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Ally Financial (ALLY) Financials

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$43.37 -0.11 (-0.25%)
Closing price 07/31/2026 03:59 PM Eastern
Extended Trading
$43.40 +0.03 (+0.08%)
As of 07/31/2026 07:38 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders
1,289 1,067 929 1,263 1,715 1,085 3,003 1,604 847 558 742
Consolidated Net Income / (Loss)
1,289 1,067 929 1,263 1,715 1,085 3,060 1,714 957 668 852
Net Income / (Loss) Continuing Operations
897 1,111 926 1,263 1,721 1,086 3,065 1,715 959 669 852
Total Pre-Tax Income
1,393 1,581 1,507 1,622 1,967 1,414 3,855 2,342 1,103 836 1,051
Total Revenue
4,861 5,437 5,765 5,804 6,394 6,686 8,206 8,428 8,234 8,181 7,914
Net Interest Income / (Expense)
3,719 3,907 4,221 2,901 4,633 3,268 6,167 6,850 6,221 6,014 6,176
Total Interest Income
8,397 8,305 8,322 7,563 9,857 7,362 8,651 10,621 13,958 14,222 13,521
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 12,176
Investment Securities Interest Income
381 418 599 788 955 736 600 841 1,022 1,037 972
Deposits and Money Market Investments Interest Income
8.00 14 37 72 78 28 15 54 332 386 373
Total Interest Expense
4,678 4,398 4,101 4,662 5,224 4,094 2,484 3,771 7,737 8,208 7,345
Deposits Interest Expense
718 830 1,077 1,735 2,538 1,952 1,045 1,987 5,819 6,388 5,302
Short-Term Borrowings Interest Expense
49 57 127 149 135 42 1.00 107 73 66 35
Long-Term Debt Interest Expense
1,662 1,742 1,653 1,753 1,570 1,249 860 763 1,001 1,017 1,068
Capitalized Lease Obligations Interest Expense
2,249 1,769 1,244 1,025 981 851 570 914 840 736 937
Other Interest Expense
- - - - 0.00 0.00 8.00 0.00 4.00 1.00 3.00
Total Non-Interest Income
1,142 1,530 1,544 2,903 1,761 3,418 2,039 1,578 2,013 2,167 1,738
Service Charges on Deposit Accounts
940 945 973 1,022 1,087 1,103 1,117 1,151 1,271 1,413 1,450
Other Service Charges
359 389 401 418 405 565 686 495 582 658 684
Net Realized & Unrealized Capital Gains on Investments
-157 196 170 -26 269 315 236 -68 160 96 -396
Provision for Credit Losses
707 917 1,148 918 998 - 241 1,399 1,968 2,166 1,477
Total Non-Interest Expense
2,761 2,939 3,110 3,264 3,429 3,833 4,110 4,687 5,163 5,179 5,386
Salaries and Employee Benefits
963 992 1,095 1,155 1,222 1,376 1,643 1,900 1,901 1,842 1,857
Property & Liability Insurance Claims
293 342 332 295 321 363 261 280 422 544 616
Other Operating Expenses
1,505 1,605 1,683 1,814 1,886 2,044 2,206 2,507 2,691 2,675 2,608
Impairment Charge
- - - 0.00 0.00 50 0.00 0.00 149 118 305
Income Tax Expense
496 470 581 359 246 328 790 627 144 167 199
Net Income / (Loss) Discontinued Operations
392 -44 - - -12 -1.00 -10 -1.00 -4.00 -2.00 0.00
Basic Earnings per Share
($2.66) $2.15 $2.05 $2.97 $4.36 $2.89 $8.28 $5.06 $2.79 $1.82 $2.39
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 310.02M
