Ally Financial (ALLY) Financials

$34.78 +1.20 (+3.57%)

Closing price 05/27/2025 03:59 PM Eastern

Extended Trading

$34.70 -0.08 (-0.24%)

As of 05/27/2025 07:11 PM Eastern

Annual Income Statements for Ally Financial

This table shows Ally Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	558	847	1,604	3,003	1,085	1,715	1,263	929	1,067	1,289
Consolidated Net Income / (Loss)	668	957	1,714	3,060	1,085	1,715	1,263	929	1,067	1,289
Net Income / (Loss) Continuing Operations	669	959	1,715	3,065	1,086	1,721	1,263	926	1,111	897
Total Pre-Tax Income	836	1,103	2,342	3,855	1,414	1,967	1,622	1,507	1,581	1,393
Total Revenue	8,181	8,234	8,428	8,206	6,686	6,394	5,804	5,765	5,437	4,861
Net Interest Income / (Expense)	6,014	6,221	6,850	6,167	3,268	4,633	2,901	4,221	3,907	3,719
Total Interest Income	14,222	13,958	10,621	8,651	7,362	9,857	7,563	8,322	8,305	8,397
Loans and Leases Interest Income	12,799	12,604	9,726	8,036	6,598	8,824	6,703	7,686	7,873	8,008
Investment Securities Interest Income	1,037	1,022	841	600	736	955	788	599	418	381
Deposits and Money Market Investments Interest Income	386	332	54	15	28	78	72	37	14	8.00
Total Interest Expense	8,208	7,737	3,771	2,484	4,094	5,224	4,662	4,101	4,398	4,678
Deposits Interest Expense	6,388	5,819	1,987	1,045	1,952	2,538	1,735	1,077	830	718
Short-Term Borrowings Interest Expense	66	73	107	1.00	42	135	149	127	57	49
Long-Term Debt Interest Expense	1,017	1,001	763	860	1,249	1,570	1,753	1,653	1,742	1,662
Capitalized Lease Obligations Interest Expense	736	840	914	570	851	981	1,025	1,244	1,769	2,249
Other Interest Expense	1.00	4.00	0.00	8.00	0.00	0.00	-	-	-	-
Total Non-Interest Income	2,167	2,013	1,578	2,039	3,418	1,761	2,903	1,544	1,530	1,142
Service Charges on Deposit Accounts	1,413	1,271	1,151	1,117	1,103	1,087	1,022	973	945	940
Other Service Charges	658	582	495	686	565	405	418	401	389	359
Net Realized & Unrealized Capital Gains on Investments	96	160	-68	236	315	269	-26	170	196	-157
Provision for Credit Losses	2,166	1,968	1,399	241	-	998	918	1,148	917	707
Total Non-Interest Expense	5,179	5,163	4,687	4,110	3,833	3,429	3,264	3,110	2,939	2,761
Salaries and Employee Benefits	1,842	1,901	1,900	1,643	1,376	1,222	1,155	1,095	992	963
Property & Liability Insurance Claims	544	422	280	261	363	321	295	332	342	293
Other Operating Expenses	2,675	2,691	2,507	2,206	2,044	1,886	1,814	1,683	1,605	1,505
Impairment Charge	118	149	0.00	0.00	50	0.00	0.00	-	-	-
Income Tax Expense	167	144	627	790	328	246	359	581	470	496
Net Income / (Loss) Discontinued Operations	-1.00	-2.00	-1.00	-10	-1.00	-12	-	-	-44	392
Preferred Stock Dividends Declared	110	110	110	-	-	-	-	-	-	-
Basic Earnings per Share	$1.82	$2.79	$5.06	$8.28	$2.89	$4.36	$2.97	$2.05	$2.15	($2.66)
Weighted Average Basic Shares Outstanding	306.91M	303.75M	316.69M	362.58M	375.63M	393.23M	425.17M	453.70M	481.11M	-484.60M
Diluted Earnings per Share	$1.80	$2.77	$5.03	$8.22	$2.88	$4.34	$2.95	$2.04	$2.15	($2.66)
Weighted Average Diluted Shares Outstanding	310.16M	305.14M	318.63M	365.18M	377.10M	395.40M	425.17M	453.70M	481.11M	-484.60M
Weighted Average Basic & Diluted Shares Outstanding	307.11M	303.96M	300.81M	333.20M	374.01M	375.07M	425.17M	453.70M	481.11M	-484.60M
Cash Dividends to Common per Share	$1.20	$1.20	$1.20	$0.88	$0.76	$0.68	$0.56	$0.40	$0.16	$0.00

This table shows Ally Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	-253	-167	330	266	129	-14	269	301	291	251	272
Consolidated Net Income / (Loss)	-225	-140	357	294	157	13	296	329	319	278	299
Net Income / (Loss) Continuing Operations	-225	-139	357	294	157	14	296	329	320	278	300
Total Pre-Tax Income	-284	175	233	257	171	84	228	403	388	445	417
Total Revenue	1,541	2,092	2,103	2,000	1,986	2,087	1,968	2,079	2,100	2,201	2,016
Net Interest Income / (Expense)	1,478	1,575	1,488	1,495	1,456	1,513	1,533	1,573	1,602	1,674	1,719
Total Interest Income	3,393	3,528	3,574	3,538	3,582	3,623	3,595	3,454	3,286	3,099	2,761
Loans and Leases Interest Income	3,065	3,185	3,210	3,185	3,219	3,263	3,229	3,120	2,992	2,836	2,527
Investment Securities Interest Income	230	244	262	265	266	270	267	247	238	232	218
Deposits and Money Market Investments Interest Income	98	99	102	88	97	90	99	87	56	31	16
Total Interest Expense	1,915	1,953	2,086	2,043	2,126	2,110	2,062	1,881	1,684	1,425	1,042
Deposits Interest Expense	1,403	1,527	1,616	1,594	1,651	1,621	1,563	1,418	1,217	946	567
Short-Term Borrowings Interest Expense	1.00	3.00	13	27	23	37	13	11	12	40	43
Long-Term Debt Interest Expense	271	269	256	244	248	248	274	252	227	200	194
Capitalized Lease Obligations Interest Expense	240	154	201	177	204	202	212	200	226	240	238
Total Non-Interest Income	63	517	615	505	530	574	435	506	498	527	297
Service Charges on Deposit Accounts	364	368	359	341	345	335	320	310	306	302	289
Other Service Charges	197	167	176	165	150	151	152	165	114	148	52
Net Realized & Unrealized Capital Gains on Investments	-498	-18	80	-1.00	35	88	-37	31	78	77	-44
Provision for Credit Losses	191	557	645	457	507	587	508	427	446	490	438
Total Non-Interest Expense	1,634	1,360	1,225	1,286	1,308	1,416	1,232	1,249	1,266	1,266	1,161
Salaries and Employee Benefits	505	446	435	442	519	453	463	448	537	503	467
Property & Liability Insurance Claims	161	116	135	181	112	93	107	134	88	63	70
Other Operating Expenses	663	680	655	663	677	721	662	667	641	700	624
Impairment Charge	305	-	-	-	-	-	-	-	-	-	-
Income Tax Expense	-59	314	-124	-37	14	70	-68	74	68	167	117
Basic Earnings per Share	($0.82)	($0.54)	$1.07	$0.87	$0.42	($0.04)	$0.88	$0.99	$0.96	$0.90	$0.88
Weighted Average Basic Shares Outstanding	309.01M	306.91M	307.31M	306.77M	306.00M	303.75M	304.13M	303.68M	302.66M	316.69M	308.22M
Diluted Earnings per Share	($0.82)	($0.54)	$1.06	$0.86	$0.42	($0.06)	$0.88	$0.99	$0.96	$0.89	$0.88
Weighted Average Diluted Shares Outstanding	309.01M	310.16M	311.04M	309.89M	308.42M	305.14M	305.69M	304.65M	303.45M	318.63M	310.09M
Weighted Average Basic & Diluted Shares Outstanding	307.17M	307.11M	304.71M	304.67M	303.98M	303.96M	301.63M	301.62M	300.82M	300.81M	298.65M
Cash Dividends to Common per Share	$0.30	$0.30	$0.30	$0.30	$0.30	$0.30	$0.30	$0.30	$0.30	$0.30	$0.30

