Ally Financial Inc.

ALLYNYSEFinancial Services● Active

$42.77

+$0.36(+0.85%)

Market Cap$13.1B

P/E Ratio—

52W High$47.27

52W Low$34.735

Avg Volume3.5M

Open$42.40

Beta1.09

Overview

Ally Financial Inc. (ALLY) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

ALLY · free cash flow · updated Jun 8, 2026

Core FCF metrics

ALLY · FCF · TTM · margin & CAGR

Free cash flow was −$647.0M for FY2025 (fiscal year ending 2025-12-31), down 160.6% year-over-year The FCF margin was -5.3%.

FY2025 Free Cash Flow−$647.0M▼ -160.6% YoY

Trailing 12M (TTM)$11.0MTrailing 4Q sum · TTM positive vs latest FY negative

FCF Margin-5.3%−$647.0M ÷ revenue

3-Year CAGRN/AN/A — contains negative FCF

5-Year CAGRN/AN/A — contains negative FCF

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

ALLY · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$3.63B(4.28B)−$647.0M▼ 160.6%-5.3%

FY2024$4.53B(3.46B)$1.07B▼ 40.6%6.5%

FY2023$4.56B(2.76B)$1.80B▼ 33.8%11.3%

FY2022$6.25B(3.53B)$2.71B▲ +351.9%22.4%

FY2021$4.04B(5.12B)−$1.08B▼ 85.5%-10.1%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

ALLY · P/FCF · FCF yield · FCF per share

Ally Financial Inc. (ALLY) trades at a FCF yield of 0.08% and a price-to-free-cash-flow ratio of 1069.3x. FCF per share stands at $0.04, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

0.08%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$0.04

TTM FCF ÷ Shares Outstanding

Price / FCF

x1069.3

Share Price ÷ FCF per Share

EV / FCF (TTM)

x2289.8

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

ALLY · cash flow statement · operating / investing / financing

For FY2025, Ally Financial Inc. generated $3.63B in operating cash flow and spent 4.28B in capital expenditures, yielding −$647.0M in free cash flow.

Operating Activities

+$3.63B

Cash from core business operations

2025-12-31

Investing Activities

−$5.16B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$1.96B

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($3.63B) − |CapEx| (4.28B) = FCF (−$647.0M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

ALLY vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Ally Financial Inc.YOU

ALLY

−$647.0M-160.6%-5.3%

Loss

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Ally Financial Inc. (ALLY) reported free cash flow of −$647.0M for FY2025 (fiscal year ending 2025-12-31), down 160.6% year-over-year. The FCF margin was -5.3%.

Based on available data, Ally Financial Inc. has maintained positive free cash flow for at least 8 fiscal year(s). FCF peaked at $2.71B in FY2022.

Ally Financial Inc.'s FCF yield is 0.08% and price-to-FCF ratio is 1069.3x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

ALLY free cash flow · 8 questions

Ally Financial Inc. free cash flow was −$647.0M for FY2025, down 160.6% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $11.0M.

ALLY free cash flowALLY FCFALLY FCF 2025ALLY free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Ally Financial Inc. · Ally Financial Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026