Ally Finl Inc Financials

ALLY

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Ally Finl Inc (ALLY) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Neutral

5/9

Ally Finl Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

6.78x

For every $1 of reported earnings, Ally Finl Inc generates $6.78 in operating cash flow ($4.5B OCF vs $668.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$8.2B

YoY-0.6%

5Y CAGR+5.1%

10Y CAGR+5.8%

Ally Finl Inc generated $8.2B in revenue in fiscal year 2024. This represents a decrease of 0.6% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$668.0M

YoY-30.2%

5Y CAGR-17.2%

10Y CAGR-5.3%

Ally Finl Inc reported $668.0M in net income in fiscal year 2024. This represents a decrease of 30.2% from the prior year.

EPS (Diluted)

$1.80

YoY-35.0%

5Y CAGR-16.1%

10Y CAGR-0.2%

Ally Finl Inc earned $1.80 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 35.0% from the prior year.

Cash & Debt

$10.3B

YoY+48.2%

5Y CAGR+23.7%

10Y CAGR+6.3%

Ally Finl Inc held $10.3B in cash against $12.7B in long-term debt as of fiscal year 2024.

Dividends Per Share

$1.20

YoY+0.0%

5Y CAGR+12.0%

Ally Finl Inc paid $1.20 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.

Shares Outstanding

307M

YoY+1.5%

5Y CAGR-3.9%

10Y CAGR-4.4%

Ally Finl Inc had 307M shares outstanding in fiscal year 2024. This represents an increase of 1.5% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

8.2%

YoY-3.5pp

5Y CAGR-18.6pp

10Y CAGR-16.6pp

Ally Finl Inc's net profit margin was 8.2% in fiscal year 2024, showing the share of revenue converted to profit. This is down 3.5 percentage points from the prior year.

Return on Equity

4.8%

YoY-2.2pp

5Y CAGR-7.1pp

10Y CAGR-2.7pp

Ally Finl Inc's ROE was 4.8% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 2.2 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$38.0M

YoY+15.2%

5Y CAGR-48.4%

Ally Finl Inc spent $38.0M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 15.2% from the prior year.

Capital Expenditures

N/A

ALLY Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$8.2B-0.6%	$8.2B-2.3%	$8.4B+2.7%	$8.2B+22.7%	$6.7B+4.6%	$6.4B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$7.5B+8.3%	$6.9B+141.4%	$2.9B+49.3%	$1.9B-41.0%	$3.2B-23.6%	$4.2B
Income Tax	$167.0M+16.0%	$144.0M-77.0%	$627.0M-20.6%	$790.0M+140.9%	$328.0M+33.3%	$246.0M
Net Income	$668.0M-30.2%	$957.0M-44.2%	$1.7B-44.0%	$3.1B+182.0%	$1.1B-36.7%	$1.7B
EPS (Diluted)	$1.80-35.0%	$2.77-44.9%	$5.03-38.8%	$8.22+185.4%	$2.88-33.6%	$4.34

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q4'23	Q3'24	Q2'24	Q1'24
Revenue	$2.2B+4.1%	$2.1B+35.1%	$1.5B-23.9%	$2.0B-2.9%	$2.1B+6.0%	$2.0B-5.3%	$2.1B-1.0%	$2.1B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.6B-0.9%	$1.6B-4.9%	$1.7B-6.9%	$1.8B-5.7%	$1.9B+3.1%	$1.9B+10.1%	$1.7B+15.3%	$1.5B
Income Tax	$115.0M+36.9%	$84.0M+242.4%	-$59.0M	$0-100.0%	$10.0M+119.6%	-$51.0M-153.1%	$96.0M+7.9%	$89.0M
Net Income	$398.0M+13.1%	$352.0M+256.4%	-$225.0M-308.3%	$108.0M+74.2%	$62.0M-78.2%	$285.0M-8.4%	$311.0M+4.0%	$299.0M
EPS (Diluted)	$1.18+13.5%	$1.04+226.8%	$-0.82-415.4%	$0.26+136.4%	$0.11-86.9%	$0.84-9.7%	$0.93+4.5%	$0.89

