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

Ally Financial Inc. (ALLY) reported diluted earnings per share of $2.37 for fiscal year 2025. This represents a 31.7% 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.

Ally Financial Inc. (ALLY) Financials

ALLY

Trailing 12 months to June 30, 2026

Revenue $8.7B +11.5% YoY

Net Income $1.5B +235.8% YoY

EPS (Diluted) $4.25 +312.6% YoY

Operating Cash Flow $4.6B +23.6% YoY

Market Cap $11.4B as of Oct 10, 2026

Price / Sales 1.3x on $8.7B revenue, trailing 12 months to June 30, 2026

Price / Earnings 7.9x on $1.5B net income, trailing 12 months to June 30, 2026

Price / Book 0.7x on $15.5B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 23, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 23, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ALLY SEC filings page.

Ally Financial Inc. (ALLY) reported $8.7B in revenue over the twelve months to Jun 30, 2026, up 11.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI ALLY FY2025 2026-10-03

Ally is a balance-sheet-funded financial business: large obligations support its assets, while modest asset returns leave earnings tied to financing costs.

The key disconnect is that FY2025 net income recovered to $852M from $668M while operating cash flow fell to $3.7B from $4.5B. Accounting earnings improved without a matching cash-flow improvement, so the rebound does not represent uniform improvement across the business.

With $196.0B of assets and $180.5B of liabilities, Ally is funded predominantly by obligations rather than shareholder capital. Equity was $15.5B, while return on assets was only 0.4% in FY2025 versus 1.7% in FY2021, showing that balance-sheet scale has not produced comparable asset productivity.

FY2025 earnings improved as interest expense dropped from $7.5B to $6.4B, even though revenue declined from $8.2B to $7.9B. Financing-cost movement, rather than top-line expansion, therefore appears to have been a major contributor to the latest profit recovery.

Financial Health Signals

Financial health score not available

Ally Financial Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/7

Ally Financial Inc. passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

4.38x

For every $1 of reported earnings, Ally Financial Inc. generates $4.38 in operating cash flow ($3.7B OCF vs $852.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.3B

YoY+9.8%

QoQ+8.8%

5Y CAGR+1.9%

10Y CAGR+5.3%

Ally Financial Inc. generated $2.3B in revenue in Q2 2026. This represents an increase of 9.8% from the same quarter a year earlier. Against the prior quarter it is up 8.8%.

Net Income

$410.0M

YoY+16.5%

QoQ+28.5%

5Y CAGR-14.6%

10Y CAGR+1.3%

Ally Financial Inc. reported $410.0M in net income in Q2 2026. This represents an increase of 16.5% from the same quarter a year earlier. Against the prior quarter it is up 28.5%.

EPS (Diluted)

$1.18

YoY+13.5%

QoQ+26.9%

5Y CAGR-13.3%

10Y CAGR+5.2%

Ally Financial Inc. earned $1.18 per diluted share (EPS) in Q2 2026. This represents an increase of 13.5% from the same quarter a year earlier. Against the prior quarter it is up 26.9%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$7.8B

YoY-26.0%

QoQ-17.6%

5Y CAGR-10.5%

10Y CAGR+3.2%

Ally Financial Inc. held $7.8B in cash against $13.9B in long-term debt as of Q2 2026.

Dividends Per Share

$0.30

YoY0.0%

QoQ0.0%

5Y CAGR+9.6%

Ally Financial Inc. paid $0.30 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

304M

YoY-1.2%

QoQ-0.8%

5Y CAGR-3.3%

10Y CAGR-4.5%

Ally Financial Inc. had 304M shares outstanding in Q2 2026. This represents a decrease of 1.2% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

17.9%

YoY+1.0pp

QoQ+2.8pp

5Y change-25.2pp

10Y change-8.6pp

Ally Financial Inc.'s net profit margin was 17.9% in Q2 2026, showing the share of revenue converted to profit. This is up 1.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.8 percentage points.