This table details how cash moves in and out of Ally Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Change in Cash & Equivalents	3,941	1,217	552	-10,904	12,194	-1,246	357	-2,612	-832	548
Net Cash From Operating Activities	4,528	4,557	6,247	4,042	3,739	4,050	4,150	4,079	4,567	5,111
Net Cash From Continuing Operating Activities	4,528	4,557	6,247	4,042	3,739	4,050	4,150	4,079	4,567	5,111
Net Income / (Loss) Continuing Operations	668	957	1,714	3,060	1,085	1,715	1,263	929	1,067	1,289
Consolidated Net Income / (Loss)	668	957	1,714	3,060	1,085	1,715	1,263	929	1,067	1,289
Provision For Loan Losses	2,166	1,968	1,399	241	1,439	998	918	1,148	917	707
Depreciation Expense	1,199	1,227	1,327	1,261	1,550	1,555	1,649	1,859	2,382	2,801
Non-Cash Adjustments to Reconcile Net Income	435	394	-65	-384	-303	-257	-42	-274	-97	-407
Changes in Operating Assets and Liabilities, net	60	11	1,872	-136	-32	39	362	417	298	721
Net Cash From Investing Activities	4,991	-7,182	-17,263	-11,098	8,427	-3,769	-14,509	-8,727	-9,070	-10,003
Net Cash From Continuing Investing Activities	4,991	-7,182	-17,263	-11,098	8,427	-3,769	-14,509	-8,727	-9,070	-10,003
Purchase of Investment Securities	-5,959	-7,922	-18,510	-33,317	-30,090	-25,052	-22,509	-23,046	-33,446	-30,780
Divestitures	1,956	0.00	0.00	-	-	-	-	-	-	1,049
Sale and/or Maturity of Investments	5,102	-2,488	-1,776	18,725	35,419	18,639	5,092	8,939	18,700	14,329
Other Investing Activities, net	3,892	3,228	3,023	3,494	3,098	2,815	2,908	5,380	5,676	5,399
Net Cash From Financing Activities	-5,566	3,839	11,575	-3,848	25	-1,530	10,721	2,033	3,670	5,444
Net Cash From Continuing Financing Activities	-5,566	3,839	11,575	-3,848	25	-1,530	10,721	2,033	3,670	5,444
Net Change in Deposits	-3,227	2,342	10,703	4,511	16,262	14,547	12,867	14,172	12,508	8,247
Issuance of Debt	4,337	6,603	7,125	2,997	265	6,915	18,401	17,969	18,719	31,693
Repayment of Debt	-6,156	-4,595	-4,065	-8,204	-16,107	-21,680	-19,366	-29,171	-26,412	-31,350
Repurchase of Common Equity	-38	-33	-1,650	-1,994	-106	-1,039	-939	-753	-341	-16
Payment of Dividends	-482	-478	-494	-381	-289	-273	-242	-184	-108	-2,571
Other Financing Activities, Net	0.00	0.00	-44	-391	0.00	0.00	-	-	-	-
Effect of Exchange Rate Changes	-12	3.00	-7.00	0.00	3.00	3.00	-5.00	3.00	1.00	-4.00
Cash Interest Paid	7,354	6,357	2,583	2,033	3,366	4,034	3,380	2,829	2,647	2,632
Cash Income Taxes Paid	135	-27	-425	1,292	53	64	36	51	19	96

This table details how cash moves in and out of Ally Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	37	2,076	1,180	-516	1,201	-1,679	-1,520	43	4,373	500	963
Net Cash From Operating Activities	940	620	992	1,575	1,341	-123	1,660	1,588	1,432	1,173	1,602
Net Cash From Continuing Operating Activities	940	620	992	1,575	1,341	-123	1,660	1,588	1,432	1,173	1,602
Net Income / (Loss) Continuing Operations	-225	-140	357	294	157	13	296	329	319	278	299
Consolidated Net Income / (Loss)	-225	-140	357	294	157	13	296	329	319	278	299
Provision For Loan Losses	191	557	645	457	507	587	508	427	446	490	438
Depreciation Expense	361	269	314	294	322	304	310	296	317	327	334
Non-Cash Adjustments to Reconcile Net Income	856	100	132	291	-88	96	74	78	146	66	-25
Changes in Operating Assets and Liabilities, net	-243	-166	-456	239	443	-1,123	472	458	204	12	556
Net Cash From Investing Activities	-1,341	1,537	1,060	-1,107	3,501	-2,967	-1,735	-2,098	-382	-3,355	-4,473
Net Cash From Continuing Investing Activities	-1,341	1,537	1,060	-1,107	3,501	-2,967	-1,735	-2,098	-382	-3,355	-4,473
Purchase of Investment Securities	-5,369	-777	-1,229	-1,995	-1,958	-1,438	-2,267	-2,459	-1,758	-2,141	-1,245
Divestitures	0.00	-	-	7.00	1,949	-	-	-	0.00	-	-
Sale and/or Maturity of Investments	3,345	1,288	1,391	-198	2,621	-2,373	-272	-513	670	-1,788	-4,207
Other Investing Activities, net	683	1,026	898	1,079	889	844	804	874	706	574	979
Net Cash From Financing Activities	438	-72	-874	-982	-3,638	1,408	-1,442	550	3,323	2,680	3,842
Net Cash From Continuing Financing Activities	438	-72	-874	-982	-3,638	1,408	-1,442	550	3,323	2,680	3,842
Net Change in Deposits	-64	-470	-212	-2,934	389	1,817	-1,478	288	1,715	6,537	5,325
Issuance of Debt	24	1,471	2,492	3,548	-3,174	1,710	842	1,866	2,185	-4,942	7,851
Repayment of Debt	640	-947	-3,034	-1,476	-699	-1,997	-689	-1,483	-426	1,249	-8,797
Repurchase of Common Equity	-34	-7.00	-1.00	-1.00	-29	-4.00	-	-2.00	-27	-51	-415
Payment of Dividends	-128	-119	-119	-119	-125	-118	-117	-119	-124	-113	-122
Effect of Exchange Rate Changes	0.00	-9.00	2.00	-2.00	-3.00	3.00	-3.00	3.00	0.00	2.00	-8.00
Cash Interest Paid	1,587	2,311	1,588	1,814	1,641	2,462	1,347	1,463	1,085	1,241	570
Cash Income Taxes Paid	13	41	49	38	7.00	15	29	79	-150	2.00	2.00

