Latest Ratios: P/E Ratio 19.2x · EV/EBITDA 10.5x · ROE 5.8%. (1999–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $13.9B | $14.2B | $11.2B | $10.7B | $7.8B | $17.4B | $13.4B | $12.1B | $9.7B | $13.3B | $9.2B |
| Enterprise Value | $25.7B | $26.0B | $20.1B | $24.7B | $22.5B | $29.5B | $22.2B | $48.3B | $59.5B | $64.7B | $69.9B |
| P/E Ratio → | 19.16 | 19.11 | 20.01 | 12.56 | 4.86 | 5.79 | 12.38 | 7.04 | 7.68 | 14.29 | 8.85 |
| P/S Ratio | 1.15 | 1.17 | 0.68 | 0.67 | 0.64 | 1.63 | 1.25 | 1.05 | 0.93 | 1.35 | 0.93 |
| P/B Ratio | 0.92 | 0.92 | 0.80 | 0.78 | 0.61 | 1.02 | 0.91 | 0.84 | 0.73 | 0.98 | 0.69 |
| P/FCF | — | — | 10.46 | 5.93 | 2.87 | — | — | 447.53 | 21.98 | 491.78 | 7.09 |
| P/OCF | 3.84 | 3.92 | 2.47 | 2.34 | 1.25 | 4.30 | 3.60 | 2.98 | 2.34 | 3.26 | 2.01 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.14 | 1.23 | 1.55 | 1.86 | 2.76 | 2.07 | 4.18 | 5.71 | 6.56 | 7.12 |
| EV / EBITDA | 10.48 | 10.61 | 9.88 | 10.60 | 6.14 | 5.77 | 7.47 | 13.71 | 18.20 | 19.21 | 17.63 |
| EV / EBIT | 24.41 | 24.71 | 24.05 | 22.38 | 9.61 | 7.66 | 15.67 | 24.55 | 36.70 | 42.91 | 44.18 |
| EV / FCF | — | — | 18.83 | 13.73 | 8.29 | — | — | 1788.23 | 134.98 | 2395.00 | 54.02 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 52.0% | 52.0% | 41.1% | 44.5% | 64.8% | 79.8% | 56.3% | 54.7% | 56.3% | 59.3% | 63.9% |
| Operating Margin | 8.6% | 8.6% | 5.1% | 6.9% | 19.4% | 36.0% | 13.2% | 17.0% | 15.6% | 15.3% | 16.1% |
| Net Profit Margin | 7.0% | 7.0% | 4.1% | 6.0% | 14.2% | 28.6% | 10.1% | 14.8% | 12.1% | 9.4% | 10.9% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.8% | 5.8% | 4.8% | 7.2% | 11.5% | 19.3% | 7.5% | 12.4% | 9.4% | 6.9% | 8.0% |
| ROA | 0.4% | 0.4% | 0.3% | 0.5% | 0.9% | 1.7% | 0.6% | 1.0% | 0.7% | 0.6% | 0.7% |
| ROIC | 2.2% | 2.2% | 1.8% | 2.4% | 5.2% | 7.9% | 2.3% | 2.4% | 1.8% | 1.5% | 1.4% |
| ROCE | 3.0% | 3.0% | 2.3% | 3.0% | 6.2% | 9.4% | 3.0% | 3.4% | 2.6% | 2.3% | 2.0% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.40 | 1.40 | 1.38 | 1.53 | 1.58 | 1.01 | 1.65 | 2.76 | 4.10 | 4.12 | 5.02 |
| Debt / EBITDA | 8.89 | 8.89 | 9.45 | 9.00 | 5.53 | 3.36 | 8.21 | 11.29 | 16.62 | 16.53 | 16.86 |
| Net Debt / Equity | — | 0.76 | 0.64 | 1.02 | 1.15 | 0.71 | 0.59 | 2.51 | 3.76 | 3.81 | 4.56 |
| Net Debt / EBITDA | 4.79 | 4.79 | 4.39 | 6.02 | 4.01 | 2.37 | 2.94 | 10.28 | 15.23 | 15.27 | 15.31 |
| Debt / FCF | — | — | 8.37 | 7.81 | 5.42 | — | — | 1340.70 | 113.00 | 1903.22 | 46.93 |
| Interest Coverage | 0.16 | 0.16 | 0.11 | 0.16 | 0.82 | 2.01 | 0.44 | 0.46 | 0.45 | 0.53 | 0.60 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.90 | 0.90 | 0.20 | 0.17 | 0.21 | 0.28 | 0.33 | 0.26 | 0.19 | 0.19 | 0.23 |
| Quick Ratio | 0.90 | 0.90 | 0.20 | 0.17 | 0.21 | 0.28 | 0.33 | 0.26 | 0.19 | 0.19 | 0.23 |
| Cash Ratio | 0.06 | 0.06 | 0.07 | 0.04 | 0.04 | 0.04 | 0.11 | 0.03 | 0.04 | 0.04 | 0.07 |
| Asset Turnover | — | 0.06 | 0.09 | 0.08 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.7% | 2.7% | 3.3% | 3.5% | 4.9% | 1.9% | 2.1% | 2.3% | 2.5% | 1.4% | 1.2% |
| Payout Ratio | 44.5% | 44.5% | 55.7% | 38.5% | 22.4% | 10.6% | 26.6% | 15.9% | 19.2% | 19.8% | 10.1% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.2% | 5.2% | 5.0% | 8.0% | 20.6% | 17.3% | 8.1% | 14.2% | 13.0% | 7.0% | 11.3% |
| FCF Yield | — | — | 9.6% | 16.9% | 34.9% | — | — | 0.2% | 4.6% | 0.2% | 14.1% |
| Buyback Yield | 0.4% | 0.4% | 0.3% | 0.3% | 21.2% | 11.5% | 0.8% | 8.6% | 9.7% | 5.7% | 11.3% |
| Total Shareholder Yield | 3.1% | 3.1% | 3.7% | 3.8% | 26.1% | 13.3% | 2.9% | 10.9% | 12.2% | 7.1% | 12.5% |
| Shares Outstanding | — | $314M | $310M | $305M | $319M | $365M | $377M | $395M | $428M | $455M | $482M |
Used vehicle price volatility
