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.
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 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q1 2026 |
| Net Income / (Loss) Attributable to Common Shareholders |
|
269 |
-14 |
115 |
191 |
171 |
-167 |
-253 |
324 |
371 |
300 |
291 |
| Consolidated Net Income / (Loss) |
|
296 |
13 |
143 |
219 |
198 |
-140 |
-225 |
352 |
398 |
327 |
319 |
| Net Income / (Loss) Continuing Operations |
|
296 |
14 |
143 |
219 |
198 |
-139 |
-225 |
352 |
398 |
327 |
319 |
| Total Pre-Tax Income |
|
228 |
84 |
183 |
279 |
265 |
175 |
-284 |
436 |
513 |
386 |
400 |
| Total Revenue |
|
1,968 |
2,087 |
1,998 |
2,022 |
2,135 |
2,092 |
1,541 |
2,082 |
2,168 |
2,123 |
2,102 |
| Net Interest Income / (Expense) |
|
1,533 |
1,513 |
1,468 |
1,517 |
1,520 |
1,575 |
1,478 |
1,516 |
1,584 |
1,598 |
1,589 |
| Total Interest Income |
|
3,595 |
3,623 |
3,582 |
3,538 |
3,574 |
3,528 |
3,393 |
3,325 |
3,387 |
3,416 |
3,374 |
| Loans and Leases Interest Income |
|
3,229 |
3,263 |
3,219 |
3,185 |
3,210 |
3,185 |
3,065 |
2,982 |
3,045 |
3,084 |
3,059 |
| Investment Securities Interest Income |
|
267 |
270 |
266 |
265 |
262 |
244 |
230 |
248 |
250 |
244 |
234 |
| Deposits and Money Market Investments Interest Income |
|
99 |
90 |
97 |
88 |
102 |
99 |
98 |
95 |
92 |
88 |
81 |
| Total Interest Expense |
|
2,062 |
2,110 |
2,114 |
2,021 |
2,054 |
1,953 |
1,915 |
1,809 |
1,803 |
1,818 |
1,785 |
| Deposits Interest Expense |
|
1,563 |
1,621 |
1,651 |
1,594 |
1,616 |
1,527 |
1,403 |
1,329 |
1,302 |
1,268 |
1,233 |
| Short-Term Borrowings Interest Expense |
|
13 |
37 |
23 |
27 |
13 |
3.00 |
1.00 |
5.00 |
11 |
18 |
19 |
| Long-Term Debt Interest Expense |
|
274 |
248 |
248 |
244 |
256 |
269 |
271 |
258 |
265 |
274 |
265 |
| Capitalized Lease Obligations Interest Expense |
|
212 |
202 |
192 |
155 |
169 |
154 |
240 |
216 |
225 |
256 |
268 |
| Total Non-Interest Income |
|
435 |
574 |
530 |
505 |
615 |
517 |
63 |
566 |
584 |
525 |
513 |
| Service Charges on Deposit Accounts |
|
320 |
335 |
345 |
341 |
359 |
368 |
364 |
359 |
361 |
366 |
360 |
| Other Service Charges |
|
152 |
151 |
150 |
165 |
176 |
167 |
197 |
150 |
170 |
167 |
177 |
| Net Realized & Unrealized Capital Gains on Investments |
|
-37 |
88 |
35 |
-1.00 |
80 |
-18 |
-498 |
57 |
53 |
-8.00 |
-24 |
| Provision for Credit Losses |
|
508 |
587 |
507 |
457 |
645 |
557 |
191 |
384 |
415 |
487 |
467 |
| Total Non-Interest Expense |
|
1,232 |
1,416 |
1,308 |
1,286 |
1,225 |
1,360 |
1,634 |
1,262 |
1,240 |
1,250 |
1,235 |
| Salaries and Employee Benefits |
|
463 |
453 |
519 |
442 |
435 |
446 |
505 |
430 |
447 |
475 |
491 |
| Property & Liability Insurance Claims |
|
107 |
93 |
112 |
181 |
135 |
116 |
161 |
203 |
141 |
111 |
121 |
| Other Operating Expenses |
|
662 |
721 |
677 |
663 |
655 |
680 |
663 |
629 |
652 |
664 |
623 |
| Impairment Charge |
|
- |
- |
0.00 |
0.00 |
0.00 |
- |
305 |
0.00 |
0.00 |
- |
0.00 |
| Income Tax Expense |
|
-68 |
70 |
40 |
60 |
67 |
314 |
-59 |
84 |
115 |
59 |
81 |
| Basic Earnings per Share |
|
$0.88 |
($0.04) |
$0.38 |
$0.63 |
$0.55 |
($0.54) |
($0.82) |
$1.05 |
$1.19 |
$0.97 |
$0.94 |
| Weighted Average Basic Shares Outstanding |
|
304.13M |
303.75M |
306.00M |
306.77M |
307.31M |
306.91M |
309.01M |
309.90M |
310.34M |
310.02M |
310.99M |
| Diluted Earnings per Share |
|
$0.88 |
($0.06) |
$0.37 |
$0.62 |
$0.55 |
($0.54) |
($0.82) |
$1.04 |
$1.18 |
$0.97 |
$0.93 |
| Weighted Average Diluted Shares Outstanding |
|
305.69M |
305.14M |
308.42M |
309.89M |
311.04M |
310.16M |
309.01M |
312.43M |
313.82M |
313.04M |
313.22M |
| Weighted Average Basic & Diluted Shares Outstanding |
|
301.63M |
303.96M |
303.98M |
304.67M |
304.71M |
307.11M |
307.17M |
307.81M |
308.05M |
309.09M |
306.52M |
| 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 |
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 |
2025 |
| Net Change in Cash & Equivalents |
|
548 |
-832 |
-2,612 |
357 |
-1,246 |
12,194 |
-10,904 |
552 |
1,217 |
3,941 |
429 |
| 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 |
3,729 |
| 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 |
3,729 |
