NYSE : ALLY
Ally Financial Inc. — Financial statements
Financials · Credit Services · United States
Last price 38.17 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 11.47B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 10.97B | 10.72B | 11.44B | 11.05B | 8.13B | 6.49B |
| Interest Income on Investments | 1.30B | 1.34B | 1.42B | 1.35B | 895.00M | 615.00M |
| Total Interest Income | 12.27B | 12.07B | 12.87B | 12.41B | 9.03B | 7.10B |
| Interest Paid on Deposits | 4.91B | 5.30B | 6.39B | 5.82B | 1.99B | 1.04B |
| Interest Paid on Borrowings | 1.22B | 1.11B | 1.08B | 1.08B | 870.00M | 869.00M |
| Total Interest Expense | 6.14B | 6.41B | 7.47B | 6.90B | 2.86B | 1.91B |
| Net Interest Income | 6.13B | 5.66B | 5.39B | 5.51B | 6.17B | 5.19B |
| Gain (Loss) on Sale of Investments | 110.00M | -361.00M | 72.00M | 144.00M | -252.00M | 427.00M |
| Gain (Loss) on Sale of Equity Investments | 47.00M | 81.00M | 20.00M | 4.00M | 102.00M | 132.00M |
| Other Non-Interest Income | 3.67B | 3.51B | 3.41B | 3.40B | 3.27B | 3.08B |
| Total Non-Interest Income | 3.78B | 3.19B | 3.52B | 3.56B | 3.17B | 3.73B |
| Revenues Before Loan Losses | 9.91B | 8.85B | 8.92B | 9.07B | 9.34B | 8.91B |
| Provision for Loan Losses | 1.91B | 1.48B | 2.17B | 1.97B | 1.40B | 241.00M |
| Revenue | 8.00B | 7.37B | 6.75B | 7.11B | 7.94B | 8.67B |
| Salaries and Employee Benefits | 1.74B | 1.73B | 1.71B | 1.77B | 1.80B | 1.50B |
| Occupancy Expenses | 1.07B | 937.00M | 736.00M | 840.00M | 914.00M | 570.00M |
| Selling, General & Administrative | 361.00M | 426.00M | 455.00M | 469.00M | 503.00M | 381.00M |
| Other Non-Interest Expense | 2.94B | 2.93B | 2.90B | 2.77B | 2.38B | 2.23B |
| Total Non-Interest Expense | 6.11B | 6.02B | 5.80B | 5.85B | 5.60B | 4.68B |
| EBT Excluding Unusual Items | 1.89B | 1.36B | 954.00M | 1.25B | 2.34B | 3.99B |
| Other Unusual Items | -136.00M | |||||
| Pretax Income | 1.89B | 1.05B | 836.00M | 1.10B | 2.34B | 3.85B |
| Income Tax Expense | 401.00M | 199.00M | 167.00M | 144.00M | 627.00M | 790.00M |
| Earnings From Continuing Operations | 1.49B | 852.00M | 669.00M | 959.00M | 1.72B | 3.06B |
| Earnings From Discontinued Operations | -1.00M | -2.00M | -1.00M | -5.00M | ||
| Net Income | 1.49B | 852.00M | 668.00M | 957.00M | 1.71B | 3.06B |
| Preferred Dividends & Other Adjustments | 130.00M | 110.00M | 110.00M | 110.00M | 110.00M | 57.00M |
| Net Income to Common | 1.36B | 742.00M | 558.00M | 847.00M | 1.60B | 3.00B |
| Basic Shares Outstanding | 308.80M | 310.01M | 306.91M | 303.75M | 316.69M | 362.58M |
| Diluted Shares Outstanding | 311.66M | 313.04M | 310.16M | 305.13M | 318.63M | 365.18M |
| EPS (Basic) | 4.40 | 2.39 | 1.82 | 2.79 | 5.06 | 8.28 |
| EPS (Diluted) | 4.36 | 2.37 | 1.80 | 2.77 | 5.04 | 8.23 |
