Ally Financial (XSWX:ALLY) Scaled Net Operating Assets: 0.04 (As of Mar. 2026)


XSWX:ALLY Ally Financial Inc XSWX:ALLY
68 GF Score
Price CHF37.15
GF Value CHF31.58
! 8 Warning Signs
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What is Ally Financial Scaled Net Operating Assets?

Ally Financial XSWX:ALLY +1.01% 68 Scaled Net Operating Assets is 0.04 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Ally Financial's operating assets for the quarter that ended in Mar. 2026 was CHF132,434 Mil. Ally Financial's operating liabilities for the quarter that ended in Mar. 2026 was CHF126,433 Mil. Ally Financial's Total Assets for the quarter that ended in Dec. 2025 was CHF156,194 Mil. Therefore, Ally Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.04.

XSWX:ALLY
68GF Score
Ally Financial Inc XSWX:ALLY
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Ally Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Ally Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(148201.087-126834.604)/171040.978
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=156193.994 - 7992.907
=148201.087

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=143843.638 - 13701.899 - 3307.135
=126834.604

Ally Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(132434.096-126432.507)/156193.994
=0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=155309.884 - 22875.788
=132434.096

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=143020.918 - 13754.131 - 2834.28
=126432.507

* 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.

What does a Scaled Net Operating Assets of 0.04 mean?
Ally Financial (XSWX:ALLY) has a Scaled Net Operating Assets of 0.04 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Ally Financial and its competitors.
Is Ally Financial's Scaled Net Operating Assets too high?
Ally Financial's current Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets compare to FCFS and KLAR?
Ally Financial's Scaled Net Operating Assets of 0.04 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Ally Financial and its competitors. Ally Financial's current Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets of 0.04. 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 Scaled Net Operating Assets is 0.04. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Ally Financial (XSWX:ALLY), the current Scaled Net Operating Assets is 0.04 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:

  • Scaled Net Operating Assets: 0.04
  • 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

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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF37.15
Price
CHF31.58
GF Value