Return on Equity

2.6%

YoY+0.2pp

QoQ+0.6pp

5Y change-2.5pp

10Y change0.0pp

Ally Financial Inc.'s ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$148.0M

YoY+14700.0%

QoQ+0.7%

5Y CAGR-21.7%

Ally Financial Inc. spent $148.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 14700.0% from the same quarter a year earlier. Against the prior quarter it is up 0.7%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

ALLY Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ALLY quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$8.7B	$7.9B-3.3%	$8.2B-0.6%	$8.2B-2.3%	$8.4B+2.7%	$8.2B+22.7%	$6.7B+4.6%	$6.4B+10.2%	$5.8B+0.7%	$5.8B+6.0%	$5.4B+11.8%	$4.9B+4.5%	$4.7B+9.1%	$4.3B-4.5%	$4.5B+30.9%	$3.4B
SG&A Expenses	$1.9B	$1.9B+0.8%	$1.8B-3.1%	$1.9B+0.1%	$1.9B+15.6%	$1.6B+19.4%	$1.4B+12.6%	$1.2B+5.8%	$1.2B+5.5%	$1.1B+10.4%	$992.0M+3.0%	$963.0M+1.7%	$947.0M-7.1%	$1.0B-7.9%	$1.1B+11.4%	$993.0M
Interest Expense	$6.2B	$6.4B-14.2%	$7.5B+8.3%	$6.9B+141.4%	$2.9B+49.3%	$1.9B-41.0%	$3.2B-23.6%	$4.2B+16.7%	$3.6B+27.3%	$2.9B+8.7%	$2.6B+8.2%	$2.4B-12.7%	$2.8B-16.1%	$3.3B-18.1%	$4.1B-12.0%	$4.6B
Income Tax	$382.0M	$199.0M+19.2%	$167.0M+16.0%	$144.0M-77.0%	$627.0M-20.6%	$790.0M+140.9%	$328.0M+33.3%	$246.0M-31.5%	$359.0M-38.2%	$581.0M+23.6%	$470.0M-5.2%	$496.0M+54.5%	$321.0M+644.1%	-$59.0M+93.1%	-$856.0M-2138.1%	$42.0M
Net Income	$1.5B	$852.0M+27.5%	$668.0M-30.2%	$957.0M-44.2%	$1.7B-44.0%	$3.1B+182.0%	$1.1B-36.7%	$1.7B+35.8%	$1.3B+36.0%	$929.0M-12.9%	$1.1B-17.2%	$1.3B+12.1%	$1.1B+218.6%	$361.0M-69.8%	$1.2B+861.8%	-$157.0M
EPS (Basic)	N/A	$2.39+31.3%	$1.82-34.8%	$2.79-44.9%	$5.06-38.9%	$8.28+186.5%	$2.89-33.7%	$4.36+46.8%	$2.97+44.9%	$2.05-4.7%	$2.15+180.8%	-$2.66-245.4%	$1.83+211.6%	-$1.64-270.8%	$0.96+238.9%	-$0.69
EPS (Diluted)	$4.25	$2.37+31.7%	$1.80-35.0%	$2.77-44.9%	$5.03-38.8%	$8.22+185.4%	$2.88-33.6%	$4.34+47.1%	$2.95+44.6%	$2.04-5.1%	$2.15+180.8%	-$2.66-245.4%	$1.83	-$1.64-270.8%	$0.96	-$691.00
Diluted Shares (Avg)	N/A	313M+0.9%	310M+1.6%	305M-4.2%	319M-12.7%	365M-3.2%	377M-4.6%	395M-7.5%	428M-6.1%	455M-5.6%	482M-0.1%	483M+100094.8%	481,934	420M+1.8%	413M	1M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$2.3B+9.8%	$2.1B+36.4%	$2.1B+4.8%	$2.2B+1.5%	$2.1B+3.0%	$1.5B-22.9%	$2.0B-2.9%	$2.1B+8.5%
SG&A Expenses	$458.0M+6.5%	$491.0M-2.8%	$475.0M+6.5%	$447.0M+2.8%	$430.0M-2.7%	$505.0M-2.7%	$446.0M-1.5%	$435.0M-6.0%
Interest Expense	$1.5B-5.1%	$1.5B-9.4%	$1.6B-13.2%	$1.6B-16.3%	$1.6B-14.6%	$1.7B-12.9%	$1.8B-5.7%	$1.9B+1.9%
Income Tax	$127.0M+51.2%	$81.0M+237.3%	$59.0M	$115.0M+71.6%	$84.0M+40.0%	-$59.0M-247.5%	$0-100.0%	$67.0M+231.4%
Net Income	$410.0M+16.5%	$319.0M+241.8%	$327.0M+202.8%	$398.0M+101.0%	$352.0M+60.7%	-$225.0M-257.3%	$108.0M+74.2%	$198.0M-30.5%
EPS (Basic)	$1.19+13.3%	$0.94+214.6%	$0.96+269.2%	$1.19+116.4%	$1.05+66.7%	-$0.82-315.8%	$0.26+136.4%	$0.55-35.3%
EPS (Diluted)	$1.18+13.5%	$0.93+213.4%	$0.96+269.2%	$1.18+114.5%	$1.04+67.7%	-$0.82-321.6%	$0.26+136.4%	$0.55-34.5%
Diluted Shares (Avg)	311M-0.4%	313M+1.4%	N/A	314M+0.9%	312M+0.8%	309M+0.2%	N/A	311M+1.8%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

