ALLY (Ally Financial) Total Payout Ratio: 0.48 (As of Jul. 16, 2026)

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ALLY Ally Financial Inc ALLY
69 GF Score
Price $46.61
GF Value $38.61
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Ally Financial Total Payout Ratio?

Ally Financial ALLY +0.58% 69 Total Payout Ratio is 0.48 as of Jul. 16, 2026. GuruFocus rates ALLY with a GF Score™ of 69/100 and a GF Value™ of $38.61 (Modestly Overvalued). The stock has 8 warning signs investors should review.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

Ally Financial's current Total Payout Ratio is 0.48.

Ally Financial Total Payout Ratio Related Terms

Ally Financial Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for Ally Financial's Total 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.

Ally Financial Total Payout Ratio Chart

Ally Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.78 1.25 0.53 0.78 0.64

Ally Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.72 0.34 0.30 0.44 0.87

ALLY vs FCFS, KLAR, OMF: Total Payout Ratio Comparison

For the Credit Services subindustry, Ally Financial's Total Payout Ratio, along with its competitors' market caps and Total 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 Total Payout Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Ally Financial's Total Payout Ratio distribution charts can be found below:

* The bar in red indicates where Ally Financial's Total Payout Ratio falls into.


ALLY
69GF Score
Ally Financial Inc ALLY
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Ally Financial Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

Ally Financial's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-59 + 0 + -489) / 852
=0.64

Ally Financial's Total Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-147 + 0 + -130) / 319
=0.87

* 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.

Frequently Asked Questions Learn more about Total Payout Ratio →
What does a Total Payout Ratio of 0.48 mean?
Ally Financial (ALLY) has a Total Payout Ratio of 0.48 as of Jul. 16, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Ally Financial and its competitors.
Is Ally Financial's Total Payout Ratio too high?
Ally Financial's current Total Payout Ratio is 0.48. Overall, Ally Financial has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ally Financial's Total Payout Ratio compare to FCFS and KLAR?
Ally Financial's Total Payout Ratio of 0.48 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 Total Payout Ratio for a Credit Services company?
A good Total Payout Ratio depends on the Credit Services industry context. However, Total Payout Ratio 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Ally Financial and its competitors. Ally Financial's current Total Payout Ratio is 0.48. 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?
Based on GuruFocus' analysis, Ally Financial (ALLY) is currently considered Modestly Overvalued. The stock's GF Value™ is $38.61, compared to a current price of $46.61 — trading 20.7% above its estimated fair value. The current Total Payout Ratio is 0.48. Ally Financial's overall GF Score™ is 69/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For Ally Financial (ALLY), the current Total Payout Ratio is 0.48 as of Jul. 16, 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 (ALLY) Overvalued in 2026?

Based on GuruFocus' analysis, Ally Financial stock appears to be overvalued. The current stock price of $46.61 is trading 20.7% above its estimated GF Value™ of $38.61. GuruFocus considers Ally Financial to be Modestly Overvalued.

Key valuation signals for ALLY:

  • Total Payout Ratio: 0.48
  • GF Value™: $38.61 vs. price of $46.61 (20.7% above fair value)
  • GF Score™: 69/100 with 8 warning signs

No single metric tells the full story. See the 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.
69GF Score

Get the complete analysis for ALLY

Total Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$46.61
Price
$38.61
GF Value