What is Ally Finl Inc's earnings per share (EPS)?

Ally Finl Inc (ALLY) reported diluted earnings per share of $2.37 for fiscal year 2025. This represents a 31.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Ally Finl Inc Financials

ALLY

FY2025 annual

Revenue $7.9B -3.3% YoY

Net Income $852.0M +27.5% YoY

EPS (Diluted) $2.37 +31.7% YoY

Free Cash Flow Not reported for FY2025

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

Ally Finl Inc (ALLY) reported $7.9B in revenue for fiscal year 2025, down 3.3% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI ALLY FY2025 2026-05-05

Ally’s profit engine is the spread between asset yields and funding costs on a heavily funded balance sheet.

FY2025 net income rose to $852M from $668M even as revenue slipped to $7.9B, because interest expense eased by about $1.1B from FY2024. That link between a smaller top line and better earnings shows the real swing factor is cost of funds, not sales volume, in a business earning only 0.4% on $196.0B of assets.

Cash conversion remains stronger than headline profit: FY2025 operating cash flow was $3.7B against $852M of net income, more than 4x coverage. But that cash flow is still below the $6.2B reached in FY2022, so the earnings rebound has not been matched by equally strong balance-sheet cash generation.

With equity funding only about 7.9% of assets in FY2025, Ally remains a liability-funded model; the modest debt-to-equity reading of 0.9x does not change that basic structure. Capital and liquidity look thicker than in FY2022, with cash near $10.0B and equity at $15.5B, but ROE at 5.5% versus 13.3% shows that added cushion has come with lower return intensity.

Financial Health Signals

Financial health score not available

Ally Finl Inc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/7

Ally Finl Inc passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

4.38x

For every $1 of reported earnings, Ally Finl Inc generates $4.38 in operating cash flow ($3.7B OCF vs $852.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$7.9B

YoY-3.3%

5Y CAGR+3.4%

10Y CAGR+5.0%

Ally Finl Inc generated $7.9B in revenue in fiscal year 2025. This represents a decrease of 3.3% from the prior year.

Net Income

$852.0M

YoY+27.5%

5Y CAGR-4.7%

10Y CAGR-4.1%

Ally Finl Inc reported $852.0M in net income in fiscal year 2025. This represents an increase of 27.5% from the prior year.

EPS (Diluted)

$2.37

YoY+31.7%

5Y CAGR-3.8%

Ally Finl Inc earned $2.37 per diluted share (EPS) in fiscal year 2025. This represents an increase of 31.7% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Cash & Debt

$10.0B

YoY-2.5%

5Y CAGR-8.5%

10Y CAGR+4.6%

Ally Finl Inc held $10.0B in cash against $14.4B in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.20

YoY0.0%

5Y CAGR+9.6%

Ally Finl Inc paid $1.20 per share in dividends in fiscal year 2025. That is unchanged from the prior year.

Shares Outstanding

308M

YoY+0.4%

5Y CAGR-3.8%

10Y CAGR-4.4%

Ally Finl Inc had 308M shares outstanding in fiscal year 2025. This represents an increase of 0.4% from the prior year.

Free Cash Flow

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

10.8%

YoY+2.6pp

5Y CAGR-5.5pp

10Y CAGR-15.7pp

Ally Finl Inc's net profit margin was 10.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.6 percentage points from the prior year.

Return on Equity

5.5%

YoY+0.7pp

5Y CAGR-1.9pp

10Y CAGR-4.1pp

Ally Finl Inc's ROE was 5.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.7 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Share Buybacks

$59.0M

YoY+55.3%

5Y CAGR-11.1%

10Y CAGR+13.9%

Ally Finl Inc spent $59.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 55.3% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Capital Expenditures

Not reported for fiscal year 2025.

