assets $196.00B
Total Liabilities $180.50B
Stockholders' Equity $15.50B
Current Assets N/A
Current Liabilities N/A