ALLY Balance Sheet

ALLY quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$196.0B+2.2%	$191.8B-2.3%	$196.3B+2.3%	$191.8B+5.3%	$182.1B0.0%	$182.2B+0.8%	$180.6B+1.0%	$178.9B+7.0%	$167.1B+2.1%	$163.7B+3.2%	$158.6B+4.6%	$151.6B+0.5%	$150.9B-17.2%	$182.3B-0.9%	$184.1B
Cash & Equivalents	$10.0B-2.5%	$10.3B+48.2%	$6.9B+24.7%	$5.6B+10.1%	$5.1B-67.6%	$15.6B+339.4%	$3.6B-21.6%	$4.5B+6.7%	$4.3B-28.3%	$5.9B-7.0%	$6.4B+14.4%	$5.6B+0.8%	$5.5B-26.4%	$7.5B-42.4%	$13.0B
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$190.0M-65.5%	$551.0M-17.6%	$669.0M-18.6%	$822.0M0.0%	$822.0M+139.7%	$343.0M-12.7%	$393.0M+63.7%	$240.0M0.0%	$240.0M0.0%	$240.0M+788.9%	$27.0M	N/A	N/A	$27.0M-94.8%	$518.0M
Total Liabilities	$180.5B+1.4%	$177.9B-2.6%	$182.6B+2.0%	$179.0B+8.4%	$165.1B-1.4%	$167.5B+0.7%	$166.2B+0.4%	$165.6B+7.8%	$153.7B+2.2%	$150.4B+3.6%	$145.1B+6.5%	$136.2B-0.5%	$137.0B-15.7%	$162.4B-1.4%	$164.8B
Long-Term Debt	$14.4B+13.7%	$12.7B-4.2%	$13.2B-0.9%	$13.3B+19.6%	$11.2B-34.0%	$16.9B-31.8%	$24.8B-29.6%	$35.2B+6.1%	$33.2B-15.5%	$39.3B-28.2%	$54.6B+12.6%	$48.5B-6.4%	$51.8B-14.9%	$60.9B-7.1%	$65.6B
Total Equity	$15.5B+11.5%	$13.9B+1.5%	$13.7B+6.6%	$12.9B-24.6%	$17.1B+16.0%	$14.7B+2.0%	$14.4B+8.7%	$13.3B-1.7%	$13.5B+1.3%	$13.3B-0.9%	$13.4B-12.7%	$15.4B+8.4%	$14.2B-28.6%	$19.9B+3.2%	$19.3B
Retained Earnings	$633.0M+134.4%	$270.0M+196.7%	$91.0M+123.7%	-$384.0M+76.0%	-$1.6B+62.6%	-$4.3B-5.4%	-$4.1B+26.1%	-$5.5B+14.3%	-$6.4B+10.4%	-$7.2B+11.8%	-$8.1B-18.8%	-$6.8B+11.4%	-$7.7B-9.8%	-$7.0B+5.3%	-$7.4B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$199.8B+5.4%	$197.3B+2.0%	$196.0B+2.2%	$191.7B-0.5%	$189.5B-1.5%	$193.3B+0.3%	$191.8B-2.3%	$192.7B-1.6%
Cash & Equivalents	$7.8B-26.0%	$9.5B-8.6%	$10.0B-2.5%	$10.2B+18.9%	$10.6B+43.7%	$10.4B+27.7%	$10.3B+48.2%	$8.6B+1.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$190.0M0.0%	$190.0M0.0%	$190.0M-65.5%	$190.0M-71.6%	$190.0M-71.6%	$190.0M-71.6%	$551.0M-17.6%	$669.0M-18.6%
Total Liabilities	$184.3B+5.3%	$181.7B+1.4%	$180.5B+1.4%	$176.6B-0.9%	$174.9B-2.1%	$179.1B-0.1%	$177.9B-2.6%	$178.3B-2.5%
Long-Term Debt	$13.9B+12.5%	$14.9B+23.9%	$14.4B+13.7%	$13.2B+1.3%	$12.4B+7.8%	$12.0B-3.2%	$12.7B-4.2%	$13.1B-7.5%
Total Equity	$15.5B+6.5%	$15.6B+9.7%	$15.5B+11.5%	$15.1B+4.9%	$14.5B+6.2%	$14.2B+4.8%	$13.9B+1.5%	$14.4B+12.4%
Retained Earnings	$1.1B+629.1%	$827.0M+1160.3%	$633.0M+134.4%	$427.0M+50.4%	$151.0M-27.4%	-$78.0M-170.3%	$270.0M+196.7%	$284.0M+91.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