This table presents Ally Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Total Assets	191,836	196,329	191,826	182,114	182,165	199,988	197,772	167,148	163,728	158,581
Cash and Due from Banks	522	638	542	502	724	619	810	844	1,547	2,148
Interest Bearing Deposits at Other Banks	9,770	6,307	5,029	4,560	14,897	2,936	3,727	3,408	4,387	4,232
Trading Account Securities	27,787	30,305	31,938	35,306	32,560	32,626	28,752	24,310	19,765	17,262
Loans and Leases, Net of Allowance	132,316	135,852	132,037	0.00	118,534	-1,416	0.00	0.00	0.00	0.00
Loans and Leases	136,030	139,439	135,748	-	118,534	-	-	-	-	-
Allowance for Loan and Lease Losses	3,714	3,587	3,711	-	-	1,416	-	-	-	-
Premises and Equipment, Net	7,991	9,085	10,444	-	-	-	-	8,741	11,470	16,271
Unearned Premiums Asset	2,790	2,749	2,698	2,724	2,679	2,558	2,326	2,047	1,905	1,801
Other Assets	10,660	11,393	9,138	139,022	12,771	162,665	162,157	127,798	124,654	116,867
Total Liabilities & Shareholders' Equity	191,836	196,329	191,826	182,114	182,165	180,644	178,869	167,148	163,728	158,581
Total Liabilities	177,933	182,626	178,967	165,064	167,462	166,228	165,601	153,654	150,411	145,142
Non-Interest Bearing Deposits	131	139	185	150	128	119	142	108	84	89
Interest Bearing Deposits	151,443	154,527	152,112	141,408	136,908	120,633	106,036	93,148	78,938	66,389
Short-Term Debt	1,625	3,297	2,399	0.00	2,136	5,531	9,987	11,413	12,673	8,101
Accrued Interest Payable	890	858	408	210	412	641	523	375	351	350
Long-Term Debt	17,495	17,570	17,762	17,029	22,006	43,114	54,675	44,226	54,128	66,234
Unearned Premiums Liability	3,535	3,492	3,453	3,514	3,438	3,305	3,044	2,604	2,500	2,434
Other Long-Term Liabilities	2,814	2,743	2,648	2,753	2,434	-7,115	-8,806	-	-	-
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	-	-	-	-	-
Total Equity & Noncontrolling Interests	13,903	13,703	12,859	17,050	14,703	14,416	13,268	13,494	13,317	13,439
Total Preferred & Common Equity	13,903	13,703	12,859	17,050	14,703	14,416	13,268	13,494	13,317	13,439
Preferred Stock	2,324	2,324	2,324	2,324	0.00	-	-	-	-	-
Total Common Equity	11,579	11,379	10,535	14,726	14,703	14,416	13,268	13,494	13,317	13,439
Common Stock	22,142	21,975	21,816	21,671	21,544	21,438	21,345	21,245	21,166	21,100
Retained Earnings	270	91	-384	-1,599	-4,278	-4,057	-5,489	-6,406	-7,151	-8,110
Treasury Stock	-6,909	-6,871	-6,838	-5,188	-3,194	-3,088	-2,049	-1,110	-357	680
Accumulated Other Comprehensive Income / (Loss)	-3,924	-3,816	-4,059	-158	631	123	-539	-235	-341	-231

This table presents Ally Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	193,331	192,981	192,531	192,877	195,704	197,241	196,165	188,640
Cash and Due from Banks	543	544	536	589	603	536	554	638
Interest Bearing Deposits at Other Banks	9,866	8,072	6,833	7,564	7,912	9,436	9,226	4,366
Trading Account Securities	28,165	29,529	28,918	29,485	28,821	29,991	31,021	32,152
Loans and Leases, Net of Allowance	130,087	133,801	135,211	134,410	136,423	134,668	0.00	128,845
Loans and Leases	133,485	137,501	138,783	137,960	140,260	138,449	-	132,456
Allowance for Loan and Lease Losses	3,398	3,700	3,572	3,550	3,837	-	-	3,611
Premises and Equipment, Net	7,879	8,318	8,374	8,731	9,569	9,930	10,236	-
Unearned Premiums Asset	2,806	2,810	2,806	2,750	2,775	2,768	2,713	2,719
Other Assets	13,985	9,907	9,853	9,348	9,601	6,131	142,415	19,920
Total Liabilities & Shareholders' Equity	193,331	192,981	192,531	192,877	195,704	197,241	196,165	188,640
Total Liabilities	179,099	178,256	178,680	179,220	182,879	183,709	182,787	176,206
Non-Interest Bearing Deposits	133	174	156	137	188	160	174	220
Interest Bearing Deposits	151,295	151,776	151,998	154,947	152,647	154,150	153,839	145,531
Short-Term Debt	3,339	1,771	3,122	0.00	2,410	2,194	1,455	7,200
Accrued Interest Payable	954	1,425	1,148	1,118	1,437	955	759	484
Long-Term Debt	16,465	16,807	15,979	17,011	20,096	20,141	20,480	16,628
Unearned Premiums Liability	3,563	3,534	3,496	3,480	3,494	3,478	3,455	3,468
Other Long-Term Liabilities	3,350	2,769	2,781	2,527	2,607	2,631	2,625	2,675
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	14,232	14,725	13,851	13,657	12,825	13,532	13,378	12,434
Total Preferred & Common Equity	14,232	14,725	13,851	13,657	12,825	13,532	13,378	12,434
Preferred Stock	2,324	2,324	2,324	2,324	2,324	2,324	2,324	2,324
Total Common Equity	11,908	12,401	11,527	11,333	10,501	11,208	11,054	10,110
Common Stock	22,191	22,101	22,077	22,034	21,936	21,915	21,880	21,781
Retained Earnings	-78	595	360	188	197	23	-185	-544
Treasury Stock	-6,943	-6,902	-6,901	-6,900	-6,867	-6,867	-6,865	-6,787
Accumulated Other Comprehensive Income / (Loss)	-3,262	-3,393	-4,009	-3,989	-4,765	-3,863	-3,776	-4,340