| Net Income / (Loss) Continuing Operations |
|
1,289 |
1,067 |
929 |
1,263 |
1,715 |
1,085 |
3,060 |
1,714 |
957 |
668 |
852 |
| Consolidated Net Income / (Loss) |
|
1,289 |
1,067 |
929 |
1,263 |
1,715 |
1,085 |
3,060 |
1,714 |
957 |
668 |
852 |
| Provision For Loan Losses |
|
707 |
917 |
1,148 |
918 |
998 |
1,439 |
241 |
1,399 |
1,968 |
2,166 |
1,477 |
| Depreciation Expense |
|
2,801 |
2,382 |
1,859 |
1,649 |
1,555 |
1,550 |
1,261 |
1,327 |
1,227 |
1,199 |
1,397 |
| Non-Cash Adjustments to Reconcile Net Income |
|
-407 |
-97 |
-274 |
-42 |
-257 |
-303 |
-384 |
-65 |
394 |
435 |
802 |
| Changes in Operating Assets and Liabilities, net |
|
721 |
298 |
417 |
362 |
39 |
-32 |
-136 |
1,872 |
11 |
60 |
-799 |
| 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 |
-5,264 |
| 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 |
-5,264 |
| Purchase of Investment Securities |
|
-30,780 |
-33,446 |
-23,046 |
-22,509 |
-25,052 |
-30,090 |
-33,317 |
-18,510 |
-13,468 |
-9,157 |
-17,727 |
| Divestitures |
|
1,049 |
- |
- |
- |
- |
- |
- |
0.00 |
0.00 |
1,956 |
2,412 |
| Sale and/or Maturity of Investments |
|
14,329 |
18,700 |
8,939 |
5,092 |
18,639 |
35,419 |
18,725 |
-1,776 |
3,131 |
8,384 |
7,600 |
| Other Investing Activities, net |
|
5,399 |
5,676 |
5,380 |
2,908 |
2,815 |
3,098 |
3,494 |
3,023 |
3,155 |
3,808 |
2,451 |
| Net Cash From Financing Activities |
|
5,444 |
3,670 |
2,033 |
10,721 |
-1,530 |
25 |
-3,848 |
11,575 |
3,839 |
-5,566 |
1,956 |
| 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 |
1,956 |
| Net Change in Deposits |
|
8,247 |
12,508 |
14,172 |
12,867 |
14,547 |
16,262 |
4,511 |
10,703 |
2,342 |
-3,227 |
-58 |
| Issuance of Debt |
|
31,693 |
18,719 |
17,969 |
18,401 |
6,915 |
265 |
2,997 |
7,125 |
5,705 |
4,337 |
4,673 |
| Repayment of Debt |
|
-31,350 |
-26,412 |
-29,171 |
-19,366 |
-21,680 |
-16,107 |
-8,204 |
-4,065 |
-3,697 |
-6,156 |
-2,111 |
| Repurchase of Common Equity |
|
-16 |
-341 |
-753 |
-939 |
-1,039 |
-106 |
-1,994 |
-1,650 |
-33 |
-38 |
-59 |
| Payment of Dividends |
|
-2,571 |
-108 |
-184 |
-242 |
-273 |
-289 |
-381 |
-494 |
-478 |
-482 |
-489 |
| Effect of Exchange Rate Changes |
|
-4.00 |
1.00 |
3.00 |
-5.00 |
3.00 |
3.00 |
0.00 |
-7.00 |
3.00 |
-12 |
8.00 |
| Cash Interest Paid |
|
2,632 |
2,647 |
2,829 |
3,380 |
4,034 |
3,366 |
2,033 |
2,583 |
6,357 |
7,354 |
6,477 |
| Cash Income Taxes Paid |
|
96 |
19 |
51 |
36 |
64 |
53 |
1,292 |
-425 |
-27 |
135 |
359 |
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 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q1 2026 |
| Net Change in Cash & Equivalents |
|
-1,520 |
-1,679 |
1,201 |
-516 |
1,180 |
2,076 |
37 |
91 |
96 |
205 |
-580 |
| Net Cash From Operating Activities |
|
1,660 |
-123 |
1,266 |
1,575 |
992 |
620 |
940 |
947 |
1,202 |
640 |
1,371 |
| Net Cash From Continuing Operating Activities |
|
1,660 |
-123 |
1,266 |
1,575 |
992 |
620 |
940 |
947 |
1,202 |
640 |
1,371 |
| Net Income / (Loss) Continuing Operations |
|
296 |
13 |
143 |
294 |
357 |
-140 |
-225 |
352 |
398 |
327 |
319 |
| Consolidated Net Income / (Loss) |
|
296 |
13 |
143 |
294 |
357 |
-140 |
-225 |
352 |
398 |
327 |
319 |
| Provision For Loan Losses |
|
508 |
587 |
507 |
457 |
645 |
557 |
191 |
384 |
415 |
487 |
467 |
| Depreciation Expense |
|
310 |
304 |
310 |
294 |
314 |
269 |
361 |
329 |
338 |
369 |
378 |
| Non-Cash Adjustments to Reconcile Net Income |
|
74 |
96 |
-88 |
291 |
132 |
100 |
856 |
22 |
-72 |
-4.00 |
-17 |
| Changes in Operating Assets and Liabilities, net |
|
472 |
-1,123 |
394 |
239 |
-456 |
-166 |
-243 |
-140 |
123 |
-539 |
224 |
| Net Cash From Investing Activities |
|
-1,735 |
-2,967 |
3,576 |
-1,107 |
1,060 |
1,537 |
-1,341 |
2,909 |
-2,381 |
-4,451 |
-3,043 |
| Net Cash From Continuing Investing Activities |
|
-1,735 |
-2,967 |
3,576 |
-1,107 |
1,060 |
1,537 |
-1,341 |
2,909 |
-2,381 |
-4,451 |
-3,043 |
| Purchase of Investment Securities |
|
-2,267 |
-1,438 |
-2,093 |
-1,995 |
-1,229 |
-777 |
-5,369 |
-4,061 |
-2,643 |
-5,654 |
-4,878 |
| Sale and/or Maturity of Investments |
|
-272 |
-2,373 |
2,756 |
-198 |
1,391 |
1,288 |
3,345 |
3,788 |
-322 |
789 |
1,335 |
| Other Investing Activities, net |