Diluted Earnings per Share
($2.66) $2.15 $2.04 $2.95 $4.34 $2.88 $8.22 $5.03 $2.77 $1.80 $2.37
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 313.04M
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 309.09M
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 $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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders
-14 115 191 171 -167 -253 324 371 300 291 367
Consolidated Net Income / (Loss)
13 143 219 198 -140 -225 352 398 327 319 410
Net Income / (Loss) Continuing Operations
14 143 219 198 -139 -225 352 398 327 319 410
Total Pre-Tax Income
84 183 279 265 175 -284 436 513 386 400 537
Total Revenue
2,087 1,998 2,022 2,135 2,092 1,541 2,082 2,168 2,123 2,102 2,286
Net Interest Income / (Expense)
1,513 1,468 1,517 1,520 1,575 1,478 1,516 1,584 1,598 1,589 1,684
Total Interest Income
3,623 3,582 3,538 3,574 3,528 3,393 3,325 3,387 3,416 3,374 3,465
Loans and Leases Interest Income
3,263 3,219 3,185 3,210 3,185 3,065 2,982 3,045 3,084 3,059 3,143
Investment Securities Interest Income
270 266 265 262 244 230 248 250 244 234 242
Deposits and Money Market Investments Interest Income
90 97 88 102 99 98 95 92 88 81 80
Total Interest Expense
2,110 2,114 2,021 2,054 1,953 1,915 1,809 1,803 1,818 1,785 1,781
Deposits Interest Expense
1,621 1,651 1,594 1,616 1,527 1,403 1,329 1,302 1,268 1,233 1,200
Short-Term Borrowings Interest Expense
37 23 27 13 3.00 1.00 5.00 11 18 19 42
Long-Term Debt Interest Expense
248 248 244 256 269 271 258 265 274 265 266
Capitalized Lease Obligations Interest Expense
202 192 155 169 154 240 216 225 256 268 269
Other Interest Expense
2.00 - 1.00 0.00 - - 1.00 0.00 - - 4.00
Total Non-Interest Income
574 530 505 615 517 63 566 584 525 513 602
Service Charges on Deposit Accounts
335 345 341 359 368 364 359 361 366 360 368
Other Service Charges
151 150 165 176 167 197 150 170 167 177 166
Net Realized & Unrealized Capital Gains on Investments
88 35 -1.00 80 -18 -498 57 53 -8.00 -24 68
Provision for Credit Losses
587 507 457 645 557 191 384 415 487 467 430
Total Non-Interest Expense
1,416 1,308 1,286 1,225 1,360 1,634 1,262 1,240 1,250 1,235 1,319
Salaries and Employee Benefits
453 519 442 435 446 505 430 447 475 491 458
Property & Liability Insurance Claims
93 112 181 135 116 161 203 141 111 121 208
Other Operating Expenses
721 677 663 655 680 663 629 652 664 623 653
Impairment Charge
- 0.00 0.00 0.00 - 305 0.00 0.00 - 0.00 0.00
Income Tax Expense
70 40 60 67 314 -59 84 115 59 81 127
Basic Earnings per Share
($0.04) $0.38 $0.63 $0.55 ($0.54) ($0.82) $1.05 $1.19 $0.97 $0.94 $1.19
Weighted Average Basic Shares Outstanding
303.75M 306.00M 306.77M 307.31M 306.91M 309.01M 309.90M 310.34M 310.02M 310.99M 308.36M
Diluted Earnings per Share
($0.06) $0.37 $0.62 $0.55 ($0.54) ($0.82) $1.04 $1.18 $0.97 $0.93 $1.18
Weighted Average Diluted Shares Outstanding
305.14M 308.42M 309.89M 311.04M 310.16M 309.01M 312.43M 313.82M 313.04M 313.22M 311.04M
Weighted Average Basic & Diluted Shares Outstanding
303.96M 303.98M 304.67M 304.71M 307.11M 307.17M 307.81M 308.05M 309.09M 306.52M 304.20M
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
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 12/31/2025
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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents
-1,679 1,201 -516 1,180 2,076 37 91 96 205 -580 -1,606
Net Cash From Operating Activities
-123 1,266 1,575 992 620 940 947 1,202 640 1,371 1,353
Net Cash From Continuing Operating Activities
-123 1,266 1,575 992 620 940 947 1,202 640 1,371 1,353
Net Income / (Loss) Continuing Operations
13 143 294 357 -140 -225 352 398 327 319 410
Consolidated Net Income / (Loss)
13 143 294 357 -140 -225 352 398 327 319 410
Provision For Loan Losses
587 507 457 645 557 191 384 415 487 467 430
Depreciation Expense
304 310 294 314 269 361 329 338 369 378 378
Non-Cash Adjustments to Reconcile Net Income
96 -88 291 132 100 856 22 -72 -4.00 -17 -152
Changes in Operating Assets and Liabilities, net
-1,123 394 239 -456 -166 -243 -140 123 -539 224 287
Net Cash From Investing Activities
-2,967 3,576 -1,107 1,060 1,537 -1,341 2,909 -2,381 -4,451 -3,043 -4,596
Net Cash From Continuing Investing Activities
-2,967 3,576 -1,107 1,060 1,537 -1,341 2,909 -2,381 -4,451 -3,043 -4,596
Purchase of Investment Securities
-1,438 -2,093 -1,995 -1,229 -777 -5,369 -4,061 -2,643 -5,654 -4,878 -6,180
Sale and/or Maturity of Investments
-2,373 2,756 -198 1,391 1,288 3,345 3,788 -322 789 1,335 1,061
Other Investing Activities, net
844 964 1,079 898 1,026 683 770 584 414 500 523
Net Cash From Financing Activities
1,408 -3,638 -982 -874 -72 438 -3,775 1,280 4,013 1,095 1,641
Net Cash From Continuing Financing Activities
1,408 -3,638 -982 -874 -72 438 -3,775 1,280 4,013 1,095 1,641
Net Change in Deposits
1,817 389 -2,934 -212 -470 -64 -3,562 527 3,041 1,684 803
Issuance of Debt
1,710 123 3,548 2,492 1,471 24 3,160 -613 2,102 1,081 796
Repayment of Debt
-1,997 -3,996 -1,476 -3,034 -947 640 -3,252 1,487 -986 -1,393 673
Repurchase of Common Equity
-4.00 -29 -1.00 -1.00 -7.00 -34 -1.00 -1.00 -23 -147 -148
Payment of Dividends
-118 -125 -119 -119 -119 -128 -120 -120 -121 -130 -120
Effect of Exchange Rate Changes
3.00 -3.00 -2.00 2.00 -9.00 0.00 10 -5.00 3.00 -3.00 -4.00
Cash Interest Paid
2,462 1,641 1,814 1,588 2,311 1,587 1,615 1,370 1,905 1,370 1,444
Cash Income Taxes Paid
15 7.00 38 49 41 13 95 53 198 12 140

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
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 12/31/2025
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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets
196,165 197,241 195,704 192,877 192,531 192,981 193,331 189,473 191,711 197,269 199,772
Cash and Due from Banks
554 536 603 589 536 544 543 530 429 380 339
Interest Bearing Deposits at Other Banks
9,226 9,436 7,912 7,564 6,833 8,072 9,866 10,062 9,817 9,138 7,501
Trading Account Securities
31,021 29,991 28,821 29,485 28,918 29,529 28,165 28,081 28,161 28,575 28,780
Loans and Leases, Net of Allowance
0.00 134,668 136,423 134,410 135,211 133,801 130,087 129,813 131,107 136,350 140,097
Loans and Leases
- 138,449 140,260 137,960 138,783 137,501 133,485 133,229 134,567 139,890 143,673
Allowance for Loan and Lease Losses
- - 3,837 3,550 3,572 3,700 3,398 3,416 3,460 3,540 3,576
Premises and Equipment, Net
10,236 9,930 9,569 8,731 8,374 8,318 7,879 7,992 8,599 8,699 8,585
Unearned Premiums Asset
2,713 2,768 2,775 2,750 2,806 2,810 2,806 2,893 2,903 2,817 2,860
Other Assets
142,415 6,131 9,601 9,348 9,853 9,907 13,985 10,102 10,695 11,310 11,610
Total Liabilities & Shareholders' Equity
196,165 197,241 195,704 192,877 192,531 192,981 193,331 189,473 191,711 197,269 199,772
Total Liabilities
182,787 183,709 182,879 179,220 178,680 178,256 179,099 174,926 176,594 181,660 184,281
Non-Interest Bearing Deposits
174 160 188 137 156 174 133 155 174 137 153
Interest Bearing Deposits
153,839 154,150 152,647 154,947 151,998 151,776 151,295 147,711 148,236 153,015 153,893
Short-Term Debt
1,455 2,194 2,410 0.00 3,122 1,771 3,339 3,856 3,879 4,126 5,916
Accrued Interest Payable
759 955 1,437 1,118 1,148 1,425 954 912 1,097 852 895
Long-Term Debt
20,480 20,141 20,096 17,011 15,979 16,807 16,465 15,876 16,749 17,349 17,053
Unearned Premiums Liability
3,455 3,478 3,494 3,480 3,496 3,534 3,563 3,627 3,648 3,665 3,693
Other Long-Term Liabilities
2,625 2,631 2,607 2,527 2,781 2,769 3,350 2,789 2,811 2,516 2,678
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
13,378 13,532 12,825 13,657 13,851 14,725 14,232 14,547 15,117 15,609 15,491
Total Preferred & Common Equity
13,378 13,532 12,825 13,657 13,851 14,725 14,232 14,547 15,117 15,609 15,491
Preferred Stock
2,324 2,324 2,324 2,324 2,324 2,324 2,324 2,324 2,324 2,324 1,976
Total Common Equity
11,054 11,208 10,501 11,333 11,527 12,401 11,908 12,223 12,793 13,285 13,515
Common Stock
21,880 21,915 21,936 22,034 22,077 22,101 22,191 22,235 22,255 22,346 22,388
Retained Earnings
-185 23 197 188 360 595 -78 151 427 827 1,101
Treasury Stock
-6,865 -6,867 -6,867 -6,900 -6,901 -6,902 -6,943 -6,944 -6,945 -7,115 -7,263
Accumulated Other Comprehensive Income / (Loss)
-3,776 -3,863 -4,765 -3,989 -4,009 -3,393 -3,262 -3,219 -2,944 -2,773 -2,711

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
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 12/31/2025
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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding
- - - - - - - - - 309,091,700.00 306,523,062.00
DEI Adjusted Shares Outstanding
- - - - - - - - - 309,091,700.00 306,523,062.00
DEI Earnings Per Adjusted Shares Outstanding
- - - - - - - - - 1.03 1.34
Growth Metrics
- - - - - - - - - - -
Revenue Growth
-5.18% -5.43% -3.80% 6.86% 0.24% -22.87% 2.97% 1.55% - 36.40% 9.80%
EBITDA Growth
-49.74% -30.07% -21.17% 1.67% 14.43% -84.38% 38.84% 55.58% - 910.39% 19.61%
EBIT Growth
-81.12% -55.93% -36.23% 2.19% 108.33% -255.19% 56.27% 93.58% - 240.85% 23.17%
NOPAT Growth
-94.96% -50.94% -10.64% 20.61% -1,092.86% -239.02% 60.73% 101.01% - 260.46% 16.48%
Net Income Growth
-95.32% -50.78% -10.64% 20.61% -1,176.92% -257.34% 60.73% 101.01% - 241.78% 16.48%
EPS Growth
-106.74% -56.25% -13.13% 20.45% -800.00% -321.62% 67.74% 114.55% - 213.41% 13.46%
Operating Cash Flow Growth
-110.49% -6.35% -0.82% -40.24% 604.07% -25.75% -34.87% 40.26% - 45.85% 42.87%
Free Cash Flow Firm Growth
-214.88% 1,783.14% 0.12% 94.38% 191.67% -174.49% -131.11% -191.82% - 23.49% -286.77%
Invested Capital Growth
4.69% -13.15% -8.13% -5.74% -4.48% 10.98% 4.03% 7.33% - 8.96% 12.20%
Revenue Q/Q Growth
6.05% 170.40% 0.70% 5.15% -0.52% -26.34% 35.11% 4.13% - -0.99% 8.75%
EBITDA Q/Q Growth
-27.88% 110.96% 11.76% -0.73% -18.83% -82.66% 893.51% 11.24% - 3.05% 17.61%
EBIT Q/Q Growth
-63.16% 103.54% 50.29% -9.34% -24.89% -262.29% 253.52% 17.66% - 3.63% 34.25%
NOPAT Q/Q Growth
-95.27% 103.90% 87.26% 21.43% -138.94% -43.02% 277.06% 13.07% - -2.45% 28.53%
Net Income Q/Q Growth
-95.61% 106.58% 87.26% 21.43% -139.22% -60.71% 256.44% 13.07% - -2.45% 28.53%
EPS Q/Q Growth
-106.82% 180.00% 104.76% 23.26% -150.94% -51.85% 226.83% 13.46% - -4.12% 26.88%
Operating Cash Flow Q/Q Growth
-107.41% 7,988.24% 17.45% -37.02% -37.50% 51.61% 0.74% 26.93% - 114.22% -1.31%
Free Cash Flow Firm Q/Q Growth
-225.18% 412.63% -33.17% -25.68% -40.96% -353.32% 72.66% -109.64% - 30.26% -38.18%
Invested Capital Q/Q Growth
-2.15% -11.45% 7.45% 1.07% -0.84% 3.07% 0.71% 4.28% - -0.48% 3.71%
Profitability Metrics
- - - - - - - - - - -
EBITDA Margin
18.59% 24.82% 27.55% 26.01% 21.22% 5.00% 36.74% 39.25% - 37.01% 40.03%
EBIT Margin
4.02% 8.61% 12.85% 11.08% 8.37% -18.43% 20.94% 23.66% - 19.03% 23.49%
Profit (Net Income) Margin
0.62% 7.91% 14.70% 16.98% -6.69% -14.60% 16.91% 18.36% - 15.18% 17.94%
Tax Burden Percent
15.48% 91.81% 114.40% 153.22% -80.00% 79.23% 80.73% 77.58% - 79.75% 76.35%
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
83.33% 8.19% -14.40% -53.22% 179.43% 0.00% 19.27% 22.42% - 20.25% 23.65%
Return on Invested Capital (ROIC)
0.16% 1.94% 3.43% 4.03% -1.61% -3.08% 3.91% 4.16% - 3.62% 4.28%
ROIC Less NNEP Spread (ROIC-NNEP)
0.16% 1.94% 3.43% 4.03% -1.61% -3.22% 3.91% 4.16% - 3.62% 4.28%
Return on Net Nonoperating Assets (RNNOA)
0.24% 2.80% 5.19% 6.02% -2.34% -4.25% 5.35% 5.46% - 5.00% 6.08%
Return on Equity (ROE)
0.41% 4.74% 8.61% 10.05% -3.95% -7.33% 9.27% 9.62% - 8.62% 10.36%