This table displays calculated financial ratios and metrics derived from Ally Financial's official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-0.64%	-2.30%	2.71%	22.73%	4.57%	10.17%	0.68%	6.03%	11.85%	4.52%
EBITDA Growth	-12.66%	-36.50%	-28.28%	16.19%	25.01%	7.67%	-2.82%	-15.06%	-5.51%	0.29%
EBIT Growth	-24.21%	-52.90%	-39.25%	35.12%	45.04%	21.27%	7.63%	-4.68%	13.50%	11.80%
NOPAT Growth	-30.24%	-44.08%	-44.05%	182.23%	-36.90%	36.26%	36.39%	-16.65%	23.86%	-3.03%
Net Income Growth	-30.20%	-44.17%	-43.99%	182.03%	-36.73%	35.79%	35.95%	-12.93%	-17.22%	12.09%
EPS Growth	-35.02%	-44.93%	-38.81%	185.42%	-33.64%	47.12%	44.61%	-5.12%	180.83%	-245.36%
Operating Cash Flow Growth	-0.64%	-27.05%	54.55%	8.10%	-7.68%	-2.41%	1.74%	-10.69%	-10.64%	50.19%
Free Cash Flow Firm Growth	474.96%	-121.31%	-64.58%	-82.46%	176.46%	161.08%	-321.95%	35.86%	346.38%	-54.35%
Invested Capital Growth	-4.48%	4.69%	-3.11%	-12.27%	-52.86%	-14.90%	40.07%	-13.71%	-8.72%	-1.20%
Revenue Q/Q Growth	0.31%	-1.37%	0.02%	2.73%	5.32%	3.31%	-0.60%	1.86%	0.54%	7.16%
EBITDA Q/Q Growth	2.83%	-14.15%	-33.36%	-2.87%	67.86%	5.04%	-2.91%	-3.44%	-3.58%	2.74%
EBIT Q/Q Growth	15.31%	-24.66%	-43.92%	-2.28%	173.01%	6.44%	-2.52%	2.03%	-3.13%	21.24%
NOPAT Q/Q Growth	-24.41%	-21.59%	-18.14%	-0.94%	39.23%	5.65%	9.54%	-6.75%	-2.63%	16.19%
Net Income Q/Q Growth	-24.43%	-21.69%	128.08%	-1.13%	39.82%	5.41%	9.45%	-6.73%	-1.39%	7.15%
EPS Q/Q Growth	-27.71%	-25.54%	-15.46%	-0.24%	41.18%	7.43%	10.90%	-5.56%	-6.11%	-206.40%
Operating Cash Flow Q/Q Growth	16.37%	-22.14%	3.55%	-4.17%	6.19%	2.82%	2.47%	-6.25%	-3.45%	3.99%
Free Cash Flow Firm Q/Q Growth	-23.93%	-127.44%	243.58%	-42.93%	232.36%	33.69%	-751.48%	32.01%	-24.93%	82.19%
Invested Capital Q/Q Growth	-0.84%	-2.15%	-8.94%	5.72%	-9.37%	48.44%	46.79%	0.38%	4.18%	0.38%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	24.87%	28.30%	43.53%	62.34%	65.85%	55.08%	56.36%	58.39%	72.89%	86.28%
EBIT Margin	10.22%	13.40%	27.79%	46.98%	42.67%	30.76%	27.95%	26.14%	29.08%	28.66%
Profit (Net Income) Margin	8.17%	11.62%	20.34%	37.29%	16.23%	26.82%	21.76%	16.11%	19.62%	26.52%
Tax Burden Percent	79.90%	86.76%	73.19%	79.38%	76.73%	87.19%	77.87%	61.65%	67.49%	92.53%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	49.56%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	19.98%	13.06%	26.77%	20.49%	23.20%	12.51%	22.13%	38.55%	29.73%	35.61%
Return on Invested Capital (ROIC)	1.98%	2.84%	5.11%	8.41%	1.79%	1.92%	1.52%	1.24%	1.32%	1.02%
ROIC Less NNEP Spread (ROIC-NNEP)	1.97%	2.83%	5.11%	8.38%	1.79%	1.91%	1.52%	1.25%	1.26%	1.55%
Return on Net Nonoperating Assets (RNNOA)	2.86%	4.37%	6.35%	10.87%	5.66%	10.47%	7.92%	5.69%	6.65%	7.92%
Return on Equity (ROE)	4.84%	7.21%	11.46%	19.27%	7.45%	12.39%	9.44%	6.93%	7.98%	8.94%
Cash Return on Invested Capital (CROIC)	6.56%	-1.75%	8.27%	21.48%	73.64%	18.02%	-31.86%	15.96%	10.44%	2.22%
Operating Return on Assets (OROA)	0.43%	0.57%	1.25%	2.12%	1.49%	0.99%	0.89%	0.91%	0.98%	0.90%
Return on Assets (ROA)	0.34%	0.49%	0.92%	1.68%	0.57%	0.86%	0.69%	0.56%	0.66%	0.83%
Return on Common Equity (ROCE)	4.02%	5.94%	9.68%	17.86%	7.45%	12.39%	9.44%	6.93%	7.98%	8.94%
Return on Equity Simple (ROE_SIMPLE)	4.80%	6.98%	13.33%	17.95%	7.38%	11.90%	9.52%	6.88%	8.01%	9.59%
Net Operating Profit after Tax (NOPAT)	669	959	1,715	3,065	1,086	1,721	1,263	926	1,111	897
NOPAT Margin	8.18%	11.65%	20.35%	37.35%	16.24%	26.92%	21.76%	16.06%	20.43%	18.45%
Net Nonoperating Expense Percent (NNEP)	0.01%	0.01%	0.01%	0.02%	0.00%	0.01%	0.00%	0.00%	0.06%	-0.53%
SG&A Expenses to Revenue	22.52%	23.09%	22.54%	20.02%	20.58%	19.11%	19.90%	18.99%	18.25%	19.81%
Operating Expenses to Revenue	63.31%	62.70%	55.61%	50.09%	57.33%	53.63%	56.24%	53.95%	54.06%	56.80%
Earnings before Interest and Taxes (EBIT)	836	1,103	2,342	3,855	2,853	1,967	1,622	1,507	1,581	1,393
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	2,035	2,330	3,669	5,116	4,403	3,522	3,271	3,366	3,963	4,194
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.94	0.89	0.64	1.03	0.82	0.70	0.60	0.80	0.55	0.54
Price to Tangible Book Value (P/TBV)	0.94	0.89	0.64	1.03	0.82	0.70	0.60	0.80	0.55	0.54
Price to Revenue (P/Rev)	1.33	1.23	0.80	1.85	1.80	1.58	1.38	1.87	1.35	1.50
Price to Earnings (P/E)	19.52	11.97	4.19	5.04	11.07	5.91	6.32	11.59	6.90	5.67
Dividend Yield	3.36%	3.57%	5.33%	2.01%	2.37%	2.55%	2.90%	1.64%	1.03%	0.00%
Earnings Yield	5.12%	8.36%	23.85%	19.83%	9.03%	16.93%	15.83%	8.63%	14.50%	17.65%
Enterprise Value to Invested Capital (EV/IC)	0.67	0.76	0.72	0.86	0.53	0.67	0.70	0.90	0.85	0.86
Enterprise Value to Revenue (EV/Rev)	2.69	3.20	2.80	3.59	3.07	8.64	11.73	10.78	12.55	15.48
Enterprise Value to EBITDA (EV/EBITDA)	10.83	11.32	6.44	5.75	4.66	15.68	20.82	18.47	17.22	17.94
Enterprise Value to EBIT (EV/EBIT)	26.37	23.92	10.09	7.64	7.20	28.07	41.99	41.25	43.15	54.03
Enterprise Value to NOPAT (EV/NOPAT)	32.95	27.51	13.78	9.60	18.91	32.09	53.92	67.12	61.41	83.90
Enterprise Value to Operating Cash Flow (EV/OCF)	4.87	5.79	3.78	7.28	5.49	13.63	16.41	15.24	14.94	14.72