ALLY Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$191.8B-2.3%	$196.3B+2.3%	$191.8B+5.3%	$182.1B0.0%	$182.2B+0.8%	$180.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$10.3B+48.2%	$6.9B+24.7%	$5.6B+10.1%	$5.1B-67.6%	$15.6B+339.4%	$3.6B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$551.0M-17.6%	$669.0M-18.6%	$822.0M0.0%	$822.0M+139.7%	$343.0M-12.7%	$393.0M
Total Liabilities	$177.9B-2.6%	$182.6B+2.0%	$179.0B+8.4%	$165.1B-1.4%	$167.5B+0.7%	$166.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$12.7B-4.2%	$13.2B-0.9%	$13.3B+19.6%	$11.2B-34.0%	$16.9B-31.8%	$24.8B
Total Equity	$13.9B+1.5%	$13.7B+6.6%	$12.9B-24.6%	$17.1B+16.0%	$14.7B+2.0%	$14.4B
Retained Earnings	$270.0M+196.7%	$91.0M+123.7%	-$384.0M+76.0%	-$1.6B+62.6%	-$4.3B-5.4%	-$4.1B

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q4'23	Q3'24	Q2'24	Q1'24
Total Assets	$191.7B+1.2%	$189.5B-2.0%	$193.3B+0.8%	$191.8B-2.3%	$196.3B+0.3%	$195.7B-0.8%	$197.2B+0.5%	$196.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$10.2B-3.3%	$10.6B+1.8%	$10.4B+1.1%	$10.3B+48.2%	$6.9B-18.4%	$8.5B-14.6%	$10.0B+2.0%	$9.8B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$190.0M0.0%	$190.0M0.0%	$190.0M-65.5%	$551.0M-17.6%	$669.0M-18.6%	$822.0M0.0%	$822.0M0.0%	$822.0M
Total Liabilities	$176.6B+1.0%	$174.9B-2.3%	$179.1B+0.7%	$177.9B-2.6%	$182.6B-0.1%	$182.9B-0.5%	$183.7B+0.5%	$182.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$13.2B+7.1%	$12.4B+2.7%	$12.0B-5.0%	$12.7B-4.2%	$13.2B-6.3%	$14.1B-5.7%	$15.0B-3.7%	$15.6B
Total Equity	$15.1B+3.9%	$14.5B+2.2%	$14.2B+2.4%	$13.9B+1.5%	$13.7B+6.8%	$12.8B-5.2%	$13.5B+1.2%	$13.4B
Retained Earnings	$427.0M+182.8%	$151.0M+293.6%	-$78.0M-128.9%	$270.0M+196.7%	$91.0M-38.5%	$148.0M+1086.7%	-$15.0M+92.7%	-$205.0M

ALLY Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$4.5B-0.6%	$4.6B-27.1%	$6.2B+54.6%	$4.0B+8.1%	$3.7B-7.7%	$4.0B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$5.0B+169.5%	-$7.2B+58.4%	-$17.3B-55.6%	-$11.1B-231.7%	$8.4B+323.6%	-$3.8B
Financing Cash Flow	-$5.6B-245.0%	$3.8B-66.8%	$11.6B+400.8%	-$3.8B-15492.0%	$25.0M+101.6%	-$1.5B
Dividends Paid	$372.0M+1.1%	$368.0M-4.2%	$384.0M+18.5%	$324.0M+12.1%	$289.0M+5.9%	$273.0M
Share Buybacks	$38.0M+15.2%	$33.0M-98.0%	$1.6B-17.3%	$2.0B+1781.1%	$106.0M-89.8%	$1.0B

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q4'23	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$1.2B+26.9%	$947.0M+0.7%	$940.0M-1.2%	$951.0M+1928.8%	-$52.0M-103.2%	$1.6B+4.6%	$1.6B+10.5%	$1.4B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$2.4B-181.8%	$2.9B+316.9%	-$1.3B-211.2%	$1.2B+139.7%	-$3.0B-77.8%	-$1.7B+17.5%	-$2.1B-470.8%	-$363.0M
Financing Cash Flow	$1.3B+133.9%	-$3.8B-961.9%	$438.0M+708.3%	-$72.0M-105.1%	$1.4B+197.6%	-$1.4B-362.2%	$550.0M-83.4%	$3.3B
Dividends Paid	$93.0M+1.1%	$92.0M-8.0%	$100.0M+8.7%	$92.0M+1.1%	$91.0M+1.1%	$90.0M-1.1%	$91.0M-5.2%	$96.0M
Share Buybacks	$1.0M0.0%	$1.0M-97.1%	$34.0M+385.7%	$7.0M+75.0%	$4.0M	$0-100.0%	$2.0M-92.6%	$27.0M