| Dividend Per Share | 1.20 | 1.20 | 1.20 | 1.20 | 1.20 | 0.88 |
| Effective Tax Rate | 21.22% | 18.93% | 19.98% | 13.05% | 26.77% | 20.49% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 7.84B | 10.03B | 10.29B | 6.95B | 5.57B | 5.06B |
| Investment Securities | 27.21B | 8.79B | 8.38B | 8.55B | 8.08B | 8.81B |
| Trading Asset Securities | 23.00M | 7.00M | ||||
| Mortgage-Backed Securities | 22.35B | 22.10B | 23.97B | 25.53B | 29.16B | |
| Total Investments | 27.21B | 31.14B | 30.48B | 32.52B | 33.63B | 37.98B |
| Gross Loans | 147.96B | 137.45B | 136.03B | 139.44B | 135.75B | 122.27B |
| Allowance for Loan Losses | -3.68B | -3.49B | -3.71B | -3.59B | -3.71B | -3.27B |
| Net Loans | 144.28B | 133.96B | 132.32B | 135.85B | 132.04B | 119.00B |
| Property, Plant & Equipment | 8.29B | 10.03B | 9.34B | 10.46B | 11.83B | 12.19B |
| Goodwill | 190.00M | 551.00M | 669.00M | 822.00M | 822.00M | |
| Other Intangible Assets | 54.00M | 73.00M | 98.00M | 129.00M | ||
| Loans Held for Sale | 448.00M | 549.00M | 160.00M | 400.00M | 654.00M | 549.00M |
| Accrued Interest Receivable | 941.00M | 929.00M | 935.00M | 786.00M | 600.00M | |
| Other Receivables | 2.86B | 732.00M | 622.00M | 447.00M | 376.00M | 328.00M |
| Restricted Cash | 1.78B | 1.09B | 494.00M | 651.00M | 608.00M | |
| Other Current Assets | 644.00M | 594.00M | 2.56B | 553.00M | 549.00M | |
| Long-Term Deferred Tax Assets | 2.33B | 1.92B | 1.25B | 1.09B | 254.00M | |
| Other Long-Term Assets | 12.36B | 1.44B | 1.35B | 1.43B | 1.48B | 1.78B |
| Total Assets | 203.28B | 196.00B | 191.84B | 196.33B | 191.83B | 182.11B |
| Accounts Payable | 420.00M | 505.00M | 509.00M | 435.00M | 584.00M | |
| Accrued Expenses | 2.70B | 417.00M | 424.00M | 409.00M | 424.00M | 512.00M |
| Interest Bearing Deposits | 155.75B | 145.32B | 144.64B | 146.83B | 146.51B | 141.41B |
| Institutional Deposits | 6.20B | 6.80B | 7.70B | 5.60B | ||
| Non-Interest Bearing Deposits | 51.00M | 125.00M | 131.00M | 139.00M | 185.00M | 150.00M |
| Total Deposits | 155.80B | 151.65B | 151.57B | 154.67B | 152.30B | 141.56B |
| Short-Term Borrowings | 6.25B | 4.70B | 1.62B | 3.30B | 2.44B | 62.00M |
| Current Portion of Leases | 38.00M | |||||
| Accrued Interest Payable | 1.07B | 729.00M | 890.00M | 858.00M | 408.00M | 210.00M |
| Other Current Liabilities | 17.00M | |||||
| Long-Term Debt | 18.78B | 12.87B | 13.29B | 11.97B | 12.46B | 10.73B |
| Federal Home Loan Bank Debt, Long-Term | 4.20B | 4.20B | 5.60B | 5.30B | 6.30B | |
| Long-Term Leases | 86.00M | 111.00M | 113.00M | 137.00M | 175.00M | |
| Long-Term Unearned Revenue | 3.72B | 3.80B | 3.66B | 3.60B | 3.62B | 3.69B |
| Other Long-Term Liabilities | 1.60B | 1.65B | 1.59B | 1.44B | 1.24B | |
| Total Liabilities | 188.31B | 180.50B | 177.93B | 182.63B | 178.97B | 165.06B |