Enterprise Value to Free Cash Flow (EV/FCFF)	9.95	0.00	8.52	3.76	0.46	3.42	0.00	5.22	7.78	38.32
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.38	1.52	1.57	1.00	1.64	3.37	4.87	4.12	5.02	5.53
Long-Term Debt to Equity	1.26	1.28	1.38	1.00	1.50	2.99	4.12	3.28	4.06	4.93
Financial Leverage	1.45	1.54	1.24	1.30	3.16	5.47	5.20	4.57	5.27	5.12
Leverage Ratio	14.06	14.61	12.50	11.47	13.12	14.37	13.64	12.34	12.05	10.76
Compound Leverage Factor	14.06	14.61	12.50	11.47	6.50	14.37	13.64	12.34	12.05	10.76
Debt to Total Capital	57.90%	60.36%	61.06%	49.97%	62.15%	77.14%	82.97%	80.48%	83.38%	84.69%
Short-Term Debt to Total Capital	4.92%	9.54%	7.27%	0.00%	5.50%	8.77%	12.82%	16.51%	15.82%	9.23%
Long-Term Debt to Total Capital	52.98%	50.82%	53.79%	49.97%	56.65%	68.37%	70.16%	63.97%	67.56%	75.46%
Preferred Equity to Total Capital	7.04%	6.72%	7.04%	6.82%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	35.06%	32.92%	31.90%	43.21%	37.85%	22.86%	17.03%	19.52%	16.62%	15.31%
Debt to EBITDA	9.40	8.96	5.50	3.33	5.48	13.81	19.77	16.53	16.86	17.72
Net Debt to EBITDA	4.34	5.98	3.98	2.34	1.94	12.80	18.38	15.27	15.36	16.20
Long-Term Debt to EBITDA	8.60	7.54	4.84	3.33	5.00	12.24	16.72	13.14	13.66	15.79
Debt to NOPAT	28.58	21.76	11.76	5.56	22.23	28.27	51.20	60.09	60.13	82.87
Net Debt to NOPAT	13.20	14.52	8.51	3.90	7.85	26.20	47.60	55.49	54.79	75.76
Long-Term Debt to NOPAT	26.15	18.32	10.36	5.56	20.26	25.05	43.29	47.76	48.72	73.84
Noncontrolling Interest Sharing Ratio	16.84%	17.50%	15.54%	7.32%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	2,216	-591	2,774	7,831	44,646	16,149	-26,437	11,911	8,767	1,964
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	0.27	-0.08	0.74	3.15	10.91	3.09	-5.67	2.90	1.99	0.42
Operating Cash Flow to Interest Expense	0.55	0.59	1.66	1.63	0.91	0.78	0.89	0.99	1.04	1.09
Operating Cash Flow Less CapEx to Interest Expense	0.55	0.59	1.66	1.63	0.91	0.78	0.89	0.99	1.04	1.09
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.05	0.05	0.04	0.03	0.03	0.03	0.03	0.03
Fixed Asset Turnover	0.96	0.84	0.00	0.00	0.00	0.00	0.00	0.57	0.39	0.27
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	33,023	34,570	33,020	34,079	38,845	82,405	96,833	69,133	80,118	87,774
Invested Capital Turnover	0.24	0.24	0.25	0.23	0.11	0.07	0.07	0.08	0.06	0.06
Increase / (Decrease) in Invested Capital	-1,547	1,550	-1,059	-4,766	-43,560	-14,428	27,700	-10,985	-7,656	-1,067
Enterprise Value (EV)	22,042	26,381	23,638	29,434	20,534	55,219	68,106	62,157	68,227	75,259
Market Capitalization	10,890	10,135	6,724	15,143	12,013	10,129	7,981	10,770	7,360	7,304
Book Value per Share	$38.00	$37.73	$35.28	$42.51	$39.33	$37.93	$32.12	$30.52	$28.24	$27.90
Tangible Book Value per Share	$38.00	$37.73	$35.28	$42.51	$39.33	$37.93	$32.12	$30.52	$28.24	$27.90
Total Capital	33,023	34,570	33,020	34,079	38,845	63,061	77,930	69,133	80,118	87,774
Total Debt	19,120	20,867	20,161	17,029	24,142	48,645	64,662	55,639	66,801	74,335
Total Long-Term Debt	17,495	17,570	17,762	17,029	22,006	43,114	54,675	44,226	54,128	66,234
Net Debt	8,828	13,922	14,590	11,967	8,521	45,090	60,125	51,387	60,867	67,955
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	1.00	2.00	1.00	5.00	1.00	6.00	0.00	-3.00	44	-392
Net Nonoperating Obligations (NNO)	19,120	20,867	20,161	17,029	24,142	67,989	83,565	55,639	66,801	74,335
Total Depreciation and Amortization (D&A)	1,199	1,227	1,327	1,261	1,550	1,555	1,649	1,859	2,382	2,801
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.82	$3.00	$5.06	$8.28	$2.89	$4.36	$2.97	$2.05	$2.15	($2.66)
Adjusted Weighted Average Basic Shares Outstanding	306.91M	303.75M	316.69M	362.58M	374.01M	375.07M	402.67M	434.77M	465.04M	483.07M
Adjusted Diluted Earnings per Share	$1.80	$2.98	$5.03	$8.22	$2.88	$4.34	$2.95	$2.04	$2.15	($2.66)
Adjusted Weighted Average Diluted Shares Outstanding	310.16M	305.14M	318.63M	365.18M	374.01M	375.07M	402.67M	434.77M	465.04M	483.07M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$4.36	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	307.11M	303.96M	300.81M	333.20M	374.01M	375.07M	402.67M	434.77M	465.04M	483.07M
Normalized Net Operating Profit after Tax (NOPAT)	763	1,089	1,715	3,065	1,124	1,721	1,263	926	1,111	897
Normalized NOPAT Margin	9.33%	13.22%	20.35%	37.35%	16.82%	26.92%	21.76%	16.06%	20.43%	18.45%
Pre Tax Income Margin	10.22%	13.40%	27.79%	46.98%	21.15%	30.76%	27.95%	26.14%	29.08%	28.66%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.10	0.14	0.62	1.55	0.70	0.38	0.35	0.37	0.36	0.30
NOPAT to Interest Expense	0.08	0.12	0.45	1.23	0.27	0.33	0.27	0.23	0.25	0.19
EBIT Less CapEx to Interest Expense	0.10	0.14	0.62	1.55	0.70	0.38	0.35	0.37	0.36	0.30
NOPAT Less CapEx to Interest Expense	0.08	0.12	0.45	1.23	0.27	0.33	0.27	0.23	0.25	0.19
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	72.16%	49.95%	28.82%	12.45%	26.64%	15.92%	19.16%	19.81%	10.12%	199.46%
Augmented Payout Ratio	77.84%	53.40%	125.09%	77.61%	36.41%	76.50%	93.51%	100.86%	42.08%	200.70%