ALLY Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

ALLY annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$8.7B	$7.9B-3.3%	$8.2B-0.6%	$8.2B-2.3%	$8.4B+2.7%	$8.2B+22.7%	$6.7B+4.6%	$6.4B+10.2%	$5.8B+0.7%	$5.8B+6.0%	$5.4B+11.8%	$4.9B+4.5%	$4.7B+9.1%	$4.3B-4.5%	$4.5B+30.9%	$3.4B
SG&A Expenses	$1.9B	$1.9B+0.8%	$1.8B-3.1%	$1.9B+0.1%	$1.9B+15.6%	$1.6B+19.4%	$1.4B+12.6%	$1.2B+5.8%	$1.2B+5.5%	$1.1B+10.4%	$992.0M+3.0%	$963.0M+1.7%	$947.0M-7.1%	$1.0B-7.9%	$1.1B+11.4%	$993.0M
Interest Expense	$6.2B	$6.4B-14.2%	$7.5B+8.3%	$6.9B+141.4%	$2.9B+49.3%	$1.9B-41.0%	$3.2B-23.6%	$4.2B+16.7%	$3.6B+27.3%	$2.9B+8.7%	$2.6B+8.2%	$2.4B-12.7%	$2.8B-16.1%	$3.3B-18.1%	$4.1B-12.0%	$4.6B
Income Tax	$382.0M	$199.0M+19.2%	$167.0M+16.0%	$144.0M-77.0%	$627.0M-20.6%	$790.0M+140.9%	$328.0M+33.3%	$246.0M-31.5%	$359.0M-38.2%	$581.0M+23.6%	$470.0M-5.2%	$496.0M+54.5%	$321.0M+644.1%	-$59.0M+93.1%	-$856.0M-2138.1%	$42.0M
Net Income	$1.5B	$852.0M+27.5%	$668.0M-30.2%	$957.0M-44.2%	$1.7B-44.0%	$3.1B+182.0%	$1.1B-36.7%	$1.7B+35.8%	$1.3B+36.0%	$929.0M-12.9%	$1.1B-17.2%	$1.3B+12.1%	$1.1B+218.6%	$361.0M-69.8%	$1.2B+861.8%	-$157.0M
EPS (Diluted)	—	$2.37+31.7%	$1.80-35.0%	$2.77-44.9%	$5.03-38.8%	$8.22+185.4%	$2.88-33.6%	$4.34+47.1%	$2.95+44.6%	$2.04-5.1%	$2.15+180.8%	-$2.66-245.4%	$1.83+211.6%	-$1.64-270.8%	$0.96	-$691.00

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$2.3B+8.8%	$2.1B-1.0%	$2.1B-2.1%	$2.2B+4.1%	$2.1B+35.1%	$1.5B-23.9%	$2.0B-5.1%	$2.1B
SG&A Expenses	$458.0M-6.7%	$491.0M+3.4%	$475.0M+6.3%	$447.0M+4.0%	$430.0M-14.9%	$505.0M+13.2%	$446.0M+2.5%	$435.0M
Interest Expense	$1.5B-0.3%	$1.5B-2.9%	$1.6B-1.0%	$1.6B-0.9%	$1.6B-4.9%	$1.7B-6.9%	$1.8B-4.6%	$1.9B
Income Tax	$127.0M+56.8%	$81.0M+37.3%	$59.0M-48.7%	$115.0M+36.9%	$84.0M+242.4%	-$59.0M	$0-100.0%	$67.0M
Net Income	$410.0M+28.5%	$319.0M-2.4%	$327.0M-17.8%	$398.0M+13.1%	$352.0M+256.4%	-$225.0M-308.3%	$108.0M-45.5%	$198.0M
EPS (Diluted)	$1.18+26.9%	$0.93	N/A	$1.18+13.5%	$1.04+226.8%	-$0.82	$0.26-52.7%	$0.55