| Preferred Stock, Redeemable | 1.98B | 2.32B | 2.32B | 2.32B | 2.32B | 2.32B |
| Common Stock | 14.97B | 22.30B | 22.14B | 21.98B | 21.82B | 21.67B |
| Retained Earnings | 1.41B | 633.00M | 270.00M | 91.00M | -384.00M | -1.60B |
| Treasury Stock | -6.97B | -6.91B | -6.87B | -6.84B | -5.19B | |
| Comprehensive Income & Other | -3.38B | -2.79B | -3.92B | -3.82B | -4.06B | -158.00M |
| Total Common Equity | 12.99B | 13.17B | 11.58B | 11.38B | 10.54B | 14.73B |
| Shareholders' Equity | 14.97B | 15.50B | 13.90B | 13.70B | 12.86B | 17.05B |
| Total Liabilities & Equity | 203.28B | 196.00B | 191.84B | 196.33B | 191.83B | 182.11B |
| Total Debt | 25.03B | 21.89B | 19.23B | 20.98B | 20.34B | 17.27B |
| Net Cash (Debt) | -17.19B | -11.86B | -8.94B | -14.04B | -14.75B | -12.20B |
| Net Cash Per Share | -55.16 | -37.88 | -28.82 | -46.00 | -46.28 | -33.40 |
| Filing Date Shares Outstanding | 300.54M | 309.09M | 307.11M | 303.96M | 300.81M | 333.20M |
| Total Common Shares Outstanding | 300.54M | 308.49M | 305.39M | 302.46M | 299.32M | 337.94M |
| Book Value Per Share | 43.24 | 42.70 | 37.92 | 37.62 | 35.20 | 43.58 |
| Tangible Book Value | 12.99B | 12.98B | 10.97B | 10.64B | 9.62B | 13.78B |
| Tangible Book Value Per Share | 43.24 | 42.09 | 35.93 | 35.17 | 32.12 | 40.76 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 852.00M | 668.00M | 957.00M | 1.71B | 3.06B | |
| Depreciation & Amortization | 460.00M | 463.00M | 387.00M | 413.00M | 691.00M | |
| Other Amortization | 909.00M | 868.00M | 1.05B | 1.08B | 914.00M | |
| Gain (Loss) on Sale of Assets | 28.00M | -132.00M | -211.00M | -170.00M | -344.00M | |
| Gain (Loss) on Sale of Investments | 361.00M | -72.00M | -144.00M | 120.00M | -285.00M | |
| Total Asset Writedown | 305.00M | 118.00M | 149.00M | |||
| Provision for Credit Losses | 1.48B | 2.17B | 1.97B | 1.40B | 241.00M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 101.00M | 413.00M | 405.00M | -133.00M | -148.00M | |
| Change in Other Net Operating Assets | -104.00M | 464.00M | -358.00M | 1.12B | -52.00M | |
| Other Operating Activities | 136.00M | |||||
| Operating Cash Flow | 3.73B | 4.53B | 4.56B | 6.25B | 4.04B | |
| Capital Expenditures | -4.28B | -3.46B | -2.76B | -3.53B | -5.12B | |
| Sale of Property, Plant and Equipment | 2.58B | 3.81B | 3.23B | 3.02B | 3.44B | |
| Cash Acquisitions | -699.00M | |||||
| Investment in Securities | 577.00M | 2.19B | 1.94B | -1.19B | -4.79B | |
| Divestitures | 2.41B | 1.96B | ||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -5.96B | 1.11B | -9.02B | -15.04B | -3.48B | |
| Other Investing Activities | -600.00M | -608.00M | -579.00M | -531.00M | -443.00M | |
| Investing Cash Flow | -5.26B | 4.99B | -7.18B | -17.26B | -11.10B | |
