# Ally Financial Inc. (ALLY)

- Sector: Financials · Industry: Credit Services
- SEC CIK: 0000040729 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000040729))
- Full page: https://inspectstocks.com/stocks/ally
- Data as of: price 2026-09-25; newest filing used 2026-07-23; latest fiscal period ended 2026-06-30

## Grade

**B** on the balance-sheet rubric used for lenders, 4 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | $1.5B |  |
| Earnings growing overall | passed | $1.5B | $1.2B |
| Earnings growing recently | passed | $1.5B | $852M |
| Earns well on its assets | failed | 0.7% |  |
| Book value per share growing | passed | $49.51 | $40.36 |

Business quality (the + / − mark): 3 of 7 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | 16.8% |  |
| Healthy profit margin | passed | 16.8% |  |
| Good return on equity | failed | 9.4% |  |
| Debt under control | passed | 1.41 |  |
| Earns a wide spread on lending | failed | 1.6% |  |
| Runs the bank efficiently | failed | 94.8% |  |
| Credit losses well covered | failed | 33.8% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $8.7B |
| Net income, trailing twelve months | $1.5B |
| Net margin | 16.8% |
| Return on equity | 9.4% |
| Debt to equity | 1.41 |
| Diluted EPS, trailing twelve months | $4.25 |
| Share price | $38.79 |
| Market value | $11.8B |
| Price / earnings | 9.1x |
| Price / sales | 1.4x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/ally)
- [Financial statements](https://inspectstocks.com/stocks/ally/financials)
- [Competitors](https://inspectstocks.com/stocks/ally/peers)
- [Earnings](https://inspectstocks.com/stocks/ally/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.