Ally FinancialXSWX:ALLY +1.01%68 Return-on-Tangible-Asset is 0.65% as of Mar. 2026, which is 3% above its 10-year median of 0.63. 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 546 Credit Services companies, Ally Financial ranks worse than 65.57% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Ally Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was CHF1,005 Mil. Ally Financial's average total tangible assets for the quarter that ended in Mar. 2026 was CHF155,601 Mil. Therefore, Ally Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.65%.
The historical rank and industry rank for Ally Financial's Return-on-Tangible-Asset or its related term are showing as below:
XSWX:ALLY'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.35 Med: 0.63 Max: 1.69
Current: 0.72
During the past 13 years, Ally Financial's highest Return-on-Tangible-Asset was 1.69%. The lowest was 0.35%. And the median was 0.63%.
XSWX:ALLY's Return-on-Tangible-Asset is ranked worse than 65.57% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs XSWX:ALLY: 0.72
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Ally Financial Return-on-Tangible-Asset Related Terms
Ally Financial Return-on-Tangible-Asset Historical Data
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The historical data trend for Ally Financial's Return-on-Tangible-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.
XSWX:ALLY vs FCFS, KLAR, OMF: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Ally Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Ally Financial's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.65% mean?
Ally Financial (XSWX:ALLY) has a Return-on-Tangible-Asset of 0.65% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Ally Financial and its competitors. This is near median its historical median of 0.63. Over the past decade, Ally Financial's Return-on-Tangible-Asset has ranged from 0.35 to 1.69. According to the industry distribution chart, Ally Financial ranks #358 out of 546 companies in the Credit Services industry, placing it in the top 65.6%.
Is Ally Financial's Return-on-Tangible-Asset too high?
Ally Financial's current Return-on-Tangible-Asset of 0.65% is near median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.69. The Credit Services industry median Return-on-Tangible-Asset is 1.93. Ally Financial's value of 0.65% is 66.3% below this industry median. Based on the distribution chart, Ally Financial ranks #358 out of 546 companies in the Credit Services industry, which is below 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 Return-on-Tangible-Asset compare to FCFS and KLAR?
According to the Credit Services industry distribution chart, Ally Financial ranks #358 out of 546 companies for Return-on-Tangible-Asset. This places Ally Financial in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.93. Ally Financial's value of 0.65% is 66.3% below this benchmark. Historically, Ally Financial's own Return-on-Tangible-Asset has ranged from 0.35 to 1.69 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 1.93, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ally Financial's current Return-on-Tangible-Asset of 0.65% is 66.3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Ally Financial and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current Return-on-Tangible-Asset is 0.65%, which is near median its own 10-year median of 0.63. 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 Return-on-Tangible-Asset of 0.65%. 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 Return-on-Tangible-Asset is 0.65%, which is near median its 10-year median of 0.63 and 66.3% below the Credit Services industry median of 1.93. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Ally Financial (XSWX:ALLY), the current Return-on-Tangible-Asset is 0.65% 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:
Return-on-Tangible-Asset: 0.65% (near median its 10-year median of 0.63)
GF Value™: CHF31.58 vs. price of CHF37.15 (17.6% above fair value)
Industry Position: 66.3% below the Credit Services median (#358 of 546)
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
Get the complete analysis for XSWX:ALLY
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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