This table displays calculated financial ratios and metrics derived from Ally Financial's official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-22.87%	0.24%	6.86%	-3.80%	-5.43%	-5.18%	-2.38%	0.14%	-1.64%	0.09%	1.56%
EBITDA Growth	-84.38%	14.43%	1.67%	-21.17%	-30.07%	-49.74%	-28.36%	-27.26%	-40.51%	-37.18%	-37.31%
EBIT Growth	-255.19%	108.33%	2.19%	-36.23%	-55.93%	-81.12%	-45.32%	-36.44%	-54.14%	-50.50%	-54.02%
NOPAT Growth	-239.02%	-1,092.86%	20.61%	-10.64%	-50.94%	-94.96%	-1.33%	-31.74%	-51.15%	-57.75%	-57.87%
Net Income Growth	-257.34%	-1,176.92%	20.61%	-10.64%	-50.78%	-95.32%	-1.00%	-31.74%	-51.30%	-57.36%	-58.01%
EPS Growth	-321.62%	-800.00%	20.45%	-13.13%	-56.25%	-106.74%	0.00%	-29.29%	-48.39%	-50.83%	-53.44%
Operating Cash Flow Growth	-25.75%	604.07%	-40.24%	-0.82%	-6.35%	-110.49%	3.62%	-13.27%	-12.74%	22.31%	9.65%
Free Cash Flow Firm Growth	-174.49%	191.67%	94.38%	0.12%	1,783.14%	-214.88%	132.92%	183.57%	-52.34%	-75.35%	-132.87%
Invested Capital Growth	10.98%	-4.48%	-5.74%	-8.13%	-13.15%	4.69%	-2.57%	-7.42%	0.18%	-3.11%	12.49%
Revenue Q/Q Growth	-26.34%	-0.52%	5.15%	0.70%	170.40%	6.05%	-5.34%	-1.00%	-4.59%	9.18%	-2.89%
EBITDA Q/Q Growth	-82.66%	-18.83%	-0.73%	11.76%	110.96%	-27.88%	-23.03%	-0.85%	-8.68%	2.80%	-21.85%
EBIT Q/Q Growth	-262.29%	-24.89%	-9.34%	50.29%	103.54%	-63.16%	-43.42%	3.87%	-12.81%	6.71%	-34.23%
NOPAT Q/Q Growth	-43.02%	-138.94%	21.43%	87.26%	103.90%	-95.27%	-10.03%	2.81%	15.11%	-7.33%	-37.76%
Net Income Q/Q Growth	-60.71%	-139.22%	21.43%	87.26%	106.58%	-95.61%	-10.03%	3.13%	14.75%	-7.02%	-37.97%
EPS Q/Q Growth	-51.85%	-150.94%	23.26%	104.76%	180.00%	-106.82%	-11.11%	3.13%	7.87%	1.14%	-37.14%
Operating Cash Flow Q/Q Growth	51.61%	-37.50%	-37.02%	17.45%	7,988.24%	-107.41%	4.53%	10.89%	22.08%	-26.78%	-12.51%
Free Cash Flow Firm Q/Q Growth	-353.32%	-40.96%	-25.68%	-33.17%	412.63%	-225.18%	-61.72%	1,156.86%	-80.93%	135.87%	2.82%
Invested Capital Q/Q Growth	3.07%	-0.84%	1.07%	7.45%	-11.45%	-2.15%	-1.49%	1.57%	6.94%	-8.94%	-6.40%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	5.00%	21.22%	26.01%	27.55%	24.82%	18.59%	27.34%	33.62%	33.57%	35.08%	37.25%
EBIT Margin	-18.43%	8.37%	11.08%	12.85%	8.61%	4.02%	11.59%	19.38%	18.48%	20.22%	20.68%
Profit (Net Income) Margin	-14.60%	-6.69%	16.98%	14.70%	7.91%	0.62%	15.04%	15.82%	15.19%	12.63%	14.83%
Tax Burden Percent	79.23%	-80.00%	153.22%	114.40%	91.81%	15.48%	129.82%	81.64%	82.22%	62.47%	71.70%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	0.00%	179.43%	-53.22%	-14.40%	8.19%	83.33%	-29.82%	18.36%	17.53%	37.53%	28.06%
Return on Invested Capital (ROIC)	-3.08%	-1.61%	4.03%	3.43%	1.94%	0.16%	3.51%	3.56%	3.63%	3.17%	3.66%
ROIC Less NNEP Spread (ROIC-NNEP)	-3.22%	-1.61%	4.03%	3.43%	1.94%	0.16%	3.51%	3.56%	3.62%	3.17%	3.66%
Return on Net Nonoperating Assets (RNNOA)	-4.25%	-2.34%	6.02%	5.19%	2.80%	0.24%	6.43%	6.10%	5.25%	3.95%	4.77%
Return on Equity (ROE)	-7.33%	-3.95%	10.05%	8.61%	4.74%	0.41%	9.94%	9.66%	8.88%	7.12%	8.43%
Cash Return on Invested Capital (CROIC)	-9.48%	6.56%	8.49%	10.87%	16.68%	-1.75%	6.02%	11.00%	3.73%	8.27%	-5.64%
Operating Return on Assets (OROA)	-0.74%	0.35%	0.47%	0.53%	0.36%	0.17%	0.50%	0.85%	0.82%	0.91%	0.95%
Return on Assets (ROA)	-0.58%	-0.28%	0.71%	0.61%	0.33%	0.03%	0.65%	0.69%	0.67%	0.57%	0.68%
Return on Common Equity (ROCE)	-6.11%	-3.28%	8.36%	7.15%	3.92%	0.34%	8.11%	8.03%	7.44%	6.01%	7.11%
Return on Equity Simple (ROE_SIMPLE)	2.11%	0.00%	6.00%	5.94%	6.28%	0.00%	9.53%	9.05%	10.30%	0.00%	-49.08%
Net Operating Profit after Tax (NOPAT)	-199	-139	357	294	157	14	296	329	320	278	300
NOPAT Margin	-12.90%	-6.64%	16.98%	14.70%	7.91%	0.67%	15.04%	15.82%	15.24%	12.63%	14.88%
Net Nonoperating Expense Percent (NNEP)	0.14%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%
SG&A Expenses to Revenue	32.77%	21.32%	20.68%	22.10%	26.13%	21.71%	23.53%	21.55%	25.57%	22.85%	23.16%
Operating Expenses to Revenue	106.04%	65.01%	58.25%	64.30%	65.86%	67.85%	62.60%	60.08%	60.29%	57.52%	57.59%
Earnings before Interest and Taxes (EBIT)	-284	175	233	257	171	84	228	403	388	445	417
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	77	444	547	551	493	388	538	699	705	772	751
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.93	0.94	0.87	1.04	1.07	0.89	0.73	0.69	0.66	0.64	0.80
Price to Tangible Book Value (P/TBV)	0.93	0.94	0.87	1.04	1.07	0.89	0.73	0.69	0.66	0.64	0.80
Price to Revenue (P/Rev)	1.44	1.33	1.32	1.49	1.50	1.23	0.92	0.93	0.87	0.80	0.96
Price to Earnings (P/E)	58.41	19.52	13.89	16.80	16.24	11.97	6.93	6.97	5.75	4.19	1.60
Dividend Yield	3.32%	3.36%	3.40%	3.05%	2.98%	3.57%	4.70%	4.65%	4.95%	5.33%	4.40%
Earnings Yield	1.71%	5.12%	7.20%	5.95%	6.16%	8.36%	14.43%	14.36%	17.39%	23.85%	62.45%
Enterprise Value to Invested Capital (EV/IC)	0.67	0.67	0.69	0.79	0.76	0.76	0.68	0.63	0.62	0.72	0.81
Enterprise Value to Revenue (EV/Rev)	2.95	2.69	2.82	3.25	2.88	3.20	2.88	2.67	2.59	2.80	3.47
Enterprise Value to EBITDA (EV/EBITDA)	14.09	10.83	11.64	13.22	11.02	11.32	8.85	7.67	6.83	6.44	5.31
Enterprise Value to EBIT (EV/EBIT)	61.83	26.37	31.77	36.16	26.94	23.92	16.41	13.58	11.56	10.09	7.00
Enterprise Value to NOPAT (EV/NOPAT)	75.80	32.95	26.03	31.60	27.16	27.51	19.64	18.30	15.78	13.78	13.94