ALLY Cash Flow Statement

ALLY quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$4.6B	$3.7B-17.6%	$4.5B-0.6%	$4.6B-27.1%	$6.2B+54.6%	$4.0B+8.1%	$3.7B-7.7%	$4.0B-2.4%	$4.2B+1.7%	$4.1B-10.7%	$4.6B-10.6%	$5.1B+50.2%	$3.4B+36.1%	$2.5B-50.5%	$5.0B-8.1%	$5.5B
Depreciation & Amortization	N/A	$1.4B+16.5%	$1.2B-2.3%	$1.2B-7.5%	$1.3B+5.2%	$1.3B-18.6%	$1.6B-0.3%	$1.6B-5.7%	$1.6B-11.3%	$1.9B-22.0%	$2.4B-15.0%	$2.8B-4.6%	$2.9B+2.5%	$2.9B+20.3%	$2.4B-12.2%	$2.7B
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	N/A	$80.0M+19.4%	$67.0M-6.9%	$72.0M+20.0%	$60.0M	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$14.5B	-$5.3B-205.5%	$5.0B+169.5%	-$7.2B+58.4%	-$17.3B-55.6%	-$11.1B-231.7%	$8.4B+323.6%	-$3.8B+74.0%	-$14.5B-66.3%	-$8.7B+3.8%	-$9.1B+9.3%	-$10.0B-211.4%	-$3.2B+9.3%	-$3.5B+78.6%	-$16.6B-17.2%	-$14.1B
Financing Cash Flow	$8.0B	$2.0B+135.1%	-$5.6B-245.0%	$3.8B-66.8%	$11.6B+400.8%	-$3.8B-15492.0%	$25.0M+101.6%	-$1.5B-114.3%	$10.7B+427.3%	$2.0B-44.6%	$3.7B-32.6%	$5.4B+3854.5%	-$145.0M+95.3%	-$3.1B-138.3%	$8.0B-20.0%	$10.1B
Dividends Paid	$381.0M	$379.0M+1.9%	$372.0M+1.1%	$368.0M-4.2%	$384.0M+18.5%	$324.0M+12.1%	$289.0M+5.9%	$273.0M+12.8%	$242.0M+31.5%	$184.0M+70.4%	$108.0M-95.8%	$2.6B+859.3%	$268.0M-66.9%	$810.0M+1.0%	$802.0M-2.1%	$819.0M
Share Buybacks	$319.0M	$59.0M+55.3%	$38.0M+15.2%	$33.0M-98.0%	$1.6B-17.3%	$2.0B+1781.1%	$106.0M-89.8%	$1.0B+10.6%	$939.0M+24.7%	$753.0M+120.8%	$341.0M+2031.3%	$16.0M	$0	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$1.4B+42.9%	$1.4B+45.9%	$640.0M-32.7%	$1.2B+40.3%	$947.0M-34.9%	$940.0M-25.8%	$951.0M+1928.8%	$857.0M-47.6%
