Ally Financial Inc. Financial Ratios — GMZ Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	-7.36	3.11	-3.47	6.51	-9.54	7.96	6.93	9.44	12.39	7.45	20.41	12.7	7.73	4.86	6
Return on Assets (%)	-0.09	0.65	0.22	0.76	0.83	0.66	0.56	0.73	0.95	0.6	1.68	0.92	0.49	0.34	0.44
Return on Capital (%)	- -	- -	- -	1.29	1.47	1.29	1.26	1.87	2.83	2.33	8.35	5.12	2.87	1.99	2.44
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-4.01	8.55	5.66	17.63	18.79	21.99	21.54	23.91	26.89	18.91	43.91	25.35	12.16	9.4	11.98
Profit Margin (%)	-3.55	19.89	5.73	16.27	17.38	14.84	13.28	18.62	23.44	14.51	34.85	18.55	10.55	7.51	9.71
Net Income to Common Margin (%)	-21.53	6.55	-7.12	12.48	-17.29	14.43	13.28	18.62	23.44	14.51	34.2	17.36	9.34	6.27	8.46
Effective Tax Rate (%)	- -	- -	- -	25.76	35.61	29.73	38.55	22.13	12.51	23.2	20.49	26.77	13.06	19.98	18.93
Dvd Payout Ratio (%)	-2.47	- -	- -	- -	- -	7.22	19.87	19.16	15.86	26.61	10.77	23.93	43.35	66.55	51.08
Sustainable Growth Rate (%)	-7.54	3.11	-3.47	6.51	-9.54	7.38	5.55	7.63	10.42	5.47	18.21	9.66	4.38	1.63	2.93

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	100,330	82,022	76,510	72,668	73,687	65,625	54,747	53,685	39,754	24,329	17,204	19,799	20,233	19,231	21,344
ST Debt	7,680	7,461	7,045	6,288	7,453	11,497	10,521	9,302	5,531	2,136	- -	1,900	2,550	1,625	4,150
LT Debt	92,650	74,561	69,465	66,380	66,234	54,128	44,226	44,383	34,223	22,193	17,204	17,899	17,683	17,606	17,194
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.7	7.11	8.57	9.33	8.04	8.13	8.07	7.42	7.98	8.07	8.09	5.49	5.8	6.04	6.72
Long-Term Debt/Equity (%)	480.55	374.72	488.91	431.07	492.85	406.46	327.75	334.51	237.4	150.94	100.9	139.19	129.04	126.63	110.94
Long-Term Debt/Capital (%)	77.46	73.16	76.57	75.37	76.02	68.57	64.81	66.29	63.18	56.86	50.22	54.81	52.11	53.14	46.67
Long-Term Debt/Total Assets (%)	50.34	40.89	45.95	43.78	41.77	33.06	26.46	24.81	18.94	12.18	9.45	9.33	9.01	9.18	8.77
Total Debt/Equity (%)	520.38	412.21	538.5	471.9	548.31	492.79	405.71	404.62	275.76	165.47	100.9	153.97	147.65	138.32	137.72
Total Debt/Capital (%)	83.88	80.48	84.34	82.51	84.58	83.13	80.23	80.18	73.39	62.33	50.22	60.63	59.62	58.04	57.93
Total Debt/Total Assets (%)	54.51	44.98	50.61	47.92	46.47	40.08	32.75	30.01	22.01	13.36	9.45	10.32	10.31	10.02	10.89
Net Debt to Equity	448.43	372.23	496.74	433.72	498.96	446.85	374.2	368.99	249.74	57.95	70.19	109.58	96.15	63.5	72.2
Net Debt/Capital (%)	81.77	78.82	83.24	81.26	83.3	81.71	78.91	78.44	71.13	36.4	40.99	52.02	48.81	38.65	41.74
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.7	7.11	8.57	9.33	8.04	8.13	8.07	7.42	7.98	8.07	8.09	5.49	5.8	6.04	6.72
Long-Term Debt/Equity (%)	480.55	374.72	488.91	431.07	492.85	406.46	327.75	334.51	237.4	150.94	100.9	139.19	129.04	126.63	110.94
Long-Term Debt/Capital (%)	77.46	73.16	76.57	75.37	76.02	68.57	64.81	66.29	63.18	56.86	50.22	54.81	52.11	53.14	46.67
Long-Term Debt/Total Assets (%)	50.34	40.89	45.95	43.78	41.77	33.06	26.46	24.81	18.94	12.18	9.45	9.33	9.01	9.18	8.77
Total Debt/Equity (%)	520.38	412.21	538.5	471.9	548.31	492.79	405.71	404.62	275.76	165.47	100.9	153.97	147.65	138.32	137.72
