ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Ally Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was CHF1,005 Mil.
Ally Financial's average Total Assets over the quarter that ended in Mar. 2026 was CHF155,752 Mil. Therefore, Ally Financial's annualized ROA % for the quarter that ended in Mar. 2026 was 0.64%.
The historical rank and industry rank for Ally Financial's ROA % or its related term are showing as below:
XSWX:ALLY'
s ROA % Range Over the Past 10 Years
Min: 0.34 Med: 0.63 Max: 1.68
Current: 0.72
During the past 13 years, Ally Financial's highest ROA % was 1.68%. The lowest was 0.34%. And the median was 0.63%.
XSWX:ALLY's ROA % is ranked worse than 65.38% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs XSWX:ALLY: 0.72
Ally Financial (XSWX:ALLY) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Ally Financial ROA % Related Terms
Ally Financial ROA % Historical Data
* Premium members only.
The historical data trend for Ally Financial's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ally Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Ally Financial's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Ally Financial (XSWX:ALLY) has a ROA % of 0.64% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total 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 ROA % has ranged from 0.34 to 1.68. According to the industry distribution chart, Ally Financial ranks #357 out of 546 companies in the Credit Services industry, placing it in the top 65.4%.
Is Ally Financial's ROA % too high?
Ally Financial's current ROA % of 0.64% is near median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 1.68. The Credit Services industry median ROA % is 1.93. Ally Financial's value of 0.64% is 66.8% below this industry median. Based on the distribution chart, Ally Financial ranks #357 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 ROA % compare to FCFS and KLAR?
According to the Credit Services industry distribution chart, Ally Financial ranks #357 out of 546 companies for ROA %. This places Ally Financial in the lower half of its industry. The industry median ROA % is 1.93. Ally Financial's value of 0.64% is 66.8% below this benchmark. Historically, Ally Financial's own ROA % has ranged from 0.34 to 1.68 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ally Financial's current ROA % of 0.64% is 66.8% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Ally Financial and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ally Financial's current ROA % is 0.64%, 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 ROA % of 0.64%. 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 ROA % is 0.64%, which is near median its 10-year median of 0.63 and 66.8% 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Ally Financial (XSWX:ALLY), the current ROA % is 0.64% 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:
ROA %: 0.64% (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: 66.8% below the Credit Services median (#357 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
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