Ally Financial Inc. cash flow to debt ratio of 16.67% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Ally Financial Inc.'s free cash flow has decreased 160.58% from $1.07B last year to $-647.00M, signaling decreasing performance

Ally Financial Inc.'s debt to equity ratio is 1.48, which means that the company's assets are unhealthy financed, signaling financial risk.

Ally Financial Inc.'s debt has increased relative to shareholder equity from 1.38 last year to 1.48 today, signaling weakened financials

Ally Financial Inc. has a net debt to EBITDA ratio of 4.79x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Ally Financial Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Ally Financial Inc.'s profit margin has increased (124.92%) in the last year from 4.08% to 9.18%, signaling increasing performance

Ally Financial Inc.'s short-term liabilities of $163.43B exceed its short-term assets of $147.39B, signaling financial risk

Ally Financial Inc.'s return on assets of 0.73% is lower than the 5.00% threshold, indicating inefficient asset utilization

Ally Financial Inc.'s return on equity of 9.42%, is lower than 15.00%, indicating bad performance

Ally Financial Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Ally Financial Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Ally Financial Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

Ally Financial Inc. has negative free cash flow, indicating cash burn

Ally Financial Inc.'s yearly earnings has increased 27.54% since last year from $668.00M to $852.00M, signaling increasing performance

Ally Financial Inc.'s yearly revenue has decreased 25.75% since last year from $16.37B to $12.15B, signaling decreasing performance

ROIC 3.79% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Ally Financial Inc.'s 3-year revenue CAGR of 0.16% is positive, indicating growing revenue over the past 3 years

Ally Financial Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Ally Financial Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Ally Financial Inc. has insufficient data to evaluate this check.

Ally Financial Inc. has an earnings yield of 10.77%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Ally Financial Inc. is overvalued relative to its fair value price of 17.48 based on EBITDA multiple model

Ally Financial Inc. has an EV/EBITDA ratio of 10.24x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Ally Financial Inc. is overvalued relative to its fair value price of 36.35 based on Earnings Fair Value model

Ally Financial Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Ally Financial Inc. has a price-to-book ratio of 0.87x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Ally Financial Inc. has a price-to-sales ratio of 0.85x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue