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ALLY

Ally Financial Inc.

ALLY

Ally Financial Inc. • NYSE
$41.30 ▲ 0.36% (+0.15)
Market Cap $12.72 B
52w High $44.83
52w Low $29.52
Dividend Yield 1.20%
P/E 24.73
Volume 824.71K
Outstanding Shares 308.05M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $3.971B ▲ $1.24B ▼ $398M ▲ 10.023% ▲ $1.19 ▲ $513M ▼
Q2-2025 $3.876B ▲ $1.463B ▼ $352M ▲ 9.082% ▲ $1.05 ▲ $652M ▲
Q1-2025 $3.43B ▼ $1.848B ▲ $-225M ▼ -6.56% ▼ $-0.82 ▼ $77M ▼
Q4-2024 $4.039B ▼ $1.508B ▲ $108M ▼ 2.674% ▼ $0.26 ▼ $444M ▼
Q3-2024 $4.179B $1.416B $357M 8.543% $1.07 $547M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $32.93B ▲ $191.711B ▲ $176.594B ▲ $15.117B ▲
Q2-2025 $29.361B ▲ $189.473B ▼ $174.926B ▼ $14.547B ▲
Q1-2025 $28.555B ▼ $193.331B ▲ $179.099B ▲ $14.232B ▲
Q4-2024 $29.302B ▲ $191.836B ▼ $177.933B ▼ $13.903B ▼
Q3-2024 $28.521B $192.981B $178.256B $14.725B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $352M ▲ $947M ▲ $2.909B ▲ $-3.775B ▼ $91M ▲ $-134M ▼
Q1-2025 $-225M ▼ $940M ▲ $-1.341B ▼ $438M ▲ $37M ▼ $121M ▲
Q4-2024 $-140M ▼ $620M ▼ $1.537B ▲ $-72M ▲ $2.076B ▲ $-297M ▼
Q3-2024 $357M ▲ $992M ▼ $1.06B ▲ $-874M ▲ $1.18B ▲ $58M ▼
Q2-2024 $308M $1.65B $-1.182B $-982M $-516M $750M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Banking Fees And Interchange Income
Banking Fees And Interchange Income
 $0 ▲$0 ▲$0 ▲$10.00M ▲
Brokerage Commissions and Other
Brokerage Commissions and Other
 $0 ▲$0 ▲$0 ▲$20.00M ▲
BrokeredAgent Commissions
BrokeredAgent Commissions
 $0 ▲$0 ▲$0 ▲$0 ▲
Noninsurance Contracts
Noninsurance Contracts
 $0 ▲$0 ▲$0 ▲$240.00M ▲
Product and Service Other
Product and Service Other
 $0 ▲$0 ▲$0 ▲$10.00M ▲
Remarketing Activities
Remarketing Activities
 $0 ▲$0 ▲$0 ▲$30.00M ▲
Loss gain on mortgage and automotive loans net
Loss gain on mortgage and automotive loans net
 $10.00M ▲$0 ▼$0 ▲$0 ▲
Insurance premiums and service revenue earned
Insurance premiums and service revenue earned
 $370.00M ▲$360.00M ▼$360.00M ▲$0 ▼
Other gain loss on investments net
Other gain loss on investments net
 $-20.00M ▲$-500.00M ▼$60.00M ▲$0 ▼
Other income net of losses
Other income net of losses
 $170.00M ▲$200.00M ▲$150.00M ▼$0 ▼
Total financing revenue and other interest income
Total financing revenue and other interest income
 $3.53Bn ▲$3.39Bn ▼$3.33Bn ▼$0 ▼

Five-Year Company Overview

Income Statement

Income Statement Ally has grown its overall revenue steadily over the last five years, but earnings have moved in the opposite direction. Profitability peaked in 2021 and has since come down a lot, suggesting pressure from higher funding costs, credit losses, or tighter margins on lending. The business is still profitable, but each dollar of revenue is now generating less profit than it did a few years ago. In simple terms: bigger top line, but thinner cushion at the bottom line compared with its best years.

Balance Sheet

Balance Sheet The balance sheet looks relatively stable in size, with total assets and equity moving in a fairly narrow band over the period. Debt has trended down from earlier highs, which is a constructive sign for balance-sheet risk, and cash levels have recently improved from mid-cycle lows. Overall, Ally appears to be managing its funding mix and capital position prudently, though as a lender it remains naturally exposed to credit quality and interest-rate cycles.

Cash Flow

Cash Flow Cash generation from day‑to‑day operations has been consistently solid, showing the core franchise throws off reliable cash. Free cash flow was weak and even negative earlier in the period when investment spending was heavier, but has turned positive and more stable in recent years as capital spending came down. That pattern suggests Ally has moved from a more investment-heavy phase toward a more cash-efficient footing, while still maintaining meaningful spending to support its digital model.

Competitive Edge

Competitive Edge Ally’s edge rests on being a large, all‑digital bank with deep roots in U.S. auto finance and a sizable base of relatively low‑cost deposits. Its long relationships with auto dealers, combined with digital tools like SmartAuction and Clearlane, give it strong access to loan demand in the auto ecosystem. The unified “One Ally” experience and customer‑friendly, low‑fee approach help it stand out versus traditional banks. On the other hand, it faces intense competition from big banks, specialty auto lenders, and fintechs, and it is sensitive to shifts in auto sales, consumer credit quality, and interest rates.

Innovation and R&D

Innovation and R&D Innovation is clearly a strategic focus. The in‑house Ally.ai platform, broader use of cloud technology, and the unified “One Ally” app experience all point to a deliberate push to build a technology moat. AI is being used first to improve internal efficiency and customer service, with plans to extend into areas like dealer inventory recommendations and more personalized customer offerings. Customer tools such as savings “Buckets” and “Boosters,” plus integrated investing and banking, show a practical, user‑oriented style of innovation. The main execution risks are keeping pace with rapid AI advances, managing data and regulatory requirements, and ensuring these digital investments keep translating into better economics.

Summary

Ally has evolved into a sizable, digital‑first lender with a strong presence in auto finance and online banking. Revenue has grown, but earnings have retreated from earlier highs, indicating a more challenging environment for margins and credit risk than in the peak years. The balance sheet and cash flows look generally sound and disciplined for a lender, with stable assets, manageable leverage, and improving free cash generation. Its competitive strengths lie in a scaled digital bank, entrenched auto dealer relationships, and a large, relatively low-cost deposit base, reinforced by visible investment in AI and digital experiences. Key things to watch going forward are credit trends in its loan book, the impact of interest‑rate moves on funding and lending spreads, and whether its AI and platform investments can restore and sustain stronger profitability over time.

NEWS

November 20, 2025 · 10:00 AM UTC

Ally Financial to present at the Goldman Sachs US Financial Services Conference

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October 30, 2025 · 9:00 AM UTC

Ally Financial announces board of director appointments

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October 23, 2025 · 10:00 AM UTC

Ally Financial to present at the BancAnalysts Association of Boston Conference

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October 17, 2025 · 7:25 AM UTC

Ally Financial reports third quarter 2025 financial results

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October 15, 2025 · 9:00 AM UTC

The Cost of Fandom: Ally Bank Finds Sports Fans Breaking the Bank for the Love of the Game

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