According to current market data, Ally trades at a forward P/E of 8.86, which appears to discount significant earnings volatility compared to the broader financial sector, reflecting investor skepticism regarding the durability of net interest margins in a high-rate environment as reported in recent financial statements.
The discrepancy between the TTM P/E of 19.90 and the forward multiple suggests that the market is pricing in a recovery that remains highly contingent on credit performance. Investors should monitor whether this valuation gap represents a value opportunity or a trap, given the sensitivity of the firm's earnings to used vehicle price fluctuations.
Based on reported figures, Ally's net margin has struggled to maintain consistency, oscillating between a loss of 6.6% in 2025Q1 and a peak of 10.1% in 2025Q3, indicating that the firm's earning power is heavily tethered to the volatile spread between deposit costs and fixed-rate loan yields.
While gross margins have shown resilience at 49.0%, the net margin volatility highlights the impact of credit loss provisions and rising interest expenses. This suggests that the firm's true earning power is currently obscured by the cyclical nature of its loan book and the aggressive repricing of its digital deposit base.
As reported in quarterly filings, ROE has remained muted, hovering near 2.1% in 2026Q1, which suggests that the company is struggling to generate meaningful returns on its equity base compared to historical performance and more diversified peers in the consumer finance industry.
The low ROIC of 0.8% indicates that the firm is currently failing to compound capital effectively, likely due to the combination of elevated credit provisions and high capital intensity. This warrants further investigation into whether the current capital allocation strategy is sufficient to drive long-term shareholder value.
Based on the company's reported figures, the debt-to-equity ratio has remained elevated near 1.38, which, when combined with an interest coverage ratio of 0.26, suggests that the firm's ability to service its obligations is increasingly sensitive to shifts in the interest rate cycle.
The high debt-to-EBITDA levels observed over the last ten quarters indicate that the firm's leverage profile is vulnerable to any further deterioration in credit quality. Investors should monitor the firm's ability to manage its liability structure as the cost of funds continues to pressure net interest income.
Analysts frequently misapply the standard P/B ratio to Ally, which, at 0.96, obscures the significant risks embedded in the firm's loan portfolio and the potential for future credit impairments that are not fully captured by the book value of its assets.
Because Ally operates more like a specialty finance company than a traditional commercial bank, the P/B ratio fails to account for the volatility of its collateral, specifically used vehicle values. A more appropriate metric would be a risk-adjusted return on capital that explicitly accounts for the cyclicality of the automotive credit market.
Includes 30+ ratios · 27 years · Updated daily
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Quick answers to the most common questions about buying ALLY stock.
Ally Financial Inc.'s current P/E ratio is 19.2x. The historical average is 11.4x. This places it at the 91th percentile of its historical range.
Ally Financial Inc.'s current EV/EBITDA is 10.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.0x.
Ally Financial Inc.'s return on equity (ROE) is 5.8%. The historical average is 6.2%.
Based on historical data, Ally Financial Inc. is trading at a P/E of 19.2x. This is at the 91th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Ally Financial Inc.'s current dividend yield is 2.66% with a payout ratio of 44.5%.
Ally Financial Inc. has 52.0% gross margin and 8.6% operating margin.
Ally Financial Inc.'s Debt/EBITDA ratio is 8.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.