|
804 |
844 |
964 |
1,079 |
898 |
1,026 |
683 |
770 |
584 |
414 |
500 |
| Net Cash From Financing Activities |
|
-1,442 |
1,408 |
-3,638 |
-982 |
-874 |
-72 |
438 |
-3,775 |
1,280 |
4,013 |
1,095 |
| Net Cash From Continuing Financing Activities |
|
-1,442 |
1,408 |
-3,638 |
-982 |
-874 |
-72 |
438 |
-3,775 |
1,280 |
4,013 |
1,095 |
| Net Change in Deposits |
|
-1,478 |
1,817 |
389 |
-2,934 |
-212 |
-470 |
-64 |
-3,562 |
527 |
3,041 |
1,684 |
| Issuance of Debt |
|
842 |
1,710 |
123 |
3,548 |
2,492 |
1,471 |
24 |
3,160 |
-613 |
2,102 |
1,081 |
| Repayment of Debt |
|
-689 |
-1,997 |
-3,996 |
-1,476 |
-3,034 |
-947 |
640 |
-3,252 |
1,487 |
-986 |
-1,393 |
| Repurchase of Common Equity |
|
- |
-4.00 |
-29 |
-1.00 |
-1.00 |
-7.00 |
-34 |
-1.00 |
-1.00 |
-23 |
-147 |
| Payment of Dividends |
|
-117 |
-118 |
-125 |
-119 |
-119 |
-119 |
-128 |
-120 |
-120 |
-121 |
-130 |
| Effect of Exchange Rate Changes |
|
-3.00 |
3.00 |
-3.00 |
-2.00 |
2.00 |
-9.00 |
0.00 |
10 |
-5.00 |
3.00 |
-3.00 |
| Cash Interest Paid |
|
1,347 |
2,462 |
1,641 |
1,814 |
1,588 |
2,311 |
1,587 |
1,615 |
1,370 |
1,905 |
1,370 |
| Cash Income Taxes Paid |
|
29 |
15 |
7.00 |
38 |
49 |
41 |
13 |
95 |
53 |
198 |
12 |
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 |
2025 |
| Total Assets |
|
158,581 |
163,728 |
167,148 |
197,772 |
199,988 |
182,165 |
182,114 |
191,826 |
196,329 |
191,836 |
196,002 |
| Cash and Due from Banks |
|
2,148 |
1,547 |
844 |
810 |
619 |
724 |
502 |
542 |
638 |
522 |
405 |
| 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 |
9,625 |
| Trading Account Securities |
|
17,262 |
19,765 |
24,310 |
28,752 |
32,626 |
32,560 |
35,306 |
31,938 |
30,305 |
27,787 |
28,769 |
| 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 |
133,964 |
| Loans and Leases |
|
- |
- |
- |
- |
- |
118,534 |
- |
135,748 |
139,439 |
136,030 |
137,454 |
| Allowance for Loan and Lease Losses |
|
- |
- |
- |
- |
1,416 |
- |
- |
3,711 |
3,587 |
3,714 |
3,490 |
| Premises and Equipment, Net |
|
16,271 |
11,470 |
8,741 |
- |
- |
- |
- |
10,444 |
9,085 |
7,991 |
8,772 |
| Unearned Premiums Asset |
|
1,801 |
1,905 |
2,047 |
2,326 |
2,558 |
2,679 |
2,724 |
2,698 |
2,749 |
2,790 |
2,844 |
| Other Assets |
|
116,867 |
124,654 |
127,798 |
162,157 |
162,665 |
12,771 |
139,022 |
9,138 |
11,393 |
10,660 |
11,623 |
| Total Liabilities & Shareholders' Equity |
|
158,581 |
163,728 |
167,148 |
178,869 |
180,644 |
182,165 |
182,114 |
191,826 |
196,329 |
191,836 |
196,002 |
| Total Liabilities |
|
145,142 |
150,411 |
153,654 |
165,601 |
166,228 |
167,462 |
165,064 |
178,967 |
182,626 |
177,933 |
180,504 |
| Non-Interest Bearing Deposits |
|
89 |
84 |
108 |
142 |
119 |
128 |
150 |
185 |
139 |
131 |
125 |
| Interest Bearing Deposits |
|
66,389 |
78,938 |
93,148 |
106,036 |
120,633 |
136,908 |
141,408 |
152,112 |
154,527 |
151,443 |
151,524 |
| Short-Term Debt |
|
8,101 |
12,673 |
11,413 |
9,987 |
5,531 |
2,136 |
0.00 |
2,399 |
3,297 |
1,625 |
4,695 |
| Accrued Interest Payable |
|
350 |
351 |
375 |
523 |
641 |
412 |
210 |
408 |
858 |
890 |
729 |
| Long-Term Debt |
|
66,234 |
54,128 |
44,226 |
54,675 |
43,114 |
22,006 |
17,029 |
17,762 |
17,570 |
17,495 |
17,070 |
| Unearned Premiums Liability |
|
2,434 |
2,500 |
2,604 |
3,044 |
3,305 |
3,438 |
3,514 |
3,453 |
3,492 |
3,535 |
3,656 |
| Other Long-Term Liabilities |
|
- |
- |
- |
-8,806 |
-7,115 |
2,434 |
2,753 |
2,648 |
2,743 |
2,814 |
2,705 |
| Commitments & Contingencies |
|
- |
- |
- |
- |
- |
0.00 |
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 |
15,498 |
| Total Preferred & Common Equity |
|
13,439 |
13,317 |
13,494 |
13,268 |
14,416 |
14,703 |
17,050 |
12,859 |
13,703 |
13,903 |
15,498 |
| Preferred Stock |
|
- |
- |
- |
- |
- |
0.00 |
2,324 |
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 |
13,174 |
| Common Stock |
|
21,100 |
21,166 |
21,245 |
21,345 |
21,438 |
21,544 |
21,671 |
21,816 |
21,975 |
22,142 |
22,295 |
| Retained Earnings |
|
-8,110 |
-7,151 |
-6,406 |
-5,489 |
-4,057 |
-4,278 |
-1,599 |
-384 |
91 |
270 |
633 |
| Treasury Stock |
|
680 |
-357 |
-1,110 |
-2,049 |
-3,088 |
-3,194 |
-5,188 |
-6,838 |
-6,871 |
-6,909 |
-6,968 |