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

ALLY Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

ALLY annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$196.0B+2.2%	$191.8B-2.3%	$196.3B+2.3%	$191.8B+5.3%	$182.1B0.0%	$182.2B+0.8%	$180.6B+1.0%	$178.9B+7.0%	$167.1B+2.1%	$163.7B+3.2%	$158.6B+4.6%	$151.6B+0.5%	$150.9B-17.2%	$182.3B-0.9%	$184.1B
Cash & Equivalents	$10.0B-2.5%	$10.3B+48.2%	$6.9B+24.7%	$5.6B+10.1%	$5.1B-67.6%	$15.6B+339.4%	$3.6B-21.6%	$4.5B+6.7%	$4.3B-28.3%	$5.9B-7.0%	$6.4B+14.4%	$5.6B+0.8%	$5.5B-26.4%	$7.5B-42.4%	$13.0B
Goodwill	$190.0M-65.5%	$551.0M-17.6%	$669.0M-18.6%	$822.0M0.0%	$822.0M+139.7%	$343.0M-12.7%	$393.0M+63.7%	$240.0M0.0%	$240.0M0.0%	$240.0M+788.9%	$27.0M	N/A	N/A	$27.0M-94.8%	$518.0M
Total Liabilities	$180.5B+1.4%	$177.9B-2.6%	$182.6B+2.0%	$179.0B+8.4%	$165.1B-1.4%	$167.5B+0.7%	$166.2B+0.4%	$165.6B+7.8%	$153.7B+2.2%	$150.4B+3.6%	$145.1B+6.5%	$136.2B-0.5%	$137.0B-15.7%	$162.4B-1.4%	$164.8B
Long-Term Debt	$14.4B+13.7%	$12.7B-4.2%	$13.2B-0.9%	$13.3B+19.6%	$11.2B-34.0%	$16.9B-31.8%	$24.8B-29.6%	$35.2B+6.1%	$33.2B-15.5%	$39.3B-28.2%	$54.6B+12.6%	$48.5B-6.4%	$51.8B-14.9%	$60.9B-7.1%	$65.6B
Total Equity	$15.5B+11.5%	$13.9B+1.5%	$13.7B+6.6%	$12.9B-24.6%	$17.1B+16.0%	$14.7B+2.0%	$14.4B+8.7%	$13.3B-1.7%	$13.5B+1.3%	$13.3B-0.9%	$13.4B-12.7%	$15.4B+8.4%	$14.2B-28.6%	$19.9B+3.2%	$19.3B
Retained Earnings	$633.0M+134.4%	$270.0M+196.7%	$91.0M+123.7%	-$384.0M+76.0%	-$1.6B+62.6%	-$4.3B-5.4%	-$4.1B+26.1%	-$5.5B+14.3%	-$6.4B+10.4%	-$7.2B+11.8%	-$8.1B-18.8%	-$6.8B+11.4%	-$7.7B-9.8%	-$7.0B+5.3%	-$7.4B

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$199.8B+1.3%	$197.3B+0.6%	$196.0B+2.2%	$191.7B+1.2%	$189.5B-2.0%	$193.3B+0.8%	$191.8B-0.4%	$192.7B
Cash & Equivalents	$7.8B-17.6%	$9.5B-5.1%	$10.0B-2.1%	$10.2B-3.3%	$10.6B+1.8%	$10.4B+1.1%	$10.3B+19.5%	$8.6B
Goodwill	$190.0M0.0%	$190.0M0.0%	$190.0M0.0%	$190.0M0.0%	$190.0M0.0%	$190.0M-65.5%	$551.0M-17.6%	$669.0M
Total Liabilities	$184.3B+1.4%	$181.7B+0.6%	$180.5B+2.2%	$176.6B+1.0%	$174.9B-2.3%	$179.1B+0.7%	$177.9B-0.2%	$178.3B
Long-Term Debt	$13.9B-6.7%	$14.9B+3.5%	$14.4B+8.8%	$13.2B+7.1%	$12.4B+2.7%	$12.0B-5.0%	$12.7B-3.0%	$13.1B
Total Equity	$15.5B-0.8%	$15.6B+0.7%	$15.5B+2.5%	$15.1B+3.9%	$14.5B+2.2%	$14.2B+2.4%	$13.9B-3.5%	$14.4B
Retained Earnings	$1.1B+33.1%	$827.0M+30.6%	$633.0M+48.2%	$427.0M+182.8%	$151.0M+293.6%	-$78.0M-128.9%	$270.0M-4.9%	$284.0M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.

