Ally FinancialXSWX:ALLY +1.01%68 Dividend Payout Ratio is 0.27 as of Mar. 2026, which is 42% above its 10-year median of 0.19. 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 195 Credit Services companies, Ally Financial ranks better than 56.92% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Ally Financial's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.27.
The historical rank and industry rank for Ally Financial's Dividend Payout Ratio or its related term are showing as below:
XSWX:ALLY'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07 Med: 0.19 Max: 0.51
Current: 0.07
During the past 13 years, the highest Dividend Payout Ratio of Ally Financial was 0.51. The lowest was 0.07. And the median was 0.19.
XSWX:ALLY's Dividend Payout Ratio is ranked better than 56.92% of 195
companies
in the Credit Services industry
Industry Median: 0.32
vs XSWX:ALLY: 0.07
During the past 5 years, the average Dividends Per Share Growth Rate was 9.60% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Ally Financial was 62.00% per year. The lowest was 0.00% per year. And the median was 16.40% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Ally Financial (XSWX:ALLY) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Ally Financial Dividend Payout Ratio Related Terms
Ally Financial Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Ally Financial's Dividend Payout Ratio 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: Dividend Payout Ratio Comparison
For the Credit Services subindustry, Ally Financial's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Ally Financial's Dividend Payout Ratio falls into.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Ally Financial's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.27 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Ally Financial and its competitors. This is 42% above median its historical median of 0.19. Over the past decade, Ally Financial's Dividend Payout Ratio has ranged from 0.07 to 0.51. According to the industry distribution chart, Ally Financial ranks #84 out of 195 companies in the Credit Services industry, placing it in the top 43.1%.
Is Ally Financial's Dividend Payout Ratio too high?
Ally Financial's current Dividend Payout Ratio of 0.27 is 42% above median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.51. The Credit Services industry median Dividend Payout Ratio is 0.32. Ally Financial's value of 0.27 is 15.6% below this industry median. Based on the distribution chart, Ally Financial ranks #84 out of 195 companies in the Credit Services industry, which is above the industry midpoint. 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 Dividend Payout Ratio compare to FCFS and KLAR?
According to the Credit Services industry distribution chart, Ally Financial ranks #84 out of 195 companies for Dividend Payout Ratio. This puts Ally Financial in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Ally Financial's value of 0.27 is 15.6% below this benchmark. Historically, Ally Financial's own Dividend Payout Ratio has ranged from 0.07 to 0.51 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 0.32, Ally Financial has consistently been below 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 Dividend Payout Ratio for a Credit Services company?
The median Dividend Payout Ratio among Credit Services companies is 0.32, based on 195 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ally Financial's current Dividend Payout Ratio of 0.27 is 15.6% below 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Ally Financial and its competitors. For the Credit Services industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current Dividend Payout Ratio is 0.27, which is 42% above median its own 10-year median of 0.19. 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 Dividend Payout Ratio of 0.27. 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 Dividend Payout Ratio is 0.27, which is 42% above median its 10-year median of 0.19 and 15.6% below the Credit Services industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Ally Financial (XSWX:ALLY), the current Dividend Payout Ratio is 0.27 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:
Dividend Payout Ratio: 0.27 (42% above median its 10-year median of 0.19)
GF Value™: CHF31.58 vs. price of CHF37.15 (17.6% above fair value)
Industry Position: 15.6% below the Credit Services median (#84 of 195)
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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