Question 1

What is Ally Financial's P/FCF ratio?

Accepted Answer

Ally Financial (ALLY) P/FCF ratio is 1296.2× as of July 20, 2026. The ratio is calculated by dividing market capitalisation by trailing twelve-month free cash flow, using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/FCF ratio calculated?

Accepted Answer

P/FCF = Market Capitalisation ÷ Trailing Twelve-Month (TTM) Free Cash Flow, where Free Cash Flow = Operating Cash Flow − Capital Expenditures. All inputs are sourced from audited GAAP/IFRS filings and translated to USD using period-end exchange rates so the multiple is comparable across companies and currencies.

Question 3

What is the P/FCF ratio?

Accepted Answer

The price-to-free-cash-flow (P/FCF) ratio compares a company's market capitalisation to its trailing twelve-month (TTM) free cash flow. It is calculated as market cap ÷ TTM free cash flow, where free cash flow = operating cash flow − capital expenditures. Because FCF cannot be inflated by non-cash accounting items, P/FCF is often considered a cleaner measure of "earnings-power valuation" than P/E — especially for capital-intensive businesses where depreciation diverges from real cash outflows.

Question 4

What is a good P/FCF ratio for Ally Financial?

Accepted Answer

Mature companies that consistently convert profit into cash often trade at 15–25× P/FCF; capital-intensive businesses with lumpy capex typically trade lower. Compare against sector peers and against the company's own multi-year average — single-year P/FCF can be distorted by working-capital swings. For Ally Financial specifically, the relevant sector benchmark is the current sector median of 12.0×.

Question 5

Is Ally Financial's P/FCF ratio high or low?

Accepted Answer

Ally Financial's P/FCF ratio of 1296.2× is above its own 5-year average of 91.7× and above the sector median of 12.0×. That places the current reading at the 98th percentile of its 10-year history. A higher multiple usually reflects stronger expected growth, lower perceived risk, or higher returns on capital; a lower multiple reflects the opposite.

Question 6

What is Ally Financial's historical P/FCF ratio range?

Accepted Answer

In the available daily series, Ally Financial (ALLY) P/FCF ratio has ranged from a low of 1.3× in 2010 to a high of 1345.4× in 2026. The 5-year average is 91.7× and the 5-year median is 5.6×.

Question 7

What was Ally Financial's P/FCF ratio in 2024?

Accepted Answer

Ally Financial (ALLY) P/FCF ratio at the end of 2024 was 10.4×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month free cash flow figure available at that date.

Question 8

Why does Ally Financial's P/FCF ratio change over time?

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (free cash flow). Share-price changes — driven by interest rates, earnings expectations, risk appetite, and broader market sentiment — typically dominate short-term moves, while changes in the underlying fundamental drive the longer-term trend. As a result, the ratio can rise during stock-price rallies even if the business itself has not become more valuable, and fall during sell-offs even when fundamentals are improving.


2025	$14.1B	-$534M	—	—	Dec 31, 2025
2024	$11.1B	$1.07B	10.4×	+4.8×	Dec 31, 2024
2023	$10.6B	$1.9B	5.6×	+2.9×	Dec 31, 2023
2022	$7.37B	$2.72B	2.7×	—	Dec 31, 2022
2021	$16.5B	-$1.08B	—	—	Dec 31, 2021
2020	$13.4B	-$581M	—	—	Dec 31, 2020
2019	$11.6B	$27M	429.6×	+408.3×	Dec 31, 2019
2018	$9.38B	$441M	21.3×	-459.3×	Dec 31, 2018
2017	$13B	$27M	480.6×	+473.6×	Dec 31, 2017
2016	$8.99B	$1.29B	7.0×	-14.2×	Dec 31, 2016
2015	$9.01B	$426M	21.1×	—	Dec 31, 2015
2014	$11.4B	-$6.48B	—	—	Dec 31, 2014
2013	$12.5B	-$6.7B	—	—	Dec 31, 2013
2012	$10.7B	-$4.41B	—	—	Dec 31, 2012
2011	$10.7B	-$1.04B	—	—	Dec 31, 2011
2010	$10.7B	$8B	1.3×	—	Dec 31, 2010
2009	$6.43B	-$6.64B	—	—	Dec 31, 2009
2008	$6.43B	$1.21B	5.3×	—	Dec 31, 2008
2007	$6.43B	-$15.8B	—	—	Dec 31, 2007
2006	$6.43B	-$32.9B	—	—	Dec 31, 2006
2005	$6.43B	-$38.6B	—	—	Dec 31, 2005
2004	$6.43B	-$4.59B	—	—	Dec 31, 2004
2003	$6.43B	-$6.01B	—	—	Dec 31, 2003


UMB Financial (UMBF)	8.8×
Federal Agricultural Mortgage (AGM)	8.6×
T. Rowe Price (TROW)	8.6×
First Financial (THFF)	8.3×
Old Republic International (ORI)	8.0×
1st Source (SRCE)	8.0×
Auburn National Bancorporation (AUBN)	7.7×
Eagle Financial Services (EFSI)	7.5×
PayPal (PYPL)	7.5×
Assurant (AIZ)	7.5×
Cincinnati Financial (CINF)	7.1×
Alerus Financial (ALRS)	7.0×
American Financial Group (AFG)	6.8×
Hartford Insurance Group (HIG)	6.5×
Travelers Companies (TRV)	6.3×
Invesco (IVZ)	6.1×
Arch Capital Group (ACGL)	5.9×
Principal Financial Group (PFG)	5.5×
Allstate (ALL)	4.7×
Everest Group (EG)	4.6×
Capital One Financial (COF)	3.9×
Prudential Financial (PRU)	3.5×
Mercury General (MCY)	3.4×
MetLife (MET)	2.8×
StoneX Group (SNEX)	0.8×

P/FCF Ratio for Ally Financial (ALLY) 2008-2026

P/FCF Ratio daily chart for Ally Financial (ALLY)

Historical P/FCF Ratio for Ally Financial (ALLY) from 2003 to 2025

About P/FCF Ratio at Ally Financial (ALLY)

Ally Financial P/FCF Ratio by Year

Ally Financial P/FCF Ratio 2024: 10.4×

Ally Financial P/FCF Ratio 2023: 5.6×

Ally Financial P/FCF Ratio 2022: 2.7×

Ally Financial P/FCF Ratio 2019: 429.6×

Ally Financial P/FCF Ratio 2018: 21.3×

Sector peers by P/FCF Ratio — chart

Sector peers by P/FCF Ratio — table

Frequently asked questions

Ally Financial (ALLY) Key Financials