ALLY Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

ALLY annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$4.6B	$3.7B-17.6%	$4.5B-0.6%	$4.6B-27.1%	$6.2B+54.6%	$4.0B+8.1%	$3.7B-7.7%	$4.0B-2.4%	$4.2B+1.7%	$4.1B-10.7%	$4.6B-10.6%	$5.1B+50.2%	$3.4B+36.1%	$2.5B-50.5%	$5.0B-8.1%	$5.5B
Investing Cash Flow	-$14.5B	-$5.3B-205.5%	$5.0B+169.5%	-$7.2B+58.4%	-$17.3B-55.6%	-$11.1B-231.7%	$8.4B+323.6%	-$3.8B+74.0%	-$14.5B-66.3%	-$8.7B+3.8%	-$9.1B+9.3%	-$10.0B-211.4%	-$3.2B+9.3%	-$3.5B+78.6%	-$16.6B-17.2%	-$14.1B
Financing Cash Flow	$8.0B	$2.0B+135.1%	-$5.6B-245.0%	$3.8B-66.8%	$11.6B+400.8%	-$3.8B-15492.0%	$25.0M+101.6%	-$1.5B-114.3%	$10.7B+427.3%	$2.0B-44.6%	$3.7B-32.6%	$5.4B+3854.5%	-$145.0M+95.3%	-$3.1B-138.3%	$8.0B-20.0%	$10.1B
Dividends Paid	$381.0M	$379.0M+1.9%	$372.0M+1.1%	$368.0M-4.2%	$384.0M+18.5%	$324.0M+12.1%	$289.0M+5.9%	$273.0M+12.8%	$242.0M+31.5%	$184.0M+70.4%	$108.0M-95.8%	$2.6B+859.3%	$268.0M-66.9%	$810.0M+1.0%	$802.0M-2.1%	$819.0M
Share Buybacks	$319.0M	$59.0M+55.3%	$38.0M+15.2%	$33.0M-98.0%	$1.6B-17.3%	$2.0B+1781.1%	$106.0M-89.8%	$1.0B+10.6%	$939.0M+24.7%	$753.0M+120.8%	$341.0M+2031.3%	$16.0M	$0	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$1.4B-1.3%	$1.4B+114.2%	$640.0M-46.8%	$1.2B+26.9%	$947.0M+0.7%	$940.0M-1.2%	$951.0M+11.0%	$857.0M
Investing Cash Flow	-$4.6B-51.0%	-$3.0B+31.6%	-$4.5B-86.9%	-$2.4B-181.8%	$2.9B+316.9%	-$1.3B-211.2%	$1.2B+0.9%	$1.2B
Financing Cash Flow	$1.6B+49.9%	$1.1B-72.7%	$4.0B+213.5%	$1.3B+133.9%	-$3.8B-961.9%	$438.0M+708.3%	-$72.0M+91.8%	-$874.0M
Dividends Paid	$92.0M-9.8%	$102.0M+8.5%	$94.0M+1.1%	$93.0M+1.1%	$92.0M-8.0%	$100.0M+8.7%	$92.0M0.0%	$92.0M
Share Buybacks	$148.0M+0.7%	$147.0M+539.1%	$23.0M+2200.0%	$1.0M0.0%	$1.0M-97.1%	$34.0M+385.7%	$7.0M+600.0%	$1.0M

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.