Cash Return on Invested Capital (CROIC)
-1.75% 16.68% 10.87% 8.49% 6.56% -9.48% -2.66% -5.24% - -4.65% -7.50%
Operating Return on Assets (OROA)
0.17% 0.36% 0.53% 0.47% 0.35% -0.74% 0.85% 0.96% - 0.83% 1.05%
Return on Assets (ROA)
0.03% 0.33% 0.61% 0.71% -0.28% -0.58% 0.69% 0.75% - 0.66% 0.80%
Return on Common Equity (ROCE)
0.34% 3.92% 7.15% 8.36% -3.28% -6.11% 7.75% 8.12% - 7.28% 8.88%
Return on Equity Simple (ROE_SIMPLE)
0.00% 6.28% 5.94% 6.00% 0.00% 2.11% 2.98% 4.19% - 8.94% 9.39%
Net Operating Profit after Tax (NOPAT)
14 157 294 357 -139 -199 352 398 - 319 410
NOPAT Margin
0.67% 7.91% 14.70% 16.98% -6.64% -12.90% 16.91% 18.36% - 15.18% 17.94%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.00% 0.01% 0.14% 0.00% 0.00% - 0.00% 0.00%
SG&A Expenses to Revenue
21.71% 26.13% 22.10% 20.68% 21.32% 32.77% 20.65% 20.62% - 23.36% 20.04%
Operating Expenses to Revenue
67.85% 65.86% 64.30% 58.25% 65.01% 106.04% 60.61% 57.20% - 58.75% 57.70%
Earnings before Interest and Taxes (EBIT)
84 171 257 233 175 -284 436 513 - 400 537
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
388 493 551 547 444 77 765 851 - 778 915
Valuation Ratios
- - - - - - - - - - -
Price to Book Value (P/BV)
0.89 1.07 1.04 0.87 0.94 0.93 0.97 0.94 - 0.91 1.04
Price to Tangible Book Value (P/TBV)
0.89 1.07 1.04 0.87 0.94 0.93 0.97 0.94 - 0.91 1.04
Price to Revenue (P/Rev)
1.23 1.50 1.49 1.32 1.33 1.44 1.52 1.54 - 1.42 1.62
Price to Earnings (P/E)
11.97 16.24 16.80 13.89 19.52 58.41 36.75 23.07 - 9.37 10.60
Dividend Yield
3.57% 2.98% 3.05% 3.40% 3.36% 3.32% 3.11% 3.06% - 3.08% 2.61%
Earnings Yield
8.36% 6.16% 5.95% 7.20% 5.12% 1.71% 2.72% 4.33% - 10.68% 9.44%
Enterprise Value to Invested Capital (EV/IC)
0.76 0.76 0.79 0.69 0.67 0.67 0.68 0.69 - 0.71 0.81
Enterprise Value to Revenue (EV/Rev)
3.20 2.88 3.25 2.82 2.69 2.95 3.00 3.17 - 3.11 3.59
Enterprise Value to EBITDA (EV/EBITDA)
11.32 11.02 13.22 11.64 10.83 14.09 12.73 11.59 - 8.36 9.45
Enterprise Value to EBIT (EV/EBIT)
23.92 26.94 36.16 31.77 26.37 61.83 44.36 32.01 - 15.17 16.99
Enterprise Value to NOPAT (EV/NOPAT)
27.51 27.16 31.60 26.03 32.95 75.80 53.76 39.07 - 18.86 21.45
Enterprise Value to Operating Cash Flow (EV/OCF)
5.79 5.10 5.71 5.92 4.87 5.43 6.31 6.13 - 6.33 6.83
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 4.24 6.96 7.91 9.95 0.00 0.00 0.00 - 0.00 0.00
Leverage & Solvency
- - - - - - - - - - -
Debt to Equity
1.52 1.25 1.38 1.26 1.38 1.39 1.36 1.36 - 1.38 1.48
Long-Term Debt to Equity
1.28 1.25 1.15 1.14 1.26 1.16 1.09 1.11 - 1.11 1.10
Financial Leverage
1.54 1.44 1.51 1.49 1.45 1.32 1.37 1.31 - 1.38 1.42
Leverage Ratio
14.61 14.39 14.23 14.11 14.06 13.85 13.45 12.89 - 13.09 12.96
Compound Leverage Factor
14.61 14.39 14.23 14.11 14.06 13.85 13.45 12.89 - 13.09 12.96
Debt to Total Capital