| Short-Term Debt Issued | 3.07B | 898.00M | 2.40B | |||
| Long-Term Debt Issued | 4.67B | 4.34B | 5.71B | 7.12B | 3.00B | |
| Total Debt Issued | 7.74B | 4.34B | 6.60B | 9.52B | 3.00B | |
| Short-Term Debt Repaid | -1.67B | -2.14B | ||||
| Long-Term Debt Repaid | -5.18B | -4.48B | -4.59B | -6.51B | -9.17B | |
| Total Debt Repaid | -5.18B | -6.16B | -4.59B | -6.51B | -11.30B | |
| Net Debt Issued (Repaid) | 2.56B | -1.82B | 2.01B | 3.02B | -8.31B | |
| Repurchase of Common Stock | -59.00M | -38.00M | -33.00M | -1.65B | -1.99B | |
| Preferred Stock Issued | 2.32B | |||||
| Common Dividends Paid | -379.00M | -372.00M | -368.00M | -384.00M | -324.00M | |
| Preferred Dividends Paid | -110.00M | -110.00M | -110.00M | -110.00M | -57.00M | |
| Total Dividends Paid | -489.00M | -482.00M | -478.00M | -494.00M | -381.00M | |
| Net Increase (Decrease) in Deposit Accounts | -58.00M | -3.23B | 2.34B | 10.70B | 4.51B | |
| Financing Cash Flow | 1.96B | -5.57B | 3.84B | 11.57B | -3.85B | |
| Foreign Exchange Rate Adjustments | 8.00M | -12.00M | 3.00M | -7.00M | ||
| Net Cash Flow | 429.00M | 3.94B | 1.22B | 552.00M | -10.90B | |
| Free Cash Flow | -546.00M | 1.07B | 1.80B | 2.71B | -1.08B | |
| Free Cash Flow Margin | -7.40% | 15.82% | 25.30% | 34.18% | -12.43% | |
| Free Cash Flow Per Share | -1.74 | 3.44 | 5.89 | 8.52 | -2.95 | |
| Cash Interest Paid | 6.48B | 7.35B | 6.36B | 2.58B | 2.03B | |
| Cash Income Tax Paid | 359.00M | 135.00M | -27.00M | -425.00M | 1.29B |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 11.57B | 13.95B | 10.97B | 10.53B | 7.30B | 16.49B |
| Last Close Price | 38.17 | 44.36 | 34.14 | 32.10 | 21.51 | 40.50 |
| PE Ratio | 8.83 | 18.80 | 19.66 | 12.44 | 4.55 | 5.49 |
| PS Ratio | 1.44 | 1.89 | 1.62 | 1.48 | 0.92 | 1.90 |
| PB Ratio | 0.88 | 0.90 | 0.79 | 0.77 | 0.57 | 0.97 |
| P/FCF Ratio | 15.16 | 10.27 | 5.86 | 2.69 | ||
| P/OCF Ratio | 2.53 | 3.74 | 2.42 | 2.31 | 1.17 | 4.08 |
| Debt / Equity Ratio | 1.67 | 1.41 | 1.38 | 1.53 | 1.58 | 1.01 |
| Debt / FCF Ratio | 18.01 | 11.67 | 7.49 | |||
| Net Debt / Equity Ratio | 1.15 | 0.77 | 0.64 | 1.02 | 1.15 | 0.71 |
| Net Debt / FCF Ratio | -21.72 | 8.37 | 7.81 | 5.43 | -11.31 | |
| Return on Equity (ROE) | 9.90% | 5.80% | 4.85% | 7.22% | 11.47% | 19.30% |
| Return on Assets (ROA) | 0.75% | 0.44% | 0.34% | 0.49% | 0.92% | 1.68% |
| Earnings Yield | 11.33% | 6.11% | 6.09% | 9.09% | 23.47% | 18.55% |
| FCF Yield | 6.60% | -3.91% | 9.73% | 17.07% | 37.18% | -6.54% |
| Dividend Yield | 3.63% | 2.65% | 3.34% | 3.45% | 4.92% | 1.80% |
| Payout Ratio | 28.67% | 57.39% | 72.16% | 49.95% | 28.82% | 12.45% |
| Buyback Yield / Dilution | 0.20% | -0.93% | -1.65% | 4.23% | 12.75% | 3.16% |
| Total Shareholder Return | 3.85% | 1.72% | 1.69% | 7.68% | 17.67% | 4.96% |