| Accumulated Other Comprehensive Income / (Loss) |
|
-231 |
-341 |
-235 |
-539 |
123 |
631 |
-158 |
-4,059 |
-3,816 |
-3,924 |
-2,786 |
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 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q1 2026 |
| Total Assets |
|
188,640 |
196,165 |
197,241 |
195,704 |
192,877 |
192,531 |
192,981 |
193,331 |
189,473 |
191,711 |
197,269 |
| Cash and Due from Banks |
|
638 |
554 |
536 |
603 |
589 |
536 |
544 |
543 |
530 |
429 |
380 |
| Interest Bearing Deposits at Other Banks |
|
4,366 |
9,226 |
9,436 |
7,912 |
7,564 |
6,833 |
8,072 |
9,866 |
10,062 |
9,817 |
9,138 |
| Trading Account Securities |
|
32,152 |
31,021 |
29,991 |
28,821 |
29,485 |
28,918 |
29,529 |
28,165 |
28,081 |
28,161 |
28,575 |
| Loans and Leases, Net of Allowance |
|
128,845 |
0.00 |
134,668 |
136,423 |
134,410 |
135,211 |
133,801 |
130,087 |
129,813 |
131,107 |
136,350 |
| Loans and Leases |
|
132,456 |
- |
138,449 |
140,260 |
137,960 |
138,783 |
137,501 |
133,485 |
133,229 |
134,567 |
139,890 |
| Allowance for Loan and Lease Losses |
|
3,611 |
- |
- |
3,837 |
3,550 |
3,572 |
3,700 |
3,398 |
3,416 |
3,460 |
3,540 |
| Premises and Equipment, Net |
|
- |
10,236 |
9,930 |
9,569 |
8,731 |
8,374 |
8,318 |
7,879 |
7,992 |
8,599 |
8,699 |
| Unearned Premiums Asset |
|
2,719 |
2,713 |
2,768 |
2,775 |
2,750 |
2,806 |
2,810 |
2,806 |
2,893 |
2,903 |
2,817 |
| Other Assets |
|
19,920 |
142,415 |
6,131 |
9,601 |
9,348 |
9,853 |
9,907 |
13,985 |
10,102 |
10,695 |
11,310 |
| Total Liabilities & Shareholders' Equity |
|
188,640 |
196,165 |
197,241 |
195,704 |
192,877 |
192,531 |
192,981 |
193,331 |
189,473 |
191,711 |
197,269 |
| Total Liabilities |
|
176,206 |
182,787 |
183,709 |
182,879 |
179,220 |
178,680 |
178,256 |
179,099 |
174,926 |
176,594 |
181,660 |
| Non-Interest Bearing Deposits |
|
220 |
174 |
160 |
188 |
137 |
156 |
174 |
133 |
155 |
174 |
137 |
| Interest Bearing Deposits |
|
145,531 |
153,839 |
154,150 |
152,647 |
154,947 |
151,998 |
151,776 |
151,295 |
147,711 |
148,236 |
153,015 |
| Short-Term Debt |
|
7,200 |
1,455 |
2,194 |
2,410 |
0.00 |
3,122 |
1,771 |
3,339 |
3,856 |
3,879 |
4,126 |
| Accrued Interest Payable |
|
484 |
759 |
955 |
1,437 |
1,118 |
1,148 |
1,425 |
954 |
912 |
1,097 |
852 |
| Long-Term Debt |
|
16,628 |
20,480 |
20,141 |
20,096 |
17,011 |
15,979 |
16,807 |
16,465 |
15,876 |
16,749 |
17,349 |
| Unearned Premiums Liability |
|
3,468 |
3,455 |
3,478 |
3,494 |
3,480 |
3,496 |
3,534 |
3,563 |
3,627 |
3,648 |
3,665 |
| Other Long-Term Liabilities |
|
2,675 |
2,625 |
2,631 |
2,607 |
2,527 |
2,781 |
2,769 |
3,350 |
2,789 |
2,811 |
2,516 |
| Commitments & Contingencies |
|
0.00 |
0.00 |
0.00 |
0.00 |
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 |
14,232 |
14,547 |
15,117 |
15,609 |
| Total Preferred & Common Equity |
|
12,434 |
13,378 |
13,532 |
12,825 |
13,657 |
13,851 |
14,725 |
14,232 |
14,547 |
15,117 |
15,609 |
| Preferred Stock |
|
2,324 |
2,324 |
2,324 |
2,324 |
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 |
11,908 |
12,223 |
12,793 |
13,285 |
| Common Stock |
|
21,781 |
21,880 |
21,915 |
21,936 |
22,034 |
22,077 |
22,101 |
22,191 |
22,235 |
22,255 |
22,346 |
| Retained Earnings |
|
-544 |
-185 |
23 |
197 |
188 |
360 |
595 |
-78 |
151 |
427 |
827 |
| Treasury Stock |
|
-6,787 |
-6,865 |
-6,867 |
-6,867 |
-6,900 |
-6,901 |
-6,902 |
-6,943 |
-6,944 |
-6,945 |
-7,115 |
| Accumulated Other Comprehensive Income / (Loss) |
|
-4,340 |
-3,776 |
-3,863 |
-4,765 |
-3,989 |
-4,009 |
-3,393 |
-3,262 |
-3,219 |
-2,944 |
-2,773 |
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 |
2025 |
| Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| 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 |
$2.39 |
| 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 |
310.02M |
| 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 |
$2.37 |
| 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 |
313.04M |
| 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 |
$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 |
309.09M |
| Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
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 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Q2 2025 |
