Ally Financial Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Ally Financial Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 0 of the last 3 years; profit grew in 1 of 3. Less steady than 98% of Financial Services companies in United States.
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 93% of Financial Services companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $99 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 90% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
0/3 · 1/3Sales grew in 0 of the last 3 years; profit grew in 1 of 3.
Less steady than 98% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 5%
Sales fell 5% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-5% / +2%In 3 years sales changed by -5% while total assets changed by +2%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 93% of Financial Services companies in United States.
Tangible Net Worth Ratio
99%Of every $100 of net worth, $99 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 90% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Ally Financial Inc. owes $0.92 for every $1 it owns. Net profit rose 28% in the year to Dec 2025, and shrank 21% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
8.9Investors pay $8.9 for every $1 of Ally Financial Inc.'s yearly profit, lower than 83% of Financial Services companies in United States.
P/B ratio
0.77The share price is 0.77 times Ally Financial Inc.'s book value per share, lower than 88% of Financial Services companies in United States.
Market cap
$11.9 BThe total market value of all of Ally Financial Inc.'s shares at today's price (share price × number of shares), larger than 88% of Financial Services companies in United States. PosiCap size class: Tito Cap.
Net worth (book value)
$15.5 BWhat Ally Financial Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$50.92Net worth divided by the number of shares. The share price of $39.06 is 0.8 times this, which is the P/B above.
Return on equity (ROE)
9.7%Ally Financial Inc. earned 9.7% on its shareholders' money over the last year, lower than 56% of Financial Services companies in United States.
Owes vs Owns
0.92×Ally Financial Inc. owes $0.92 for every $1 it owns (high), higher than 92% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.19%Ally Financial Inc. pays 3.19% of its share price as dividends a year, higher than 58% of dividend-paying Financial Services companies in United States.
Revenue growth
-1%Revenue fell 1% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Profit growth
+28%Net profit rose 28% in the year to Dec 2025, and shrank 21% a year on average over 3 years.
Profit margin
9.7%Ally Financial Inc. keeps $10 of every $100 of revenue as net profit.
Questions
What is Ally Financial Inc.'s P/E ratio?
Investors pay $8.9 for every $1 of Ally Financial Inc.'s yearly profit, lower than 83% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Ally Financial Inc.: $11.9 B ÷ $15.5 B (30 Jun 2026) = 0.8.
What is Ally Financial Inc.'s return on equity?
Ally Financial Inc. earned 9.7% on its shareholders' money over the last year, lower than 56% of Financial Services companies in United States.
How much does Ally Financial Inc. owe compared with what it owns?
Ally Financial Inc. owes $0.92 for every $1 it owns (high), higher than 92% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Ally Financial Inc. pay a dividend?
Yes. Ally Financial Inc. pays 3.19% of its share price as dividends a year, higher than 58% of dividend-paying Financial Services companies in United States.
Is Ally Financial Inc.'s revenue growing?
Revenue fell 1% in the year to Dec 2025, and shrank 2% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.