Ally Financial Inc.ALLY
NYSE•Financial Services•Credit Services
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations. It offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing; and financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The company also provides consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers; VSCs, VMCs, and GAP products; and underwrite select commercial insurance coverages, which primarily insure dealers' vehicle inventory. In addition, it provides senior secured asset-based and leveraged cash flow loans to middle-market companies; leveraged loans; commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings; and treasury activities, such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, original issue discount, and equity investments. Further, the company offers deposits and securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.
Ally Financial Inc. (ALLY) reported trailing twelve months revenue of $8.47B as of March 2026, a 9.6% increase year-over-year. Quarterly revenue reached $2.10B, reflecting continued top-line momentum.
Ally Financial Inc. generated $1.40B in TTM net income, with quarterly EBITDA of $778.00M. The operating margin expanded from -18.4% to 19.0%, suggesting improving cost efficiency and pricing discipline.
The spread between operating margin (19.0%) and net margin (15.2%) indicates tight cost control with minimal non-operating drag. Net margin has improved from -14.6% a year ago, signaling stronger bottom-line efficiency.
ALLY trades at a P/E of 8.4x (below the broader market average) and a P/S of 1.4x. The price-to-book ratio of 0.8x suggests the stock trades below its book value.
The company generated $1.37B in free cash flow over the trailing twelve months, a 45.9% increase year-over-year, indicating strong cash generation ability. The balance sheet shows $197.27B in total assets with $14.91B in long-term debt against $15.61B in stockholders equity for a debt-to-equity ratio of 1.0. Data based on the most recent quarterly reports.
Competitive analysis based on 21 quarters of fundamental data
Operating margins are under pressure, averaging 12.0%. The business may lack pricing power or face rising costs.'
ROE is positive at ~4.8% on average, adequate but below the threshold typically associated with wide moats.
Free cash flow is consistently positive and growing — a hallmark of a capital-light business that can self-fund growth.
TTM revenue has grown consistently (6 of 7 quarters up), with ~5.7% growth over the period. Strong demand durability.
Data-driven red flags and warnings across 21 quarters
The company posted negative operating margins in recent quarters — core operations are unprofitable.
FCF covers net income by 1.4x on average — earnings are well-supported by cash generation.
D/E ratio is 1.0 — conservative capital structure with low financial risk.
Revenue is stable or growing over recent quarters — demand appears durable.
Free cash flow is consistently positive — the business self-funds without external capital reliance.
Share count is stable — no significant dilution or buyback activity.