Q3 2025 |
Q4 2025 |
Q1 2026 |
| DEI Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
309,091,700.00 |
| DEI Adjusted Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
309,091,700.00 |
| DEI Earnings Per Adjusted Shares Outstanding |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
1.03 |
| Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Revenue Growth |
|
-2.38% |
-5.18% |
-5.43% |
-3.80% |
6.86% |
0.24% |
-22.87% |
2.97% |
1.55% |
- |
36.40% |
| EBITDA Growth |
|
-28.36% |
-49.74% |
-30.07% |
-21.17% |
1.67% |
14.43% |
-84.38% |
38.84% |
55.58% |
- |
910.39% |
| EBIT Growth |
|
-45.32% |
-81.12% |
-55.93% |
-36.23% |
2.19% |
108.33% |
-255.19% |
56.27% |
93.58% |
- |
240.85% |
| NOPAT Growth |
|
-1.33% |
-94.96% |
-50.94% |
-10.64% |
20.61% |
-1,092.86% |
-239.02% |
60.73% |
101.01% |
- |
260.46% |
| Net Income Growth |
|
-1.00% |
-95.32% |
-50.78% |
-10.64% |
20.61% |
-1,176.92% |
-257.34% |
60.73% |
101.01% |
- |
241.78% |
| EPS Growth |
|
0.00% |
-106.74% |
-56.25% |
-13.13% |
20.45% |
-800.00% |
-321.62% |
67.74% |
114.55% |
- |
213.41% |
| Operating Cash Flow Growth |
|
3.62% |
-110.49% |
-6.35% |
-0.82% |
-40.24% |
604.07% |
-25.75% |
-34.87% |
40.26% |
- |
45.85% |
| Free Cash Flow Firm Growth |
|
132.92% |
-214.88% |
1,783.14% |
0.12% |
94.38% |
191.67% |
-174.49% |
-131.11% |
-191.82% |
- |
23.49% |
| Invested Capital Growth |
|
-2.57% |
4.69% |
-13.15% |
-8.13% |
-5.74% |
-4.48% |
10.98% |
4.03% |
7.33% |
- |
8.96% |
| Revenue Q/Q Growth |
|
-5.34% |
6.05% |
170.40% |
0.70% |
5.15% |
-0.52% |
-26.34% |
35.11% |
4.13% |
- |
-0.99% |
| EBITDA Q/Q Growth |
|
-23.03% |
-27.88% |
110.96% |
11.76% |
-0.73% |
-18.83% |
-82.66% |
893.51% |
11.24% |
- |
3.05% |
| EBIT Q/Q Growth |
|
-43.42% |
-63.16% |
103.54% |
50.29% |
-9.34% |
-24.89% |
-262.29% |
253.52% |
17.66% |
- |
3.63% |
| NOPAT Q/Q Growth |
|
-10.03% |
-95.27% |
103.90% |
87.26% |
21.43% |
-138.94% |
-43.02% |
277.06% |
13.07% |
- |
-2.45% |
| Net Income Q/Q Growth |
|
-10.03% |
-95.61% |
106.58% |
87.26% |
21.43% |
-139.22% |
-60.71% |
256.44% |
13.07% |
- |
-2.45% |
| EPS Q/Q Growth |
|
-11.11% |
-106.82% |
180.00% |
104.76% |
23.26% |
-150.94% |
-51.85% |
226.83% |
13.46% |
- |
-4.12% |
| Operating Cash Flow Q/Q Growth |
|
4.53% |
-107.41% |
7,988.24% |
17.45% |
-37.02% |
-37.50% |
51.61% |
0.74% |
26.93% |
- |
114.22% |
| Free Cash Flow Firm Q/Q Growth |
|
-61.72% |
-225.18% |
412.63% |
-33.17% |
-25.68% |
-40.96% |
-353.32% |
72.66% |
-109.64% |
- |
30.26% |
| Invested Capital Q/Q Growth |
|
-1.49% |
-2.15% |
-11.45% |
7.45% |
1.07% |
-0.84% |
3.07% |
0.71% |
4.28% |
- |
-0.48% |
| Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBITDA Margin |
|
27.34% |
18.59% |
24.82% |
27.55% |
26.01% |
21.22% |
5.00% |
36.74% |
39.25% |
- |
37.01% |
| EBIT Margin |
|
11.59% |
4.02% |
8.61% |
12.85% |
11.08% |
8.37% |
-18.43% |
20.94% |
23.66% |
- |
19.03% |
| Profit (Net Income) Margin |
|
15.04% |
0.62% |
7.91% |
14.70% |
16.98% |
-6.69% |
-14.60% |
16.91% |
18.36% |
- |
15.18% |
| Tax Burden Percent |
|
129.82% |
15.48% |
91.81% |
114.40% |
153.22% |
-80.00% |
79.23% |
80.73% |
77.58% |
- |
79.75% |
| 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 |
|
-29.82% |
83.33% |
8.19% |
-14.40% |
-53.22% |
179.43% |
0.00% |
19.27% |
22.42% |
- |
20.25% |
| Return on Invested Capital (ROIC) |
|
3.51% |
0.16% |
1.94% |
3.43% |
4.03% |
-1.61% |
-3.08% |
3.91% |
4.16% |
- |
3.62% |
| ROIC Less NNEP Spread (ROIC-NNEP) |
|
3.51% |
0.16% |
1.94% |
3.43% |
4.03% |
-1.61% |
-3.22% |
3.91% |
4.16% |
- |
3.62% |
| Return on Net Nonoperating Assets (RNNOA) |
|
6.43% |
0.24% |
2.80% |
5.19% |
6.02% |
-2.34% |
-4.25% |
5.35% |
5.46% |
- |
5.00% |
| Return on Equity (ROE) |
|
9.94% |
0.41% |
4.74% |
8.61% |
10.05% |
-3.95% |
-7.33% |
9.27% |
9.62% |
- |
8.62% |
| Cash Return on Invested Capital (CROIC) |
|
6.02% |
-1.75% |
16.68% |
10.87% |
8.49% |
6.56% |
-9.48% |
-2.66% |
-5.24% |
- |
-4.65% |
| Operating Return on Assets (OROA) |
|
0.50% |
0.17% |
0.36% |
0.53% |
0.47% |
0.35% |
-0.74% |
0.85% |
0.96% |
- |
0.83% |
| Return on Assets (ROA) |
|
0.65% |
