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Ally Financial (ALLY) Ratios
Ally Financial Ratios
ALLY's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, ALLY's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.90 | 0.20 | 0.17 | 0.21 | 0.28 |
| Quick Ratio | 0.90 | 0.20 | 0.17 | 0.21 | 0.28 |
| Cash Ratio | 0.06 | 0.07 | 0.04 | 0.04 | 0.04 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.02 | 0.03 |
| Operating Cash Flow Ratio | 0.02 | 0.03 | 0.03 | 0.04 | 0.03 |
| Short-Term Operating Cash Flow Coverage | 0.77 | 2.79 | 1.38 | 2.60 | 0.00 |
| Net Current Asset Value | $ -33.12B | $ -147.39B | $ -154.84B | $ -146.81B | $ -125.89B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.11 | 0.10 | 0.11 | 0.11 | 0.09 |
| Debt-to-Equity Ratio | 1.40 | 1.38 | 1.53 | 1.58 | 1.01 |
| Debt-to-Capital Ratio | 0.58 | 0.58 | 0.60 | 0.61 | 0.50 |
| Long-Term Debt-to-Capital Ratio | 0.52 | 0.56 | 0.56 | 0.58 | 0.50 |
| Financial Leverage Ratio | 12.65 | 13.80 | 14.33 | 14.92 | 10.68 |
| Debt Service Coverage Ratio | 0.20 | 0.21 | 0.21 | 0.58 | 2.26 |
| Interest Coverage Ratio | 0.16 | 0.11 | 0.16 | 0.82 | 2.01 |
| Debt to Market Cap | 1.55 | 1.73 | 1.97 | 2.60 | 0.99 |
| Interest Debt Per Share | 90.65 | 87.01 | 91.78 | 73.12 | 52.73 |
| Net Debt to EBITDA | 4.79 | 4.39 | 6.02 | 4.01 | 2.37 |
| Profitability Margins | |||||
| Gross Profit Margin | 51.98% | 41.12% | 44.48% | 64.82% | 79.85% |
| EBIT Margin | 8.65% | 5.11% | 6.91% | 19.36% | 36.05% |
| EBITDA Margin | 20.14% | 12.43% | 14.59% | 30.33% | 47.84% |
| Operating Profit Margin | 8.65% | 5.11% | 6.91% | 19.36% | 36.05% |
| Pretax Profit Margin | 8.65% | 5.11% | 6.91% | 19.36% | 36.05% |
| Net Profit Margin | 7.01% | 4.08% | 5.99% | 14.17% | 28.61% |
| Continuous Operations Profit Margin | 7.01% | 4.09% | 6.01% | 14.18% | 28.66% |
| Net Income Per EBT | 81.07% | 79.90% | 86.76% | 73.19% | 79.38% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.43% | 0.35% | 0.49% | 0.89% | 1.68% |
| Return on Equity (ROE) | 5.50% | 4.80% | 6.98% | 13.33% | 17.95% |
| Return on Capital Employed (ROCE) | 3.23% | 2.24% | 2.98% | 6.45% | 9.70% |
| Return on Invested Capital (ROIC) | 2.29% | 1.72% | 2.38% | 4.43% | 7.71% |
| Return on Tangible Assets | 0.43% | 0.35% | 0.49% | 0.90% | 1.69% |
| Earnings Yield | 6.05% | 6.04% | 9.02% | 22.14% | 17.73% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.09 | 13.19 | 14.21 | 12.73 | 14.71 |
| Payables Turnover | 0.04 | 6.91 | 6.49 | 5.05 | 2.71 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 1.39 | 1.75 | 1.53 | 1.02 | 0.88 |
| Asset Turnover | 0.06 | 0.09 | 0.08 | 0.06 | 0.06 |
| Working Capital Turnover Ratio | -0.17 | -0.13 | -0.13 | -0.11 | -0.11 |
| Cash Conversion Cycle | -5376.04 | -25.16 | -30.59 | -43.63 | -109.67 |
| Days of Sales Outstanding | 4108.52 | 27.67 | 25.69 | 28.66 | 24.81 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 9484.56 | 52.83 | 56.28 | 72.30 | 134.48 |
| Operating Cycle | 4108.52 | 27.67 | 25.69 | 28.66 | 24.81 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 11.67 | 14.75 | 15.00 | 19.73 | 11.15 |
| Free Cash Flow Per Share | -2.08 | 3.48 | 5.92 | 8.57 | -2.97 |
| Dividend Paid and CapEx Coverage Ratio | 0.76 | 1.15 | 1.41 | 1.55 | 0.73 |
| Capital Expenditure Coverage Ratio | 0.85 | 1.31 | 1.65 | 1.77 | 0.79 |
| Operating Cash Flow Coverage Ratio | 0.17 | 0.24 | 0.22 | 0.31 | 0.23 |
| Operating Cash Flow to Sales Ratio | 0.30 | 0.28 | 0.29 | 0.52 | 0.38 |
| Free Cash Flow Yield | -4.60% | 9.66% | 16.95% | 35.06% | -6.24% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 18.95 | 19.79 | 11.08 | 4.52 | 5.64 |
| Price-to-Sales (P/S) Ratio | 1.16 | 0.68 | 0.66 | 0.64 | 1.61 |
| Price-to-Book (P/B) Ratio | 0.91 | 0.79 | 0.77 | 0.60 | 1.01 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -21.76 | 10.35 | 5.90 | 2.85 | -16.01 |
| Price-to-Operating Cash Flow Ratio | 3.88 | 2.44 | 2.33 | 1.24 | 4.27 |
| Price-to-Earnings Growth (PEG) Ratio | 0.61 | -0.57 | -0.25 | -0.12 | 0.03 |
| Enterprise Value Multiple | 10.54 | 9.82 | 10.58 | 6.12 | 5.75 |
| Enterprise Value | 25.81B | 19.99B | 24.64B | 22.47B | 29.40B |
| EV to EBITDA | 10.54 | 9.82 | 10.58 | 6.12 | 5.75 |
| EV to Sales | 2.12 | 1.22 | 1.54 | 1.86 | 2.75 |
| EV to Free Cash Flow | -39.89 | 18.72 | 13.71 | 8.28 | -27.28 |
| EV to Operating Cash Flow | 7.11 | 4.41 | 5.41 | 3.60 | 7.27 |
| Tangible Book Value Per Share | 49.87 | 43.33 | 42.67 | 37.70 | 44.40 |
| Shareholders’ Equity Per Share | 49.87 | 45.30 | 45.11 | 40.60 | 47.02 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.20 | 0.13 | 0.27 | 0.20 |
| Revenue Per Share | 39.11 | 53.33 | 52.57 | 38.20 | 29.49 |
| Net Income Per Share | 2.74 | 2.18 | 3.15 | 5.41 | 8.44 |
| Tax Burden | 0.81 | 0.80 | 0.87 | 0.73 | 0.79 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.25 | 0.20 | 0.19 | 0.23 | 0.23 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 4.26 | 6.78 | 4.76 | 3.64 | 1.32 |
Currency in USD
