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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Ally FinancialALLY +0.58%69 Debt-to-Equity is 1.35 as of Mar. 2026, which is 22% below its 10-year median of 1.74. GuruFocus rates ALLY with a GF Score™ of 69/100 and a GF Value™ of $38.61 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 455 Credit Services companies, Ally Financial ranks worse than 52.75% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Ally Financial's Debt-to-Equity or its related term are showing as below:
ALLY'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.88 Med: 1.74 Max: 4.93
Current: 1.35
During the past 13 years, the highest Debt-to-Equity Ratio of Ally Financial was 4.93. The lowest was 0.88. And the median was 1.74.
ALLY's Debt-to-Equity is ranked worse than 52.75% of 455
companies
in the Credit Services industry
Industry Median: 1.23
vs ALLY: 1.35
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Ally Financial Debt-to-Equity Related Terms
Ally Financial Debt-to-Equity Historical Data
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The historical data trend for Ally Financial's Debt-to-Equity 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.
ALLY vs FCFS, KLAR, OMF: Debt-to-Equity Comparison
For the Credit Services subindustry, Ally Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Ally Financial's Debt-to-Equity 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 Debt-to-Equity of 1.35 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Ally Financial and its competitors. This is 22% below median its historical median of 1.74. Over the past decade, Ally Financial's Debt-to-Equity has ranged from 0.88 to 4.93. According to the industry distribution chart, Ally Financial ranks #240 out of 455 companies in the Credit Services industry, placing it in the top 52.7%.
Is Ally Financial's Debt-to-Equity too high?
Ally Financial's current Debt-to-Equity of 1.35 is 22% below median its 10-year median of 1.74. Over the past 10 years, this metric has ranged from a low of 0.88 to a high of 4.93. The Credit Services industry median Debt-to-Equity is 1.23. Ally Financial's value of 1.35 is 9.8% above this industry median. Based on the distribution chart, Ally Financial ranks #240 out of 455 companies in the Credit Services industry, which is below the industry midpoint. Overall, Ally Financial has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's Debt-to-Equity compare to FCFS and KLAR?
According to the Credit Services industry distribution chart, Ally Financial ranks #240 out of 455 companies for Debt-to-Equity. This places Ally Financial in the lower half of its industry. The industry median Debt-to-Equity is 1.23. Ally Financial's value of 1.35 is 9.8% above this benchmark. Historically, Ally Financial's own Debt-to-Equity has ranged from 0.88 to 4.93 over the past decade. While the company's 10-year median is 1.74 vs. the industry median of 1.23, 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 455 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ally Financial's current Debt-to-Equity of 1.35 is 9.8% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Ally Financial and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current Debt-to-Equity is 1.35, which is 22% below median its own 10-year median of 1.74. 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 Modestly Overvalued. The stock's GF Value™ is $38.61, compared to a current price of $46.61 — trading 20.7% above its estimated fair value. The current Debt-to-Equity is 1.35, which is 22% below median its 10-year median of 1.74 and 9.8% above the Credit Services industry median of 1.23. Ally Financial's overall GF Score™ is 69/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Ally Financial (ALLY), the current Debt-to-Equity is 1.35 as of Mar. 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 $46.61 is trading 20.7% above its estimated GF Value™ of $38.61.
GuruFocus considers Ally Financial to be Modestly Overvalued.
Key valuation signals for ALLY:
Debt-to-Equity: 1.35 (22% below median its 10-year median of 1.74)
GF Value™: $38.61 vs. price of $46.61 (20.7% above fair value)
Industry Position: 9.8% above the Credit Services median (#240 of 455)
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
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Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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