Enterprise Value to Operating Cash Flow (EV/OCF)	5.43	4.87	5.92	5.71	5.10	5.79	4.10	3.87	3.61	3.78	4.84
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	9.95	7.91	6.96	4.24	0.00	11.15	5.47	16.56	8.52	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.39	1.38	1.26	1.38	1.25	1.52	1.75	1.65	1.64	1.57	1.92
Long-Term Debt to Equity	1.16	1.26	1.14	1.15	1.25	1.28	1.57	1.49	1.53	1.38	1.34
Financial Leverage	1.32	1.45	1.49	1.51	1.44	1.54	1.83	1.71	1.45	1.24	1.30
Leverage Ratio	13.85	14.06	14.11	14.23	14.39	14.61	15.22	13.92	13.21	12.50	12.38
Compound Leverage Factor	13.85	14.06	14.11	14.23	14.39	14.61	15.22	13.92	13.21	12.50	12.38
Debt to Total Capital	58.19%	57.90%	55.78%	57.97%	55.47%	60.36%	63.70%	62.27%	62.12%	61.06%	65.71%
Short-Term Debt to Total Capital	9.81%	4.92%	5.32%	9.47%	0.00%	9.54%	6.82%	6.12%	4.12%	7.27%	19.86%
Long-Term Debt to Total Capital	48.38%	52.98%	50.47%	48.49%	55.47%	50.82%	56.88%	56.15%	58.00%	53.79%	45.86%
Preferred Equity to Total Capital	6.83%	7.04%	6.98%	7.05%	7.58%	6.72%	6.58%	6.48%	6.58%	7.04%	6.41%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	34.99%	35.06%	37.24%	34.98%	36.95%	32.92%	29.72%	31.25%	31.30%	31.90%	27.88%
Debt to EBITDA	12.23	9.40	9.39	9.70	8.03	8.96	8.29	7.63	6.88	5.50	4.33
Net Debt to EBITDA	5.80	4.34	5.03	5.96	4.18	5.98	5.16	4.22	3.81	3.98	3.42
Long-Term Debt to EBITDA	10.17	8.60	8.49	8.11	8.03	7.54	7.40	6.88	6.42	4.84	3.02
Debt to NOPAT	65.79	28.58	20.99	23.18	19.80	21.76	18.40	18.20	15.89	11.76	11.37
Net Debt to NOPAT	31.21	13.20	11.26	14.24	10.31	14.52	11.44	10.08	8.81	8.51	8.99
Long-Term Debt to NOPAT	54.70	26.15	18.99	19.39	19.80	18.32	16.43	16.41	14.84	10.36	7.94
Noncontrolling Interest Sharing Ratio	16.67%	16.84%	16.87%	16.97%	17.19%	17.50%	18.40%	16.89%	16.14%	15.54%	15.64%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-3,567	1,408	2,385	3,209	4,802	-1,536	1,227	3,205	255	1,337	-3,727
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-1.86	0.72	1.14	1.57	2.26	-0.73	0.60	1.70	0.15	0.94	-3.58
Operating Cash Flow to Interest Expense	0.49	0.32	0.48	0.77	0.63	-0.06	0.81	0.84	0.85	0.82	1.54
Operating Cash Flow Less CapEx to Interest Expense	0.49	0.32	0.48	0.77	0.63	-0.06	0.81	0.84	0.85	0.82	1.54
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05
Fixed Asset Turnover	0.93	0.96	0.91	0.88	0.85	0.84	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	34,036	33,023	33,303	32,952	30,668	34,570	35,331	35,867	35,313	33,020	36,262
Invested Capital Turnover	0.24	0.24	0.24	0.23	0.25	0.24	0.23	0.23	0.24	0.25	0.25
Increase / (Decrease) in Invested Capital	3,368	-1,547	-2,028	-2,915	-4,645	1,550	-931	-2,876	65	-1,059	4,027
Enterprise Value (EV)	22,817	22,042	23,036	26,035	23,331	26,381	24,019	22,454	21,773	23,638	29,214
Market Capitalization	11,098	10,890	10,750	11,979	12,149	10,135	7,704	7,767	7,294	6,724	8,066
Book Value per Share	$38.77	$38.00	$40.70	$37.92	$37.04	$37.73	$34.82	$37.26	$36.75	$35.28	$32.77
Tangible Book Value per Share	$38.77	$38.00	$40.70	$37.92	$37.04	$37.73	$34.82	$37.26	$36.75	$35.28	$32.77
Total Capital	34,036	33,023	33,303	32,952	30,668	34,570	35,331	35,867	35,313	33,020	36,262
Total Debt	19,804	19,120	18,578	19,101	17,011	20,867	22,506	22,335	21,935	20,161	23,828
Total Long-Term Debt	16,465	17,495	16,807	15,979	17,011	17,570	20,096	20,141	20,480	17,762	16,628
Net Debt	9,395	8,828	9,962	11,732	8,858	13,922	13,991	12,363	12,155	14,590	18,824
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	26	1.00	0.00	0.00	0.00	1.00	0.00	0.00	1.00	0.00	1.00
Net Nonoperating Obligations (NNO)	19,804	19,120	18,578	19,101	17,011	20,867	22,506	22,335	21,935	20,161	23,828
Total Depreciation and Amortization (D&A)	361	269	314	294	322	304	310	296	317	327	334
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.82)	($0.54)	$1.07	$0.87	$0.42	($0.04)	$0.88	$0.99	$0.96	$0.90	$0.88
Adjusted Weighted Average Basic Shares Outstanding	309.01M	306.91M	307.31M	306.77M	306.00M	303.75M	304.13M	303.68M	302.66M	316.69M	308.22M
Adjusted Diluted Earnings per Share	($0.82)	($0.54)	$1.06	$0.86	$0.42	($0.06)	$0.88	$0.99	$0.96	$0.89	$0.88
Adjusted Weighted Average Diluted Shares Outstanding	309.01M	310.16M	311.04M	309.89M	308.42M	305.14M	305.69M	304.65M	303.45M	318.63M	310.09M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	307.17M	307.11M	304.71M	304.67M	303.98M	303.96M	301.63M	301.62M	300.82M	300.81M	298.65M
Normalized Net Operating Profit after Tax (NOPAT)	15	123	163	180	157	59	160	329	320	278	300
Normalized NOPAT Margin	0.95%	5.86%	7.76%	9.00%	7.91%	2.82%	8.11%	15.82%	15.24%	12.63%	14.88%
Pre Tax Income Margin	-18.43%	8.37%	11.08%	12.85%	8.61%	4.02%	11.59%	19.38%	18.48%	20.22%	20.68%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-0.15	0.09	0.11	0.13	0.08	0.04	0.11	0.21	0.23	0.31	0.40
NOPAT to Interest Expense	-0.10	-0.07	0.17	0.14	0.07	0.01	0.14	0.17	0.19	0.20	0.29
EBIT Less CapEx to Interest Expense	-0.15	0.09	0.11	0.13	0.08	0.04	0.11	0.21	0.23	0.31	0.40
NOPAT Less CapEx to Interest Expense	-0.10	-0.07	0.17	0.14	0.07	0.01	0.14	0.17	0.19	0.20	0.29
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	161.67%	72.16%	54.41%	58.20%	55.83%	49.95%	38.71%	39.02%	35.27%	28.82%	-8.13%
Augmented Payout Ratio	176.00%	77.84%	58.37%	62.33%	59.91%	53.40%	45.25%	79.43%	114.59%	125.09%	-44.06%