ALLY Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	8.2%-3.5pp	11.6%-8.7pp	20.3%-17.0pp	37.3%+21.1pp	16.2%-10.6pp	26.8%
Return on Equity	4.8%-2.2pp	7.0%-6.3pp	13.3%-4.6pp	17.9%+10.6pp	7.4%-4.5pp	11.9%
Return on Assets	0.4%-0.1pp	0.5%-0.4pp	0.9%-0.8pp	1.7%+1.1pp	0.6%-0.3pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.91-0.1	0.97-0.1	1.04+0.4	0.65-0.5	1.15-0.6	1.72
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q4'23	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.4%+1.5pp	16.9%+31.5pp	-14.6%-19.9pp	5.3%+2.4pp	3.0%-11.5pp	14.5%-0.5pp	15.0%+0.7pp	14.2%
Return on Equity	2.6%+0.2pp	2.4%+1.4pp	1.1%+0.3pp	0.8%+0.3pp	0.4%-1.8pp	2.2%-0.1pp	2.3%+0.1pp	2.2%
Return on Assets	0.2%+0.0pp	0.2%+0.3pp	-0.1%-0.2pp	0.1%+0.0pp	0.0%-0.1pp	0.1%-0.0pp	0.2%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.88+0.0	0.850.0	0.85-0.1	0.91-0.1	0.97-0.1	1.100.0	1.11-0.1	1.16
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Ally Finl Inc's annual revenue?

Ally Finl Inc (ALLY) reported $8.2B in total revenue for fiscal year 2024. This represents a -0.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Ally Finl Inc's revenue growing?

Ally Finl Inc (ALLY) revenue declined by 0.6% year-over-year, from $8.2B to $8.2B in fiscal year 2024.

Is Ally Finl Inc profitable?

Yes, Ally Finl Inc (ALLY) reported a net income of $668.0M in fiscal year 2024, with a net profit margin of 8.2%.

What is Ally Finl Inc's earnings per share (EPS)?

Ally Finl Inc (ALLY) reported diluted earnings per share of $1.80 for fiscal year 2024. This represents a -35.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does Ally Finl Inc have?

As of fiscal year 2024, Ally Finl Inc (ALLY) had $10.3B in cash and equivalents against $12.7B in long-term debt.

What is Ally Finl Inc's net profit margin?

Ally Finl Inc (ALLY) had a net profit margin of 8.2% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Ally Finl Inc pay dividends?

Yes, Ally Finl Inc (ALLY) paid $1.20 per share in dividends during fiscal year 2024.

What is Ally Finl Inc's return on equity (ROE)?

Ally Finl Inc (ALLY) has a return on equity of 4.8% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Ally Finl Inc's operating cash flow?

Ally Finl Inc (ALLY) generated $4.5B in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Ally Finl Inc's total assets?

Ally Finl Inc (ALLY) had $191.8B in total assets as of fiscal year 2024, including both current and long-term assets.

Does Ally Finl Inc buy back shares?

Yes, Ally Finl Inc (ALLY) spent $38.0M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Ally Finl Inc have outstanding?

Ally Finl Inc (ALLY) had 307M shares outstanding as of fiscal year 2024.

What is Ally Finl Inc's debt-to-equity ratio?

Ally Finl Inc (ALLY) had a debt-to-equity ratio of 0.91 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Ally Finl Inc's return on assets (ROA)?

Ally Finl Inc (ALLY) had a return on assets of 0.4% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Ally Finl Inc's Piotroski F-Score?

Ally Finl Inc (ALLY) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Ally Finl Inc's earnings high quality?

Ally Finl Inc (ALLY) has an earnings quality ratio of 6.78x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.