60.36% 55.47% 57.97% 55.78% 57.90% 58.19% 57.56% 57.71% - 57.91% 59.72%
Short-Term Debt to Total Capital
9.54% 0.00% 9.47% 5.32% 4.92% 9.81% 11.25% 10.85% - 11.13% 15.38%
Long-Term Debt to Total Capital
50.82% 55.47% 48.49% 50.47% 52.98% 48.38% 46.31% 46.86% - 46.78% 44.34%
Preferred Equity to Total Capital
6.72% 7.58% 7.05% 6.98% 7.04% 6.83% 6.78% 6.50% - 6.27% 5.14%
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
32.92% 36.95% 34.98% 37.24% 35.06% 34.99% 35.66% 35.79% - 35.82% 35.14%
Debt to EBITDA
8.96 8.03 9.70 9.39 9.40 12.23 10.76 9.65 - 6.82 6.96
Net Debt to EBITDA
5.98 4.18 5.96 5.03 4.34 5.80 4.99 4.86 - 3.80 4.59
Long-Term Debt to EBITDA
7.54 8.03 8.11 8.49 8.60 10.17 8.66 7.84 - 5.51 5.17
Debt to NOPAT
21.76 19.80 23.18 20.99 28.58 65.79 45.47 32.54 - 15.38 15.80
Net Debt to NOPAT
14.52 10.31 14.24 11.26 13.20 31.21 21.06 16.38 - 8.57 10.41
Long-Term Debt to NOPAT
18.32 19.80 19.39 18.99 26.15 54.70 36.58 26.42 - 12.43 11.73
Noncontrolling Interest Sharing Ratio
17.50% 17.19% 16.97% 16.87% 16.84% 16.67% 16.37% 15.58% - 15.58% 14.32%
Liquidity Ratios
- - - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - - -
Free Cash Flow to Firm (FCFF)
-1,536 4,802 3,209 2,385 1,408 -3,567 -975 -2,044 - -2,729 -3,771
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
-0.73 2.26 1.57 1.14 0.72 -1.86 -0.54 -1.13 - -1.53 -2.12
Operating Cash Flow to Interest Expense
-0.06 0.63 0.77 0.48 0.32 0.49 0.52 0.67 - 0.77 0.76
Operating Cash Flow Less CapEx to Interest Expense
-0.06 0.63 0.77 0.48 0.32 0.49 0.52 0.67 - 0.77 0.76
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
0.84 0.85 0.88 0.91 0.96 0.93 0.95 0.92 - 1.02 1.05
Capital & Investment Metrics
- - - - - - - - - - -
Invested Capital
34,570 30,668 32,952 33,303 33,023 34,036 34,279 35,745 - 37,084 38,460
Invested Capital Turnover
0.24 0.25 0.23 0.24 0.24 0.24 0.23 0.23 - 0.24 0.24
Increase / (Decrease) in Invested Capital
1,550 -4,645 -2,915 -2,028 -1,547 3,368 1,327 2,442 - 3,048 4,181
Enterprise Value (EV)
26,381 23,331 26,035 23,036 22,042 22,817 23,334 24,772 - 26,325 31,190
Market Capitalization
10,135 12,149 11,979 10,750 10,890 11,098 11,870 12,066 - 12,044 14,085
Book Value per Share
$37.73 $37.04 $37.92 $40.70 $38.00 $38.77 $39.79 $41.56 - $42.98 $44.09
Tangible Book Value per Share
$37.73 $37.04 $37.92 $40.70 $38.00 $38.77 $39.79 $41.56 - $42.98 $44.09
Total Capital
34,570 30,668 32,952 33,303 33,023 34,036 34,279 35,745 - 37,084 38,460
Total Debt
20,867 17,011 19,101 18,578 19,120 19,804 19,732 20,628 - 21,475 22,969
Total Long-Term Debt
17,570 17,011 15,979 16,807 17,495 16,465 15,876 16,749 - 17,349 17,053
Net Debt
13,922 8,858 11,732 9,962 8,828 9,395 9,140 10,382 - 11,957 15,129
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 0.00 0.00 1.00 26 0.00 0.00 - 0.00 0.00
Net Nonoperating Obligations (NNO)
20,867 17,011 19,101 18,578 19,120 19,804 19,732 20,628 - 21,475 22,969
