Ally Financial (XSWX:ALLY) LT-Debt-to-Total-Asset: 0.09 (As of Mar. 2026)

What is Ally Financial LT-Debt-to-Total-Asset?

Ally Financial XSWX:ALLY +1.01% 68 LT-Debt-to-Total-Asset is 0.09 as of Mar. 2026. GuruFocus rates XSWX:ALLY with a GF Score™ of 68/100 and a GF Value™ of CHF31.58. The stock has 8 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Ally Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.09.

Ally Financial's long-term debt to total assets ratio increased from Mar. 2025 (0.09) to Mar. 2026 (0.09). It may suggest that Ally Financial is progressively becoming more dependent on debt to grow their business.

Ally Financial (XSWX:ALLY) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Ally Financial LT-Debt-to-Total-Asset Related Terms

Ally Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Ally Financial's LT-Debt-to-Total-Asset 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 Financial LT-Debt-to-Total-Asset Chart

Ally Financial Annual Data

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LT-Debt-to-Total-Asset

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0.09

Ally Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.09	0.08	0.09	0.09	0.09

68GF Score

Ally Financial Inc XSWX:ALLY

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Ally Financial LT-Debt-to-Total-Asset Calculation

Ally Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	13701.899	/	156193.994
	=	0.09

Ally Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	13754.131	/	155309.884
	=	0.09

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.09 mean?

Ally Financial (XSWX:ALLY) has a LT-Debt-to-Total-Asset of 0.09 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Ally Financial and its competitors.

Is Ally Financial's LT-Debt-to-Total-Asset too high?

Ally Financial's current LT-Debt-to-Total-Asset is 0.09. Overall, Ally Financial has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.

How does Ally Financial's LT-Debt-to-Total-Asset compare to FCFS and KLAR?

Ally Financial's LT-Debt-to-Total-Asset of 0.09 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Ally Financial and its competitors. Ally Financial's current LT-Debt-to-Total-Asset is 0.09. 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?

Ally Financial (XSWX:ALLY) has a current LT-Debt-to-Total-Asset of 0.09. The stock's GF Value™ is CHF31.58, compared to a current price of CHF37.15 — trading 17.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.09. Ally Financial's overall GF Score™ is 68/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Ally Financial (XSWX:ALLY), the current LT-Debt-to-Total-Asset is 0.09 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 (XSWX:ALLY) Overvalued in 2026?

Based on GuruFocus' analysis, Ally Financial stock appears to be overvalued. The current stock price of CHF37.15 is trading 17.6% above its estimated GF Value™ of CHF31.58.

Key valuation signals for XSWX:ALLY:

LT-Debt-to-Total-Asset: 0.09
GF Value™: CHF31.58 vs. price of CHF37.15 (17.6% above fair value)
GF Score™: 68/100 with 8 warning signs

No single metric tells the full story. See the XSWX:ALLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ally Financial Business Description

Industry Financial Services Credit Services

Comparable Companies FCFS KLAR OMF CACC NNI SLM ENVA SEZL BFH UPST V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges ALLY:USA ALLY1:Mexico 0HD0:UK GMZ:Germany

Address 500 Woodward Avenue, Floor 10, Ally Detroit Center, Detroit, MI, USA, 48226

Website https://www.ally.com

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.

68GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF37.15

Price

CHF31.58

GF Value

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