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Ally FinancialALLY +0.32%69 Cash-to-Debt is 0.34 as of Jun. 2026, which is 6% above its 10-year median of 0.32. GuruFocus rates ALLY with a GF Score™ of 69/100 and a GF Value™ of $40.47 (Fairly Valued). The stock has 6 warning signs investors should review. Among 513 Credit Services companies, Ally Financial ranks better than 59.84% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Ally Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.34.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Ally Financialcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Ally Financial's Cash-to-Debt or its related term are showing as below:
ALLY'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.32 Max: 0.79
Current: 0.34
During the past 13 years, Ally Financial's highest Cash to Debt Ratio was 0.79. The lowest was 0.07. And the median was 0.32.
ALLY's Cash-to-Debt is ranked better than 59.84% of 513
companies
in the Credit Services industry
Industry Median: 0.2
vs ALLY: 0.34
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Ally Financial Cash-to-Debt Related Terms
Ally Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Ally Financial's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Ally Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ally Financial Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Ally Financial's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ally Financial (ALLY) has a Cash-to-Debt of 0.34 as of Jun. 2026. This is near median its historical median of 0.32. Over the past decade, Ally Financial's Cash-to-Debt has ranged from 0.07 to 0.79. According to the industry distribution chart, Ally Financial ranks #206 out of 513 companies in the Credit Services industry, placing it in the top 40.2%.
Is Ally Financial's Cash-to-Debt too high?
Ally Financial's current Cash-to-Debt of 0.34 is near median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.79. The Credit Services industry median Cash-to-Debt is 0.20. Ally Financial's value of 0.34 is 70% above this industry median. Based on the distribution chart, Ally Financial ranks #206 out of 513 companies in the Credit Services industry, which is above the industry midpoint. Overall, Ally Financial has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's Cash-to-Debt compare to FCFS and OMF?
According to the Credit Services industry distribution chart, Ally Financial ranks #206 out of 513 companies for Cash-to-Debt. This puts Ally Financial in the upper half of its industry. The industry median Cash-to-Debt is 0.20. Ally Financial's value of 0.34 is 70% above this benchmark. Historically, Ally Financial's own Cash-to-Debt has ranged from 0.07 to 0.79 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 0.20, Ally Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.20, based on 513 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ally Financial's current Cash-to-Debt of 0.34 is 70% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current Cash-to-Debt is 0.34, which is near median its own 10-year median of 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ally Financial stock overvalued right now?
Based on GuruFocus' analysis, Ally Financial (ALLY) is currently considered Fairly Valued. The stock's GF Value™ is $40.47, compared to a current price of $43.73 — trading 8.1% above its estimated fair value. The current Cash-to-Debt is 0.34, which is near median its 10-year median of 0.32 and 70% above the Credit Services industry median of 0.20. Ally Financial's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Ally Financial (ALLY), the current Cash-to-Debt is 0.34 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ally Financial (ALLY) Overvalued in 2026?
Based on GuruFocus' analysis, Ally Financial stock appears to be overvalued.
The current stock price of $43.73 is trading 8.1% above its estimated GF Value™ of $40.47.
GuruFocus considers Ally Financial to be Fairly Valued.
Key valuation signals for ALLY:
Cash-to-Debt: 0.34 (near median its 10-year median of 0.32)
GF Value™: $40.47 vs. price of $43.73 (8.1% above fair value)
Industry Position: 70% above the Credit Services median (#206 of 513)
No single metric tells the full story. See the ALLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Formerly the captive financial arm of General Motors, Ally Financial became an independent publicly traded firm in 2014 and is one of the largest consumer auto lenders in the country. While the firm has expanded its product offerings over time, it remains primarily focused on auto lending, with more than 70% of its loan book in consumer auto loans and dealer financing. Ally also offers auto insurance, commercial loans, credit cards, and holds a portfolio of mortgage debt, giving the bank a diversified business model that includes brokerage services.
69GF Score
Get the complete analysis for ALLY
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