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Ally Financial (ALLY) Financials

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$32.57 -0.45 (-1.36%)
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Annual Income Statements for Ally Financial

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

Quarterly Income Statements for Ally Financial

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 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 272 251 291 301 269 -14 129 266 330 -167
Consolidated Net Income / (Loss)		 299 278 319 329 296 13 157 294 357 -140
Net Income / (Loss) Continuing Operations		 300 278 320 329 296 14 157 294 357 -139
Total Pre-Tax Income 		417 445 388 403 228 84 171 257 233 175
Total Revenue		 2,016 2,201 2,100 2,079 1,968 2,087 1,986 2,000 2,103 2,092
Net Interest Income / (Expense)		 1,719 1,674 1,602 1,573 1,533 1,513 1,456 1,495 1,488 1,575
Total Interest Income		 2,761 3,099 3,286 3,454 3,595 3,623 3,582 3,538 3,574 3,528
Loans and Leases Interest Income		 2,527 2,836 2,992 3,120 3,229 3,263 3,219 3,185 3,210 3,185
Investment Securities Interest Income		 218 232 238 247 267 270 266 265 262 244
Deposits and Money Market Investments Interest Income		 16 31 56 87 99 90 97 88 102 99
Total Interest Expense		 1,042 1,425 1,684 1,881 2,062 2,110 2,126 2,043 2,086 1,953
Deposits Interest Expense		 567 946 1,217 1,418 1,563 1,621 1,651 1,594 1,616 1,527
Short-Term Borrowings Interest Expense		 43 40 12 11 13 37 23 27 13 3.00
Long-Term Debt Interest Expense		 194 200 227 252 274 248 248 244 256 269
Capitalized Lease Obligations Interest Expense		 238 240 226 200 212 202 204 177 201 154
Total Non-Interest Income		 297 527 498 506 435 574 530 505 615 517
Service Charges on Deposit Accounts		 289 302 306 310 320 335 345 341 359 368
Other Service Charges		 52 148 114 165 152 151 150 165 176 167
Net Realized & Unrealized Capital Gains on Investments		 -44 77 78 31 -37 88 35 -1.00 80 -18
Provision for Credit Losses		 438 490 446 427 508 587 507 457 645 557
Total Non-Interest Expense		 1,161 1,266 1,266 1,249 1,232 1,416 1,308 1,286 1,225 1,360
Salaries and Employee Benefits		 467 503 537 448 463 453 519 442 435 446
Property & Liability Insurance Claims		 70 63 88 134 107 93 112 181 135 116
Other Operating Expenses		 624 700 641 667 662 721 677 663 655 680
Income Tax Expense		 117 167 68 74 -68 70 14 -37 -124 314
Net Income / (Loss) Discontinued Operations		 -2.00 1.00 -2.00 0.00 0.00 - 0.00 0.00 0.00 -1.00
Basic Earnings per Share		 $0.88 $0.90 $0.96 $0.99 $0.88 ($0.04) $0.42 $0.87 $1.07 ($0.54)
Weighted Average Basic Shares Outstanding		 308.22M 316.69M 302.66M 303.68M 304.13M 303.75M 306.00M 306.77M 307.31M 306.91M
Diluted Earnings per Share		 $0.88 $0.89 $0.96 $0.99 $0.88 ($0.06) $0.42 $0.86 $1.06 ($0.54)
Weighted Average Diluted Shares Outstanding		 310.09M 318.63M 303.45M 304.65M 305.69M 305.14M 308.42M 309.89M 311.04M 310.16M
Weighted Average Basic & Diluted Shares Outstanding		 298.65M 300.81M 300.82M 301.62M 301.63M 303.96M 303.98M 304.67M 304.71M 307.11M
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

Annual Cash Flow Statements for Ally Financial

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

Quarterly Cash Flow Statements for Ally Financial

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

Annual Balance Sheets for Ally Financial

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

Quarterly Balance Sheets for Ally Financial

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

Annual Metrics and Ratios for Ally Financial

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

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

Quarterly Metrics and Ratios for Ally Financial

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

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

Frequently Asked Questions About Ally Financial's Financials

When does Ally Financial's financial year end?

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

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

Ally Financial's net income were at $668 million at the end of 2024, a 30.2% decrease from 2023, and a 48.2% decrease since 2015. 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 5/6/2025 by MarketBeat.com Staff
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