0.03% |
0.33% |
0.61% |
0.71% |
-0.28% |
-0.58% |
0.69% |
0.75% |
- |
0.66% |
| Return on Common Equity (ROCE) |
|
8.11% |
0.34% |
3.92% |
7.15% |
8.36% |
-3.28% |
-6.11% |
7.75% |
8.12% |
- |
7.28% |
| Return on Equity Simple (ROE_SIMPLE) |
|
9.53% |
0.00% |
6.28% |
5.94% |
6.00% |
0.00% |
2.11% |
2.98% |
4.19% |
- |
8.94% |
| Net Operating Profit after Tax (NOPAT) |
|
296 |
14 |
157 |
294 |
357 |
-139 |
-199 |
352 |
398 |
- |
319 |
| NOPAT Margin |
|
15.04% |
0.67% |
7.91% |
14.70% |
16.98% |
-6.64% |
-12.90% |
16.91% |
18.36% |
- |
15.18% |
| Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.01% |
0.14% |
0.00% |
0.00% |
- |
0.00% |
| SG&A Expenses to Revenue |
|
23.53% |
21.71% |
26.13% |
22.10% |
20.68% |
21.32% |
32.77% |
20.65% |
20.62% |
- |
23.36% |
| Operating Expenses to Revenue |
|
62.60% |
67.85% |
65.86% |
64.30% |
58.25% |
65.01% |
106.04% |
60.61% |
57.20% |
- |
58.75% |
| Earnings before Interest and Taxes (EBIT) |
|
228 |
84 |
171 |
257 |
233 |
175 |
-284 |
436 |
513 |
- |
400 |
| Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
538 |
388 |
493 |
551 |
547 |
444 |
77 |
765 |
851 |
- |
778 |
| Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Price to Book Value (P/BV) |
|
0.73 |
0.89 |
1.07 |
1.04 |
0.87 |
0.94 |
0.93 |
0.97 |
0.94 |
- |
0.91 |
| Price to Tangible Book Value (P/TBV) |
|
0.73 |
0.89 |
1.07 |
1.04 |
0.87 |
0.94 |
0.93 |
0.97 |
0.94 |
- |
0.91 |
| Price to Revenue (P/Rev) |
|
0.92 |
1.23 |
1.50 |
1.49 |
1.32 |
1.33 |
1.44 |
1.52 |
1.54 |
- |
1.42 |
| Price to Earnings (P/E) |
|
6.93 |
11.97 |
16.24 |
16.80 |
13.89 |
19.52 |
58.41 |
36.75 |
23.07 |
- |
9.37 |
| Dividend Yield |
|
4.70% |
3.57% |
2.98% |
3.05% |
3.40% |
3.36% |
3.32% |
3.11% |
3.06% |
- |
3.08% |
| Earnings Yield |
|
14.43% |
8.36% |
6.16% |
5.95% |
7.20% |
5.12% |
1.71% |
2.72% |
4.33% |
- |
10.68% |
| Enterprise Value to Invested Capital (EV/IC) |
|
0.68 |
0.76 |
0.76 |
0.79 |
0.69 |
0.67 |
0.67 |
0.68 |
0.69 |
- |
0.71 |
| Enterprise Value to Revenue (EV/Rev) |
|
2.88 |
3.20 |
2.88 |
3.25 |
2.82 |
2.69 |
2.95 |
3.00 |
3.17 |
- |
3.11 |
| Enterprise Value to EBITDA (EV/EBITDA) |
|
8.85 |
11.32 |
11.02 |
13.22 |
11.64 |
10.83 |
14.09 |
12.73 |
11.59 |
- |
8.36 |
| Enterprise Value to EBIT (EV/EBIT) |
|
16.41 |
23.92 |
26.94 |
36.16 |
31.77 |
26.37 |
61.83 |
44.36 |
32.01 |
- |
15.17 |
| Enterprise Value to NOPAT (EV/NOPAT) |
|
19.64 |
27.51 |
27.16 |
31.60 |
26.03 |
32.95 |
75.80 |
53.76 |
39.07 |
- |
18.86 |
| Enterprise Value to Operating Cash Flow (EV/OCF) |
|
4.10 |
5.79 |
5.10 |
5.71 |
5.92 |
4.87 |
5.43 |
6.31 |
6.13 |
- |
6.33 |
| Enterprise Value to Free Cash Flow (EV/FCFF) |
|
11.15 |
0.00 |
4.24 |
6.96 |
7.91 |
9.95 |
0.00 |
0.00 |
0.00 |
- |
0.00 |
| Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Debt to Equity |
|
1.75 |
1.52 |
1.25 |
1.38 |
1.26 |
1.38 |
1.39 |
1.36 |
1.36 |
- |
1.38 |
| Long-Term Debt to Equity |
|
1.57 |
1.28 |
1.25 |
1.15 |
1.14 |
1.26 |
1.16 |
1.09 |
1.11 |
- |
1.11 |
| Financial Leverage |
|
1.83 |
1.54 |
1.44 |
1.51 |
1.49 |
1.45 |
1.32 |
1.37 |
1.31 |
- |
1.38 |
| Leverage Ratio |
|
15.22 |
14.61 |
14.39 |
14.23 |
14.11 |
14.06 |
13.85 |
13.45 |
12.89 |
- |
13.09 |
| Compound Leverage Factor |
|
15.22 |
14.61 |
14.39 |
14.23 |
14.11 |
14.06 |
13.85 |
13.45 |
12.89 |
- |
13.09 |
| Debt to Total Capital |
|
63.70% |
60.36% |
55.47% |
57.97% |
55.78% |
57.90% |
58.19% |
57.56% |
57.71% |
- |
57.91% |
| Short-Term Debt to Total Capital |
|
6.82% |
9.54% |
0.00% |
9.47% |
5.32% |
4.92% |
9.81% |
11.25% |
10.85% |
- |
11.13% |
| Long-Term Debt to Total Capital |
|
56.88% |
50.82% |
55.47% |
48.49% |
50.47% |
52.98% |
48.38% |
46.31% |
46.86% |
- |
46.78% |
| Preferred Equity to Total Capital |
|
6.58% |
6.72% |
7.58% |
7.05% |
6.98% |
7.04% |
6.83% |
6.78% |
6.50% |
- |
6.27% |
| 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 |
|
29.72% |
32.92% |
36.95% |
34.98% |
37.24% |
35.06% |
34.99% |
35.66% |
35.79% |
- |
35.82% |
| Debt to EBITDA |
|
8.29 |
8.96 |
8.03 |
9.70 |
9.39 |
9.40 |
12.23 |
10.76 |
9.65 |
- |
6.82 |
| Net Debt to EBITDA |
|
5.16 |
5.98 |
4.18 |
5.96 |
5.03 |
4.34 |
5.80 |
4.99 |
4.86 |
- |
3.80 |