Depreciation & Amortization	$378.0M+14.9%	$378.0M+4.7%	$369.0M+10.1%	$338.0M+19.9%	$329.0M+21.0%	$361.0M+16.5%	$335.0M+6.3%	$282.0M-7.2%
Investing Cash Flow	-$4.6B-258.0%	-$3.0B-126.9%	-$4.5B-469.1%	-$2.4B-299.2%	$2.9B+395.0%	-$1.3B-137.5%	$1.2B+139.7%	$1.2B+169.9%
Financing Cash Flow	$1.6B+143.5%	$1.1B+150.0%	$4.0B+5673.6%	$1.3B+246.5%	-$3.8B-284.4%	$438.0M+112.0%	-$72.0M-105.1%	-$874.0M+39.4%
Dividends Paid	$92.0M0.0%	$102.0M+2.0%	$94.0M+2.2%	$93.0M+1.1%	$92.0M+1.1%	$100.0M+3.1%	$92.0M+1.1%	$92.0M+2.2%
Share Buybacks	$148.0M+14700.0%	$147.0M+332.4%	$23.0M+228.6%	$1.0M0.0%	$1.0M0.0%	$34.0M+17.2%	$7.0M+75.0%	$1.0M

Not reported in any period shown, so not listed: Stock-Based Compensation, Capital Expenditures, Free Cash Flow.

ALLY Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ALLY quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	10.8%+2.6pp	8.2%-3.5pp	11.6%-8.7pp	20.3%-17.0pp	37.3%+21.1pp	16.2%-10.6pp	26.8%+5.1pp	21.8%+5.6pp	16.1%-3.5pp	19.6%-6.9pp	26.5%+1.8pp	24.7%+16.3pp	8.5%-18.3pp	26.8%+31.4pp	-4.6%
Return on Equity	5.5%+0.7pp	4.8%-2.2pp	7.0%-6.3pp	13.3%-4.6pp	17.9%+10.6pp	7.4%-4.5pp	11.9%+2.4pp	9.5%+2.6pp	6.9%-1.1pp	8.0%-1.6pp	9.6%+2.1pp	7.5%+4.9pp	2.5%-3.5pp	6.0%+6.8pp	-0.8%
Return on Assets	0.4%+0.1pp	0.4%-0.1pp	0.5%-0.4pp	0.9%-0.8pp	1.7%+1.1pp	0.6%-0.3pp	0.9%+0.2pp	0.7%+0.2pp	0.6%-0.1pp	0.7%-0.2pp	0.8%0.0pp	0.8%+0.5pp	0.2%-0.4pp	0.7%+0.8pp	-0.1%
Debt-to-Equity	0.930.0x	0.91-0.1x	0.97-0.1x	1.04+0.4x	0.65-0.5x	1.15-0.6x	1.72-0.9x	2.65+0.2x	2.46-0.5x	2.95-1.1x	4.07+0.9x	3.15-0.5x	3.65+0.6x	3.06-0.3x	3.40
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.020.0x	0.02