ALLY Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

ALLY annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	10.8%+2.6pp	8.2%-3.5pp	11.6%-8.7pp	20.3%-17.0pp	37.3%+21.1pp	16.2%-10.6pp	26.8%+5.1pp	21.8%+5.6pp	16.1%-3.5pp	19.6%-6.9pp	26.5%+1.8pp	24.7%+16.3pp	8.5%-18.3pp	26.8%+31.4pp	-4.6%
Return on Equity	5.5%+0.7pp	4.8%-2.2pp	7.0%-6.3pp	13.3%-4.6pp	17.9%+10.6pp	7.4%-4.5pp	11.9%+2.4pp	9.5%+2.6pp	6.9%-1.1pp	8.0%-1.6pp	9.6%+2.1pp	7.5%+4.9pp	2.5%-3.5pp	6.0%+6.8pp	-0.8%
Return on Assets	0.4%+0.1pp	0.4%-0.1pp	0.5%-0.4pp	0.9%-0.8pp	1.7%+1.1pp	0.6%-0.3pp	0.9%+0.2pp	0.7%+0.2pp	0.6%-0.1pp	0.7%-0.2pp	0.8%0.0pp	0.8%+0.5pp	0.2%-0.4pp	0.7%+0.8pp	-0.1%
Debt-to-Equity	0.930.0x	0.91-0.1x	0.97-0.1x	1.04+0.4x	0.65-0.5x	1.15-0.6x	1.72-0.9x	2.65+0.2x	2.46-0.5x	2.95-1.1x	4.07+0.9x	3.15-0.5x	3.65+0.6x	3.06-0.3x	3.40

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	17.9%+2.8pp	15.2%-0.2pp	15.4%-3.0pp	18.4%+1.5pp	16.9%+31.5pp	-14.6%-19.9pp	5.3%-3.9pp	9.3%
Return on Equity	2.6%+0.6pp	2.0%-0.1pp	2.1%-0.5pp	2.6%+0.2pp	2.4%+4.0pp	-1.6%-2.4pp	0.8%-0.6pp	1.4%
Return on Assets	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.3pp	-0.1%-0.2pp	0.1%0.0pp	0.1%
Debt-to-Equity	0.90-0.1x	0.960.0x	0.93+0.1x	0.880.0x	0.850.0x	0.85-0.1x	0.910.0x	0.91

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

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Frequently Asked Questions

What is Ally Finl Inc's annual revenue?

Ally Finl Inc (ALLY) reported $7.9B in total revenue for fiscal year 2025. This represents a -3.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Ally Finl Inc's revenue growing?

Ally Finl Inc (ALLY) revenue declined by 3.3% year-over-year, from $8.2B to $7.9B in fiscal year 2025.

Is Ally Finl Inc profitable?

Yes, Ally Finl Inc (ALLY) reported a net income of $852.0M in fiscal year 2025, with a net profit margin of 10.8%.

How much debt does Ally Finl Inc have?

As of fiscal year 2025, Ally Finl Inc (ALLY) had $10.0B in cash and equivalents against $14.4B in long-term debt.

What is Ally Finl Inc's net profit margin?

Ally Finl Inc (ALLY) had a net profit margin of 10.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Ally Finl Inc pay dividends?

Yes, Ally Finl Inc (ALLY) paid $1.20 per share in dividends during fiscal year 2025.

What is Ally Finl Inc's return on equity (ROE)?

Ally Finl Inc (ALLY) has a return on equity of 5.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Ally Finl Inc's operating cash flow?

Ally Finl Inc (ALLY) generated $3.7B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Ally Finl Inc's total assets?

Ally Finl Inc (ALLY) had $196.0B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Ally Finl Inc buy back shares?

Yes, Ally Finl Inc (ALLY) spent $59.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Ally Finl Inc have outstanding?

Ally Finl Inc (ALLY) had 308M shares outstanding as of fiscal year 2025.

What is Ally Finl Inc's debt-to-equity ratio?

Ally Finl Inc (ALLY) had a debt-to-equity ratio of 0.93 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Ally Finl Inc's return on assets (ROA)?

Ally Finl Inc (ALLY) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Ally Finl Inc's Piotroski F-Score?

Ally Finl Inc (ALLY) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Ally Finl Inc's earnings high quality?

Ally Finl Inc (ALLY) has an earnings quality ratio of 4.38x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.