| Long-Term Debt to EBITDA |
|
7.40 |
7.54 |
8.03 |
8.11 |
8.49 |
8.60 |
10.17 |
8.66 |
7.84 |
- |
5.51 |
| Debt to NOPAT |
|
18.40 |
21.76 |
19.80 |
23.18 |
20.99 |
28.58 |
65.79 |
45.47 |
32.54 |
- |
15.38 |
| Net Debt to NOPAT |
|
11.44 |
14.52 |
10.31 |
14.24 |
11.26 |
13.20 |
31.21 |
21.06 |
16.38 |
- |
8.57 |
| Long-Term Debt to NOPAT |
|
16.43 |
18.32 |
19.80 |
19.39 |
18.99 |
26.15 |
54.70 |
36.58 |
26.42 |
- |
12.43 |
| Noncontrolling Interest Sharing Ratio |
|
18.40% |
17.50% |
17.19% |
16.97% |
16.87% |
16.84% |
16.67% |
16.37% |
15.58% |
- |
15.58% |
| Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Free Cash Flow to Firm (FCFF) |
|
1,227 |
-1,536 |
4,802 |
3,209 |
2,385 |
1,408 |
-3,567 |
-975 |
-2,044 |
- |
-2,729 |
| 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 |
|
0.60 |
-0.73 |
2.26 |
1.57 |
1.14 |
0.72 |
-1.86 |
-0.54 |
-1.13 |
- |
-1.53 |
| Operating Cash Flow to Interest Expense |
|
0.81 |
-0.06 |
0.63 |
0.77 |
0.48 |
0.32 |
0.49 |
0.52 |
0.67 |
- |
0.77 |
| Operating Cash Flow Less CapEx to Interest Expense |
|
0.81 |
-0.06 |
0.63 |
0.77 |
0.48 |
0.32 |
0.49 |
0.52 |
0.67 |
- |
0.77 |
| Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Asset Turnover |
|
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
0.04 |
- |
0.04 |
| Fixed Asset Turnover |
|
0.00 |
0.84 |
0.85 |
0.88 |
0.91 |
0.96 |
0.93 |
0.95 |
0.92 |
- |
1.02 |
| Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Invested Capital |
|
35,331 |
34,570 |
30,668 |
32,952 |
33,303 |
33,023 |
34,036 |
34,279 |
35,745 |
- |
37,084 |
| Invested Capital Turnover |
|
0.23 |
0.24 |
0.25 |
0.23 |
0.24 |
0.24 |
0.24 |
0.23 |
0.23 |
- |
0.24 |
| Increase / (Decrease) in Invested Capital |
|
-931 |
1,550 |
-4,645 |
-2,915 |
-2,028 |
-1,547 |
3,368 |
1,327 |
2,442 |
- |
3,048 |
| Enterprise Value (EV) |
|
24,019 |
26,381 |
23,331 |
26,035 |
23,036 |
22,042 |
22,817 |
23,334 |
24,772 |
- |
26,325 |
| Market Capitalization |
|
7,704 |
10,135 |
12,149 |
11,979 |
10,750 |
10,890 |
11,098 |
11,870 |
12,066 |
- |
12,044 |
| Book Value per Share |
|
$34.82 |
$37.73 |
$37.04 |
$37.92 |
$40.70 |
$38.00 |
$38.77 |
$39.79 |
$41.56 |
- |
$42.98 |
| Tangible Book Value per Share |
|
$34.82 |
$37.73 |
$37.04 |
$37.92 |
$40.70 |
$38.00 |
$38.77 |
$39.79 |
$41.56 |
- |
$42.98 |
| Total Capital |
|
35,331 |
34,570 |
30,668 |
32,952 |
33,303 |
33,023 |
34,036 |
34,279 |
35,745 |
- |
37,084 |
| Total Debt |
|
22,506 |
20,867 |
17,011 |
19,101 |
18,578 |
19,120 |
19,804 |
19,732 |
20,628 |
- |
21,475 |
| Total Long-Term Debt |
|
20,096 |
17,570 |
17,011 |
15,979 |
16,807 |
17,495 |
16,465 |
15,876 |
16,749 |
- |
17,349 |
| Net Debt |
|
13,991 |
13,922 |
8,858 |
11,732 |
9,962 |
8,828 |
9,395 |
9,140 |
10,382 |
- |
11,957 |
| 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) |
|
0.00 |
1.00 |
0.00 |
0.00 |
0.00 |
1.00 |
26 |
0.00 |
0.00 |
- |
0.00 |
| Net Nonoperating Obligations (NNO) |
|
22,506 |
20,867 |
17,011 |
19,101 |
18,578 |
19,120 |
19,804 |
19,732 |
20,628 |
- |
21,475 |
| Total Depreciation and Amortization (D&A) |
|
310 |
304 |
322 |
294 |
314 |
269 |
361 |
329 |
338 |
- |
378 |
| Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Adjusted Basic Earnings per Share |
|
$0.88 |
($0.04) |
$0.42 |
$0.87 |
$1.07 |
($0.54) |
($0.82) |
$1.05 |
$1.19 |
$0.97 |
$0.94 |
| Adjusted Weighted Average Basic Shares Outstanding |
|
304.13M |
303.75M |
306.00M |
306.77M |
307.31M |
306.91M |
309.01M |
309.90M |
310.34M |
310.02M |
310.99M |
| Adjusted Diluted Earnings per Share |
|
$0.88 |
($0.06) |
$0.42 |
$0.86 |
$1.06 |
($0.54) |
($0.82) |
$1.04 |
$1.18 |
$0.97 |
$0.93 |
| Adjusted Weighted Average Diluted Shares Outstanding |
|
305.69M |
305.14M |
308.42M |
309.89M |
311.04M |
310.16M |
309.01M |
312.43M |
313.82M |
313.04M |
313.22M |
| 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 |
|
301.63M |
303.96M |
303.98M |
304.67M |
304.71M |
307.11M |
307.17M |
307.81M |
308.05M |
309.09M |
306.52M |
| Normalized Net Operating Profit after Tax (NOPAT) |
|
160 |
59 |
157 |
180 |
163 |
123 |
15 |
352 |
398 |
- |
319 |
| Normalized NOPAT Margin |
|
8.11% |
2.82% |
7.91% |
9.00% |
7.76% |
5.86% |
0.95% |
