Ally Financial Inc.

Ally Financial Inc.

34.69
EUR
+0.41
(+1.20%)
4.06EPS
10.85P/E
12.37BMarket Cap
Jan 15Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
13.14
14.69
15.36
14.94
15.42
15.96
18.6
19.91
24.22
29.18
29.86
28.99
28.29
30.99
Basic EPS, GAAP
-0.94
1.83
-2.65
2.16
2.05
2.97
4.36
2.89
8.28
5.06
2.79
1.82
2.39
4.28
Free Cash Flow per Basic Share
-13.95
-13.47
0.88
2.69
0.06
1.04
0.07
-1.55
-2.97
8.57
5.92
3.48
-1.76
2.45
Dividend per Share
1.69
0.56
5.32
0.22
0.41
0.57
0.69
0.77
1.05
1.56
1.57
1.57
1.58
1.58
Book Value per Share
27
29.46
26.44
28.52
30.87
32.77
38.51
39.24
43.58
35.2
37.62
37.94
42.7
44.38
Tangible Book Value per Share
27
29.46
26.38
28
30.33
32.03
37.28
38.19
40.76
32.12
35.17
35.95
42.09
43.75
Basic Weighted Avg Shares
480
481
483
481
454
425
393
376
363
317
304
307
310
311
Sales/Revenue/Turnover
6,302
7,068
7,415
7,188
6,995
6,784
7,315
7,478
8,780
9,240
9,070
8,897
8,770
9,629
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2,864
2,936
2,801
2,382
1,859
1,649
1,555
1,550
1,261
1,327
1,227
1,199
1,397
1,463
Net Income, GAAP
361
1,150
1,289
1,067
929
1,263
1,715
1,085
3,060
1,714
957
668
852
1,454
Effective Tax Rate (%)
- -
25.76
35.61
29.73
38.55
22.13
12.51
23.2
20.49
26.77
13.06
19.98
18.93
20.81
Profit Margin (%)
5.73
16.27
17.38
14.84
13.28
18.62
23.44
14.51
34.85
18.55
10.55
7.51
9.71
15.1
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
69,465
66,380
66,234
54,128
44,226
44,383
34,223
22,193
17,204
17,899
17,683
17,606
17,194
17,167
Total Equity
14,208
15,399
13,439
13,317
13,494
13,268
14,416
14,703
17,050
12,859
13,703
13,903
15,498
15,491
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
1.29
1.47
1.29
1.26
1.87
2.83
2.33
8.35
5.12
2.87
1.99
2.44
4.08
Return on Common Equity (%)
-3.47
6.51
-9.54
7.96
6.93
9.44
12.39
7.45
20.41
12.7
7.73
4.86
6
10.33

Capital Structure

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
4,150
3,600
5,175
LT Borrowings
17,070
17,349
17,053
LT Finance Leases
124
121
114
Preferred Equity and Hybrid Capital
2,324
2,324
1,976
Shares Outstanding
308
307
305
Market Capitalization
14,006
12,032
14,133

Working Capital

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
29,303
29,056
27,493
Accounts Receivable, Net
941
930
950
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1,149
1,396
1,462
ST Debt
4,150
3,600
5,175
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.03%
2.17%
11.47%
Free Cash Flow
-119.86%
-98.36%
-151.12%
Net Income, GAAP
9.61%
18.24%
27.54%
Sales/Revenue/Turnover
1.88%
3.49%
-1.43%
Total Cash Common Dividend
- -
5.89%
1.88%

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,198
2,165
2,294
2,240
8,897
2025
1,755
2,283
2,370
2,362
8,770
2026
2,353
2,544
- -
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.38
0.62
0.56
-0.54
1.82
2025
-0.82
1.05
1.2
0.97
2.39
2026
0.93
1.19
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.41
0.39
0.39
0.39
1.57
2025
0.41
0.39
0.39
0.39
1.58
2026
0.42
0.39
- -
- -
- -

Company Description

CEO
Michael George Rhodes
Full Time Employees
10,300
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Ally Detroit Center Detroit MI United States 48226
IPO Date
Apr 10, 2014
Website
ally.com
Business
Ally Financial Inc. (NYSE: ALLY) is a leading digital financial services company and top 25 U.S. financial holding company that serves approximately 11 million customers through a broad range of online offerings; these include deposits, mortgages, industry-leading auto financing and insurance, credit cards, securities brokerage and investment advisory services via Ally Invest, and corporate finance solutions for equity sponsors and middle-market companies. Ally Dealer Financial Services provides financing, leasing, commercial insurance and vehicle protection products to dealers and consumers, supporting 22,000 dealers, 3.8 million consumer auto customers and 2.45 million insurance customers with $9.4 billion in recent origination volume; Ally Bank offers spending and savings accounts, CDs and IRAs to over 3 million deposit customers holding $152 billion in total deposits; Ally Home delivers fixed-rate and adjustable-rate mortgage products for purchases and refinancing; Ally Credit Card features Platinum, Everyday Cash Back, Unlimited Cash Back and affinity cards for nurses and educators, with 1.3 million active cardholders and $2.2 billion in outstanding balances; and Ally Corporate Finance extends cash flow, real estate, asset-based, project finance and lender finance facilities, including portfolio warehousing and securitization, across a diverse portfolio of over 100 relationships with loans ranging from $15 million to $250 million, all in first-lien floating-rate positions. Founded in 1919 as General Motors Acceptance Corporation (GMAC) and rebranded as Ally Financial in 2010 following its initial public offering in 2014, the company maintains its headquarters at Ally Detroit Center in Detroit, Michigan, with Ally Bank headquartered in Sandy, Utah, a corporate center in Charlotte, North Carolina, and additional offices across major U.S. cities including Atlanta, Chicago, Dallas, Los Angeles, New York and San Francisco; it employs approximately 10,000 people and operates primarily in the United States with historic presence in Canada and Bermuda. Recent developments include the sale of its credit card business, encompassing $2.3 billion in receivables and 1.3 million active cardholders, to CardWorks Inc. and its Merrick Bank subsidiary announced in January 2025; the prior divestiture of its Ally Lending point-of-sale financing unit to Synchrony Financial in March 2024, which covered $2.2 billion in home improvement and health wellness loan receivables; and the 2021 acquisition of Fair Square Financial, rebranded and integrated as Ally Credit Card by 2023 ahead of its subsequent sale.

Company News

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  • Ally Financial to present at the BancAnalysts Association of Boston Conference

  • Ally Charitable Foundation Invests in Economic Mobility Across Detroit and Charlotte

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  • Ally Financial Inc. (NYSE:ALLY) Stock Now Rated “Moderate Buy” by Sell-Side Analysts