Stocktoria

Ally Financial Inc. ALLY

NYSE · stock · State Commercial Banks · website · IPO 2014-04-10 · LEI

Ally Financial Inc. statistics & valuation

Market cap$14.5B
P / E17.0×
P / S1.8×
P / B0.9×
Dividend yield2.62%
Net margin10.8%
Return on equity5.5%
Net debt$7.0B
Enterprise value USD$21.5B
Graham number +16.1%$51.38

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($51.38); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
19.60% 16.10% 21.80% 26.80% 16.20% 37.30% 20.30% 11.60% 8.20% 10.80% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.00% 6.90% 9.50% 11.90% 7.40% 17.90% 13.30% 7.00% 4.80% 5.50% 2016201720182019202020212022202320242025
Shares outstanding
482.2M 455.4M 427.7M 395.4M 377.1M 365.2M 318.6M 305.1M 310.2M 313.0M 2016201720182019202020212022202320242025
Net debt ($)
$48.19B $39.97B $39.66B $30.47B $6.38B $11.97B $12.19B $10.62B $7.20B $7.04B 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.70% 0.60% 0.70% 0.90% 0.60% 1.70% 0.90% 0.50% 0.30% 0.40% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
4.06× 3.28× 3.33× 2.36× 1.50× 1.00× 1.38× 1.28× 1.26× 1.10× 2016201720182019202020212022202320242025
EPS ($)
$2.15 $2.04 $2.95 $4.34 $2.88 $8.22 $5.03 $2.77 $1.80 $2.37 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Ally Financial Inc. trades at about 18.7× earnings — above its 10-year norm (10-year range 5.8×–21.7×, median 13.1×).

5.8× 21.7×

Shaded band = 10-year range (5.8×–21.7×); dot = today's 18.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin10.8%8.2%11.6%20.3%37.3%16.2%26.8%21.8%16.1%19.6%
Return on assets0.4%0.3%0.5%0.9%1.7%0.6%0.9%0.7%0.6%0.7%
Return on equity5.5%4.8%7.0%13.3%17.9%7.4%11.9%9.5%6.9%8.0%
Debt / equity1.10×1.26×1.28×1.38×1.00×1.50×2.36×3.33×3.28×4.06×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.