Total Debt/Capital (%)	83.88	80.48	84.34	82.51	84.58	83.13	80.23	80.18	73.39	62.33	50.22	60.63	59.62	58.04	57.93
Total Debt/Total Assets (%)	54.51	44.98	50.61	47.92	46.47	40.08	32.75	30.01	22.01	13.36	9.45	10.32	10.31	10.02	10.89
CFO/Total Liabilities	3.33	3.11	1.83	2.5	3.52	3.04	2.65	2.51	2.44	2.23	2.45	3.49	2.5	2.54	2.07
CFO/CapEx	0.84	0.68	0.27	0.34	1.09	1.39	1.01	1.12	1.01	0.87	0.79	1.77	1.65	1.31	0.87
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	18.8	31.73	- -	- -	- -	16.37	13.64	11.81	12.31	11.57	13.47	13.33	10.54	9.55	9.38
Days Sales Outstanding	19.42	11.5	- -	- -	- -	22.29	26.77	30.91	29.64	31.56	27.1	27.38	34.63	38.24	38.91
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	13,873	7,955	5,933	5,879	6,632	6,118	4,252	4,537	3,555	15,621	5,062	5,571	6,945	10,292	10,030
+ Preferred Equity and Hybrid Capital	6,940	6,940	1,255	1,255	696	- -	- -	- -	- -	- -	2,324	2,324	2,324	2,324	2,324
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	100,330	82,022	76,510	72,668	73,687	65,625	54,747	53,685	39,754	24,329	17,204	19,799	20,233	19,231	21,344
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	119,610	101,920	90,718	88,067	87,126	78,942	68,241	66,953	54,170	39,032	34,254	32,658	33,936	33,134	36,842
Total Debt/Capital (%)	83.88	80.48	84.34	82.51	84.58	83.13	80.23	80.18	73.39	62.33	50.22	60.63	59.62	58.04	57.93
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	4,417	6,012	6,302	7,068	7,415	7,188	6,995	6,784	7,315	7,478	8,780	9,240	9,070	8,897	8,770
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	3,403	5,111	4,567	4,079	4,150	4,050	3,739	4,042	6,247	4,557	4,528	3,729
TTM Free Cash Flow to Firm	- -	- -	- -	-6,481	426	1,293	27	441	27	-581	-1,078	2,715	1,798	1,068	-546

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	413	413	480	480	482	467	437	405	374	375	338	299	302	305	308
Diluted Weighted Avg Shares	413	413	480	482	484	482	455	428	395	377	365	319	305	310	313
Basic Weighted Avg Shares	413	413	480	481	483	481	454	425	393	376	363	317	304	307	310
Revenue per Share	10.71	14.57	13.14	14.69	15.36	14.94	15.42	15.96	18.6	19.91	24.22	29.18	29.86	28.99	28.29
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-2.3	0.95	-0.94	1.83	-2.65	2.16	2.05	2.97	4.36	2.89	8.28	5.06	2.79	1.82	2.39
Basic EPS from Cont Ops	-0.53	3.32	0.87	1.92	1.86	2.31	2.04	2.97	4.38	2.89	8.45	5.42	3.16	2.18	2.75
Diluted EPS, GAAP	-2.3	0.95	-0.94	1.83	-2.65	2.15	2.04	2.95	4.34	2.88	8.22	5.03	2.78	1.8	2.37
Diluted EPS from Cont Ops	-0.53	3.32	0.87	1.92	1.85	2.3	2.03	2.95	4.35	2.88	8.39	5.38	3.14	2.16	2.72
Dividend per Share	1.98	1.94	1.69	0.56	5.32	0.22	0.41	0.57	0.69	0.77	1.05	1.56	1.57	1.57	1.58
Cash Flow per Share	13.31	12.24	5.21	7.07	10.58	9.49	8.99	9.76	10.3	9.95	11.15	19.73	15	14.75	12.03
Free Cash Flow per Basic Share	-2.51	-5.8	-13.95	-13.47	0.88	2.69	0.06	1.04	0.07	-1.55	-2.97	8.57	5.92	3.48	-1.76
Cash & Equivalents per Share	33.62	19.28	12.37	12.25	44.16	43.18	42.91	50.98	85.32	120.92	113.77	104.27	88.14	96	94.99
Book Value per Share	29.91	31.41	27	29.46	26.44	28.52	30.87	32.77	38.51	39.24	43.58	35.2	37.62	37.94	42.7
Tangible Book Value per Share	22.55	29.1	27	29.46	26.38	28	30.33	32.03	37.28	38.19	40.76	32.12	35.17	35.95	42.09