Frequently Asked Questions About Ally Financial's Financials

When does Ally Financial's fiscal year end?

According to the most recent income statement we have on file, Ally Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Ally Financial's net income changed over the last 9 years?

Below is a breakdown of Ally Financial's net income over the past 5 years:

2020: $1.09 billion
2021: $3.06 billion
2022: $1.71 billion
2023: $957 million
2024: $668 million

See Ally Financial's forecast for analyst expectations on what’s next for the company.

How has Ally Financial revenue changed over the last 9 years?

Over the last 9 years, Ally Financial's total revenue changed from $4.86 billion in 2015 to $8.18 billion in 2024, a change of 68.3%.

How much debt does Ally Financial have?

Ally Financial's total liabilities were at $177.93 billion at the end of 2024, a 2.6% decrease from 2023, and a 22.6% increase since 2015.

How much cash does Ally Financial have?

In the past 9 years, Ally Financial's cash and equivalents has ranged from $502 million in 2021 to $2.15 billion in 2015, and is currently $522 million as of their latest financial filing in 2024.

How has Ally Financial's book value per share changed over the last 9 years?

Over the last 9 years, Ally Financial's book value per share changed from 27.90 in 2015 to 38.00 in 2024, a change of 36.2%.

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This page (NYSE:ALLY) was last updated on 5/28/2025 by MarketBeat.com Staff

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Ally Financial (ALLY) Financials

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Ally Financial (ALLY) Financials

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