Total Depreciation and Amortization (D&A)
304 322 294 314 269 361 329 338 - 378 378
Earnings Adjustments
- - - - - - - - - - -
Adjusted Basic Earnings per Share
($0.04) $0.42 $0.87 $1.07 ($0.54) ($0.82) $1.05 $1.19 $0.97 $0.94 $1.19
Adjusted Weighted Average Basic Shares Outstanding
303.75M 306.00M 306.77M 307.31M 306.91M 309.01M 309.90M 310.34M 310.02M 310.99M 308.36M
Adjusted Diluted Earnings per Share
($0.06) $0.42 $0.86 $1.06 ($0.54) ($0.82) $1.04 $1.18 $0.97 $0.93 $1.18
Adjusted Weighted Average Diluted Shares Outstanding
305.14M 308.42M 309.89M 311.04M 310.16M 309.01M 312.43M 313.82M 313.04M 313.22M 311.04M
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
303.96M 303.98M 304.67M 304.71M 307.11M 307.17M 307.81M 308.05M 309.09M 306.52M 304.20M
Normalized Net Operating Profit after Tax (NOPAT)
59 157 180 163 123 15 352 398 - 319 410
Normalized NOPAT Margin
2.82% 7.91% 9.00% 7.76% 5.86% 0.95% 16.91% 18.36% - 15.18% 17.94%
Pre Tax Income Margin
4.02% 8.61% 12.85% 11.08% 8.37% -18.43% 20.94% 23.66% - 19.03% 23.49%
Debt Service Ratios
- - - - - - - - - - -
EBIT to Interest Expense
0.04 0.08 0.13 0.11 0.09 -0.15 0.24 0.28 - 0.22 0.30
NOPAT to Interest Expense
0.01 0.07 0.14 0.17 -0.07 -0.10 0.19 0.22 - 0.18 0.23
EBIT Less CapEx to Interest Expense
0.04 0.08 0.13 0.11 0.09 -0.15 0.24 0.28 - 0.22 0.30
NOPAT Less CapEx to Interest Expense
0.01 0.07 0.14 0.17 -0.07 -0.10 0.19 0.22 - 0.18 0.23
Payout Ratios
- - - - - - - - - - -
Dividend Payout Ratio
49.95% 55.83% 58.20% 54.41% 72.16% 161.67% 112.24% 76.94% - 35.17% 33.77%
Augmented Payout Ratio
53.40% 59.91% 62.33% 58.37% 77.84% 176.00% 122.17% 83.73% - 47.49% 55.71%

Financials Breakdown Chart

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.

08/01/26 02:54 AM ETAI Generated. May Contain Errors.

Ally Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Ally Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

In the past 10 years, Ally Financial's net income has ranged from $668 million in 2024 to $3.06 billion in 2021, and is currently $852 million as of their latest financial filing in 2025. Check out Ally Financial's forecast to explore projected trends and price targets.

Over the last 10 years, Ally Financial's total revenue changed from $4.86 billion in 2015 to $7.91 billion in 2025, a change of 62.8%.

Ally Financial's total liabilities were at $180.50 billion at the end of 2025, a 1.4% increase from 2024, and a 24.4% increase since 2015.

In the past 10 years, Ally Financial's cash and equivalents has ranged from $405 million in 2025 to $2.15 billion in 2015, and is currently $405 million as of their latest financial filing in 2025.



Financial statements for NYSE:ALLY last updated on 7/23/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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