Ally Financial (ALLY) Stock & Financials
Data as of (550 days ago)|Source: SEC EDGAR
Ally Financial (ALLY) is a consumer finance company. The company reports annual revenue of $7.8B and net income of $108M. Its profit margin is 1.4%.
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Ally Financial Key Financials(TTM Est.)
Data from SEC EDGAR filings. TTM = Trailing Twelve Months.
Ally Financial Financial Health ScoreFY2025
Weak financial health; requires careful evaluation
+1 pts YoYThis Financial Health Score is a proprietary metric calculated from SEC EDGAR filings for educational and informational purposes only. It does not constitute investment advice or a recommendation to buy or sell any security. Results vary significantly by industry. Conduct your own research before making investment decisions.
Data Highlights
- Altman Z-Score 0.08 (distress zone, below 1.8 threshold)
Data sourced from SEC EDGAR filings. Not investment advice.
Ally Financial Recent Events
Source: SEC EDGAR 8-K Filings
5-Year Revenue & Net Income Trend
Chart shows fiscal year data from SEC EDGAR filings. Hover over data points for details.
As of FY2025 · SEC Form 10-K · Last checked Jun 30, 2026
Revenue Breakdown (FY2024)
See Ally Financial detailed breakdown →Showing top 3 of 6 segments
As of FY2024 · SEC 10-K Annual Filings · Updated Jan 28, 2026
About Ally Financial
Ally Financial Inc. is an American bank holding company incorporated in Delaware and headquartered at Ally Detroit Center in Detroit, Michigan. The company provides financial services including car finance, online banking via a direct bank, corporate lending, vehicle insurance, mortgage loans, and other related financing services such as installment sale and lease agreements.
- Industry
- Consumer Finance
Valuation
Valuation Data UnavailablePrice-based valuation metrics (P/E, P/B) require real-time stock price data which is not included in SEC filings.
Benjamin Graham: Graham recommended P/E ratio not exceed 15 for reasonable valuation. Understanding valuation metrics
Profitability
Thin Marginsvs 9.7% sector median / 11.4% avg
Generates $0.7 in profit for every $100 of shareholder equity. Higher than 0% in Financials.
vs 8.3% sector median / 9.6% avg
Keeps 1 cents of every dollar in revenue as profit. Higher than 6% in Financials.
* Some quarterly data is missing. Values are calculated based on annual report figures.
Profit margin 86% below sector average.
Warren Buffett: Buffett looks for consistent ROE above 20% as a sign of competitive advantage. How to evaluate profitability
Financial Health
Above-Average Leveragevs 1.14 sector median / 4.40 avg
Carries $1.11 in debt for every $1 of equity. Lower debt than 80% in Financials.
Debt-to-equity ratio of 1.11 is above 1. Debt is 75% below sector average.
Peter Lynch: Lynch: normal balance sheet has 75% equity, 25% debt. Understanding financial health
Dividend
Dividend Data UnavailableDividend yield data is not available from SEC filings. Check the company's investor relations page for dividend information.
