Ally FinancialXSWX:ALLY +1.01%68 OCF Margin % is 58.27% as of Mar. 2026, which is 10% above its 10-year median of 53.13. 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. Among 531 Credit Services companies, Ally Financial ranks better than 75.14% on this metric.
The historical rank and industry rank for Ally Financial's OCF Margin % or its related term are showing as below:
XSWX:ALLY'
s OCF Margin % Range Over the Past 10 Years
Min: 42.52 Med: 53.13 Max: 67.61
Current: 44.35
During the past 13 years, the highest OCF Margin % of Ally Financial was 67.61%. The lowest was 42.52%. And the median was 53.13%.
XSWX:ALLY's OCF Margin % is ranked better than 75.14% of 531
companies
in the Credit Services industry
Industry Median: 2.55
vs XSWX:ALLY: 44.35
Ally Financial OCF Margin % Related Terms
Ally Financial OCF Margin % Historical Data
* Premium members only.
The historical data trend for Ally Financial's OCF Margin % 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.
XSWX:ALLY vs FCFS, KLAR, OMF: OCF Margin % Comparison
For the Credit Services subindustry, Ally Financial's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Ally Financial's OCF Margin % 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 (XSWX:ALLY) has a OCF Margin % of 58.27% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Ally Financial and its competitors. This is 10% above median its historical median of 53.13. Over the past decade, Ally Financial's OCF Margin % has ranged from 42.52 to 67.61. According to the industry distribution chart, Ally Financial ranks #132 out of 531 companies in the Credit Services industry, placing it in the top 24.9%.
Is Ally Financial's OCF Margin % too high?
Ally Financial's current OCF Margin % of 58.27% is 10% above median its 10-year median of 53.13. Over the past 10 years, this metric has ranged from a low of 42.52 to a high of 67.61. The Credit Services industry median OCF Margin % is 2.55. Ally Financial's value of 58.27% is 2185.1% above this industry median. Based on the distribution chart, Ally Financial ranks #132 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 OCF Margin % compare to FCFS and KLAR?
According to the Credit Services industry distribution chart, Ally Financial ranks #132 out of 531 companies for OCF Margin %. This places Ally Financial in the top 25% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.55. Ally Financial's value of 58.27% is 2185.1% above this benchmark. Historically, Ally Financial's own OCF Margin % has ranged from 42.52 to 67.61 over the past decade. While the company's 10-year median is 53.13 vs. the industry median of 2.55, 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ally Financial's current OCF Margin % of 58.27% is 2185.1% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Ally Financial and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current OCF Margin % is 58.27%, which is 10% above median its own 10-year median of 53.13. 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 OCF Margin % of 58.27%. 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 OCF Margin % is 58.27%, which is 10% above median its 10-year median of 53.13 and 2185.1% above the Credit Services industry median of 2.55. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Ally Financial (XSWX:ALLY), the current OCF Margin % is 58.27% 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:
OCF Margin %: 58.27% (10% above median its 10-year median of 53.13)
GF Value™: CHF31.58 vs. price of CHF37.15 (17.6% above fair value)
Industry Position: 2185.1% above the Credit Services median (#132 of 531)
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.
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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