16.91% |
18.36% |
- |
15.18% |
| Pre Tax Income Margin |
|
11.59% |
4.02% |
8.61% |
12.85% |
11.08% |
8.37% |
-18.43% |
20.94% |
23.66% |
- |
19.03% |
| Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| EBIT to Interest Expense |
|
0.11 |
0.04 |
0.08 |
0.13 |
0.11 |
0.09 |
-0.15 |
0.24 |
0.28 |
- |
0.22 |
| NOPAT to Interest Expense |
|
0.14 |
0.01 |
0.07 |
0.14 |
0.17 |
-0.07 |
-0.10 |
0.19 |
0.22 |
- |
0.18 |
| EBIT Less CapEx to Interest Expense |
|
0.11 |
0.04 |
0.08 |
0.13 |
0.11 |
0.09 |
-0.15 |
0.24 |
0.28 |
- |
0.22 |
| NOPAT Less CapEx to Interest Expense |
|
0.14 |
0.01 |
0.07 |
0.14 |
0.17 |
-0.07 |
-0.10 |
0.19 |
0.22 |
- |
0.18 |
| Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
| Dividend Payout Ratio |
|
38.71% |
49.95% |
55.83% |
58.20% |
54.41% |
72.16% |
161.67% |
112.24% |
76.94% |
- |
35.17% |
| Augmented Payout Ratio |
|
45.25% |
53.40% |
59.91% |
62.33% |
58.37% |
77.84% |
176.00% |
122.17% |
83.73% |
- |
47.49% |
Key Financial Trends
Ally Financial’s recent results show a business that is still profitable, but with clear signs of pressure on earnings quality and balance-sheet flexibility. Over the last several quarters, Ally has generally generated steady revenue and positive operating cash flow, but its net interest margin appears under pressure as deposit costs remain elevated. At the same time, credit-loss provisions have stayed meaningful, and the company’s earnings have been more volatile than its revenue suggests.
What stands out most: Q1 2026 was a weaker quarter than the strong close to 2025. Revenue was essentially flat to slightly lower sequentially, while pre-tax income dropped sharply and earnings declined from the prior quarter. The balance sheet still looks large and deposit-funded, but debt and deposit movements suggest Ally is actively managing liquidity rather than simply growing the franchise. Common equity also remains relatively modest compared with total assets, which is typical for a financial institution but still important for investors watching capital strength.
- Operating cash flow remained strong in Q1 2026 at $1.37 billion, showing the core franchise still generates substantial cash.
- Net interest income in Q1 2026 was $1.589 billion, holding near recent quarterly levels despite a tough rate environment.
- Non-interest income improved versus early-2025 levels, reaching $513 million in Q1 2026.
- Total assets rose to $197.3 billion in Q1 2026 from $193.3 billion a year earlier, indicating continued scale.
- Quarterly net income improved dramatically versus Q1 2025, when Ally posted a loss; Q1 2026 net income was $319 million.
- Loan balances continued to grow, with loans and leases net of allowance at $136.4 billion in Q1 2026 versus $130.1 billion in Q1 2025.
- The allowance for loan and lease losses also increased to $3.54 billion, suggesting management remains cautious on credit quality.
- Cash dividends remained steady at $0.30 per share across the periods shown.
- Q1 2026 pre-tax income fell to $400 million from $386 million in Q4 2025 and well below stronger 2025 quarters, showing earnings pressure.
- Net interest income has been relatively flat while deposit interest expense remains high, limiting margin expansion.
- Provision for credit losses stayed elevated at $467 million in Q1 2026, continuing to weigh on profitability.
- Q1 2026 net change in cash and equivalents was negative $580 million, reflecting a cash outflow despite positive operating cash flow.
- Common equity was only $13.3 billion in Q1 2026, leaving a thin equity cushion relative to a nearly $200 billion asset base.
- The company’s quarterly earnings have been volatile since 2024, including a loss in Q1 2025 and a weak Q4 2024.
Bottom line: Ally Financial is still producing solid cash flow and remains profitable, but the trend line is not especially strong. The main investor concerns are compressed spread income, persistent credit provisioning, and uneven earnings momentum. If deposit costs ease or credit trends improve, results could stabilize; if not, profitability may stay choppy.
06/12/26 10:56 PM ETAI Generated. May Contain Errors.