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	17.9%+1.0pp	15.2%+29.8pp	15.4%+10.1pp	18.4%+9.1pp	16.9%+6.1pp	-14.6%-21.8pp	5.3%+2.4pp	9.3%-5.2pp
Return on Equity	2.6%+0.2pp	2.0%+3.6pp	2.1%+1.3pp	2.6%+1.3pp	2.4%+0.8pp	-1.6%-2.6pp	0.8%+0.3pp	1.4%-0.9pp
Return on Assets	0.2%0.0pp	0.2%+0.3pp	0.2%+0.1pp	0.2%+0.1pp	0.2%+0.1pp	-0.1%-0.2pp	0.1%0.0pp	0.1%-0.1pp
Debt-to-Equity	0.900.0x	0.96+0.1x	0.930.0x	0.880.0x	0.850.0x	0.85-0.1x	0.91-0.1x	0.91-0.2x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Ally Financial Inc. ALLY	FY2025	$7.9B	$852.0M	10.8%	$11.4B	—
SYNCHRONY FINANCIAL SYF	FY2025	$19.0B	$3.6B	18.7%	$23.7B	16/100
SoFi Technologies, Inc. SOFI	FY2025	$3.6B	$481.3M	13.3%	$20.4B	18/100
Capital One Financial COF	FY2025	$53.4B	$2.5B	4.6%	$122.2B	41/100
PayPal Holdings, Inc. PYPL	FY2025	$33.2B	$5.2B	15.8%	$47.5B	68/100
OneMain Holdings, Inc. OMF	FY2025	$4.9B	$783.0M	16.0%	$6.5B	11/100

Where Ally Financial Inc. Ranks

Frequently Asked Questions

What is Ally Financial Inc.'s annual revenue?

Ally Financial Inc. (ALLY) reported $7.9B in total revenue for fiscal year 2025. This represents a -3.3% 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 Financial Inc.'s revenue growing?

Ally Financial Inc. (ALLY) revenue declined by 3.3% year-over-year, from $8.2B to $7.9B in fiscal year 2025.

Is Ally Financial Inc. profitable?

Yes, Ally Financial Inc. (ALLY) reported a net income of $852.0M in fiscal year 2025, with a net profit margin of 10.8%.

How much debt does Ally Financial Inc. have?

As of fiscal year 2025, Ally Financial Inc. (ALLY) had $10.0B in cash and equivalents against $14.4B in long-term debt.

What is Ally Financial Inc.'s net profit margin?

Ally Financial Inc. (ALLY) had a net profit margin of 10.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Ally Financial Inc. pay dividends?

Yes, Ally Financial Inc. (ALLY) paid $1.20 per share in dividends during fiscal year 2025.

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

Ally Financial Inc. (ALLY) has a return on equity of 5.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Ally Financial Inc.'s operating cash flow?

Ally Financial Inc. (ALLY) generated $3.7B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Ally Financial Inc.'s total assets?

Ally Financial Inc. (ALLY) had $196.0B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Ally Financial Inc. buy back shares?

Yes, Ally Financial Inc. (ALLY) spent $59.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Ally Financial Inc. have outstanding?

Ally Financial Inc. (ALLY) had 309M shares outstanding as of fiscal year 2025.

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

Ally Financial Inc. (ALLY) had a debt-to-equity ratio of 0.93 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

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

Ally Financial Inc. (ALLY) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Ally Financial Inc.'s P/E ratio?

Ally Financial Inc. (ALLY) trades at 7.9x earnings, its market capitalization divided by net income of $1.5B net income, trailing 12 months to June 30, 2026. The market capitalization is $11.4B as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Ally Financial Inc.'s price-to-sales ratio?

Ally Financial Inc. (ALLY) trades at 1.3x sales, its market capitalization divided by revenue of $8.7B revenue, trailing 12 months to June 30, 2026. The market capitalization is $11.4B as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Ally Financial Inc.'s Piotroski F-Score?

Ally Financial Inc. (ALLY) has a Piotroski F-Score of 4 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Ally Financial Inc.'s earnings high quality?

Ally Financial Inc. (ALLY) has an earnings quality ratio of 4.38x, 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.