As of FY2025 · SEC Form 10-K · Last checked Jun 30, 2026
Ally Financial 10-Year Revenue, Profit & Cash Flow History
Annual Financials
FY2025 - FY2016| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $7.9B(-3.3%) | $8.2B(-0.6%) | $8.2B(+23.2%) | $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(-4.3%) |
| Net Income | $852.0M(+27.5%) | $668.0M(-30.2%) | $957.0M(-11.8%) | $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(-10.8%) |
| Total Assets | $196.0B | $191.8B | $196.3B | $182.1B | $182.2B | $180.6B | $178.9B | $167.1B | $163.7B | $158.6B |
| Total Debt | $17.1B | $17.5B | $17.6B | $17.8B | $17.0B | $22.0B | $34.0B | $44.2B | $44.2B | $54.1B |
| Total Equity | $15.5B | $13.9B | $13.7B | $14.7B | $14.4B | $13.3B | $13.3B | $13.5B | $13.4B | $15.4B |
| Profit Margin | 10.8% | 8.2% | 11.6% | 16.2% | 26.8% | 21.8% | 16.1% | 19.6% | 26.5% | 24.7% |
| ROE | 5.5% | 4.8% | 7.0% | 7.4% | 11.9% | 9.5% | 7.0% | 7.9% | 9.6% | 7.5% |
| ROA | 0.4% | 0.4% | 0.5% | 0.6% | 0.9% | 0.7% | 0.5% | 0.6% | 0.8% | 0.7% |
Quarterly Financials
Last 8 quarters| Metric | Q1 2026 | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.5B | $6.2B | $4.0B | $2.0B | $6.1B | $4.2B | $2.1B | $6.2B |
| Net Income | $-225,000,000 | $560.0M | $362.0M | $143.0M | $944.0M | $648.0M | $319.0M | $1.4B |
| Total Assets | $193.3B | $192.7B | $192.4B | $192.8B | $195.7B | $197.2B | $196.2B | $188.6B |
As of FY2025 · SEC Form 10-K · Last checked Jun 30, 2026
Insider Trading
Source: SEC EDGAR Form 4 filings. Only purchase (P) and sale (S) transactions shown.
Ally Financial Dividend Safety Analysis & Growth History
Dividend Status
Dividend PayerThis company pays dividends. Historical dividend data shown below.
5-year dividend CAGR: +3.4%.
Annual Dividends
2016 - 2025| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend/Share | $0.16 | $0.40 | $0.56 | $0.68 | $0.76 | $0.88 | $1.20 | $1.20 | $1.20 | $0.90 |
| YoY Growth | - | +150.0% | +40.0% | +21.4% | +11.8% | +15.8% | +36.4% | +0.0% | +0.0% | -25.0% |
| Payments | 2 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 3 |
| Increased | - | Yes | Yes | Yes | Yes | Yes | Yes | No | No | No |
Learn more:Dividend investing guideHow to evaluate dividend safety
As of FY2025 · SEC XBRL dividend facts · Last checked Jul 1, 2026
Ally Financial Free Cash Flow & Dividend Coverage
Cash Flow History
FY2016 - FY2025| Metric | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | $3.4B | $5.1B | $4.6B | $4.1B | $4.2B | $4.0B | $3.7B | $4.6B | $4.5B | $3.7B |
| CapEx | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - |
| FCF Margin | - | - | - | - | - | - | - | - | - | - |
Source: SEC EDGAR 10-K filings. FCF = Operating Cash Flow - Capital Expenditures. Free cash flow guide
As of FY2025 · SEC Form 10-K · Last checked Jun 30, 2026
Ally Financial Risk Factors
Company-disclosed SEC risk factors
Risk factors are disclosed by the company in its SEC Form 10-K, Item 1A. Billiver does not classify or summarize company-specific legal, operational, financial, or market risks here.
Sector context: Financials. This is not a Billiver risk assessment for ALLY.
Source note: the SEC Form 10-K includes Item 1A, "Risk Factors." The full risk-factor text should be read from the company’s own SEC filing.
Ally Financial FAQ
What is Ally Financial's annual revenue?
Ally Financial (ALLY) reported $7.8 billion in trailing twelve-month (TTM) revenue. This financial data is compiled from SEC EDGAR 10-K filings.
Is Ally Financial profitable?
Yes, Ally Financial is profitable with a 1.4% net profit margin and $108 million in net income (TTM). All figures from SEC EDGAR 10-K filings.
Does Ally Financial pay dividends?
Yes, Ally Financial pays regular dividends. View the full dividend history and payout analysis on this page.
What is Ally Financial's financial health score?
Ally Financial has a financial health score of 46/100 (Grade: F), evaluating profitability, solvency, liquidity, and growth based on SEC EDGAR data.
How many years of Ally Financial financial data are available?
10 years of financial data are available for Ally Financial from FY2016 to FY2025. All figures are compiled from SEC EDGAR 10-K filings.