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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 -0.60%67 EV-to-OCF is 6.53 as of Jul. 29, 2026, which is 3% below its 10-year median of 6.71. GuruFocus rates ALLY with a GF Score™ of 67/100 and a GF Value™ of $40.60 (Fairly Valued). The stock has 6 warning signs investors should review. Among 544 Credit Services companies, Ally Financial ranks worse than 66.18% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Ally Financial's Enterprise Value is $29,816 Mil.
Ally Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $4,566 Mil. Therefore, Ally Financial's EV-to-OCF for today is 6.53.
The historical rank and industry rank for Ally Financial's EV-to-OCF or its related term are showing as below:
ALLY'
s EV-to-OCF Range Over the Past 10 Years
Min: 3.55 Med: 6.71 Max: 15.71
Current: 6.53
During the past 13 years, the highest EV-to-OCF of Ally Financial was 15.71. The lowest was 3.55. And the median was 6.71.
ALLY's EV-to-OCF is ranked worse than 66.18% of 544
companies
in the Credit Services industry
Industry Median: -0.62
vs ALLY: 6.53
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Ally Financial's PE Ratio (TTM) for today is calculated as:
Ally Financial's share price for today is $43.845.
Ally Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.240.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Ally Financial EV-to-OCF Related Terms
Ally Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Ally Financial's EV-to-OCF 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.
For the Credit Services subindustry, Ally Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Ally Financial's EV-to-OCF falls into.
Ally Financial's current Enterprise Value is $29,816 Mil.
Ally Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4,566 Mil.
* 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 EV-to-OCF of 6.53 as of Jul. 29, 2026. This is near median its historical median of 6.71. Over the past decade, Ally Financial's EV-to-OCF has ranged from 3.55 to 15.71. According to the industry distribution chart, Ally Financial ranks #360 out of 544 companies in the Credit Services industry, placing it in the top 66.2%.
Is Ally Financial's EV-to-OCF too high?
Ally Financial's current EV-to-OCF of 6.53 is near median its 10-year median of 6.71. Over the past 10 years, this metric has ranged from a low of 3.55 to a high of 15.71. Based on the distribution chart, Ally Financial ranks #360 out of 544 companies in the Credit Services industry, which is below the industry midpoint. Overall, Ally Financial has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's EV-to-OCF compare to FCFS and OMF?
According to the Credit Services industry distribution chart, Ally Financial ranks #360 out of 544 companies for EV-to-OCF. This places Ally Financial in the lower half of its industry. Historically, Ally Financial's own EV-to-OCF has ranged from 3.55 to 15.71 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Ally Financial's current EV-to-OCF is 6.53, which is near median its own 10-year median of 6.71. 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 $40.60, compared to a current price of $43.85 — trading 8% above its estimated fair value. The current EV-to-OCF is 6.53, which is near median its 10-year median of 6.71. Ally Financial's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Ally Financial (ALLY), the current EV-to-OCF is 6.53 as of Jul. 29, 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 $43.85 is trading 8% above its estimated GF Value™ of $40.60.
GuruFocus considers Ally Financial to be Fairly Valued.
Key valuation signals for ALLY:
EV-to-OCF: 6.53 (near median its 10-year median of 6.71)
GF Value™: $40.60 vs. price of $43.85 (8% above fair value)
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.
67GF Score
Get the complete analysis for ALLY
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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