Ally Financial
ALLY NYSE Consumer Finance Financials FY2016–FY2025
Ally Financial's revenue fell 3.3% to $7.9 billion in fiscal 2025. Net income was $852 million, up 27.5%. Its return on equity was 5.8%, up from 4.8% a year earlier. Its efficiency ratio was 68.1%, up from 63.3% a year earlier. It paid out $438 million in dividends and buybacks. The diluted share count rose 0.9%.
About these figures. Ally's filings tag its net interest income only after the provision for credit losses, so net interest income's share of revenue is left blank.
What Ally Financial does
Ally Financial is a bank holding company with $196.0 billion in assets at the end of 2025. Its main subsidiary, Ally Bank, takes deposits online only, with no branches, and also offers securities brokerage and investment advice. The company's biggest business, though, is financing cars: it lends to car buyers and to car dealers, and sells insurance products to dealers and their customers.
Its main business lines are Dealer Financial Services, which includes Automotive Finance and Insurance, and Corporate Finance, which lends to companies owned by private equity firms and to other mid-sized businesses. A corporate and other group holds treasury work, including deposits, and a consumer mortgage portfolio that is running off after it stopped making new mortgages in 2025. It sold its Ally Lending and Ally Credit Card units in 2024 and 2025.
It makes money mostly from interest on loans and leases, from insurance premiums and from fees. About 60% of its average earning assets in 2025 were vehicle loans or operating leases and related interests. Ally competes with banks, credit unions, car makers' finance arms, independent finance companies, insurers and fintech companies. As a bank holding company, it is supervised by the Federal Reserve and other regulators, who can limit dividends and share buybacks.
- Legal name
- Ally Financial Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 25, 2026
- Accession · CIK
- 0000040729-26-000005
0000040729
Revenue and margins
Ally Financial had $7.9B of revenue in fiscal 2025, down 3.3% on the year before.
Net income and earnings per share
From fiscal 2016 to 2025, diluted EPS grew 1.1% a year. Loss periods are shown in red.
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
Dividends, buybacks and share count
Ally Financial returned $438M to shareholders in fiscal 2025. The diluted share count rose 0.9%.
Value Ally Financial yourself
Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.
Earnings multiple
Value per share
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Reference multiples: today 9.2x · peers 9.9x · sector 13.7x.
Balance sheet
Loans, deposits and capital at each fiscal year end.
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $119.0B | $132.0B | $135.9B | $132.3B | $134.0B |
| Deposits | $141.6B | $152.3B | $154.7B | $151.6B | $151.6B |
| Loans / deposits | 84.1% | 86.7% | 87.8% | 87.3% | 88.3% |
| Total assets | $182.1B | $191.8B | $196.3B | $191.8B | $196.0B |
| Shareholders' equity | $17.1B | $12.9B | $13.7B | $13.9B | $15.5B |
| Goodwill | $822M | $822M | $669M | $551M | $190M |
| Intangible assets | $129M | $98.0M | $73.0M | $54.0M | $0.0M |
| Provision / loans | 0.2% | 1.1% | 1.5% | 1.6% | 1.1% |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$1.5M
2 insiders
Sold, 12 months
$2.7M
3 insiders
Of sales under plans
82%
$2.2M
| Date | Insider | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Oct 21, 2026 | Kathleen L. PattersonChief HR & Corp Citizenship | Sold | 12,831 | $38.65 | $0.5M | Form 4 |
| Aug 4, 2026 | Stephanie N RichardChief Risk Officer | Sold plan | 5,000 | $44.23 | $0.2M | Form 4 |
| May 15, 2026 | Stephanie N RichardChief Risk Officer | Sold plan | 5,000 | $42.14 | $0.2M | Form 4 |
| Apr 17, 2026 | Douglas R. TimmermanPresident, Dfs | Sold plan | 39,675 | $45.17 | $1.8M | Form 4 |
| Jan 27, 2026 | Russell E. HutchinsonChief Financial Officer | Bought | 11,566 | $43.17 | $0.5M | Form 4 |
| Jan 23, 2026 | Michael George RhodesChief Executive Officer, Director | Bought | 23,800 | $41.68 | $1.0M | Form 4 |
Similar companies
Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.
| Company | Market cap | Growth | Op. margin | FCF margin | ROIC | P/E | F-score | |
|---|---|---|---|---|---|---|---|---|
| Ally Financial ALLY | $12.2B | −3.3% | — | — | — | 9.2x | — | |
| SoFi Technologies SOFI | $18.3B | 35.1% | — | — | — | 29.8x | — | Compare → |
| Synchrony Financial SYF | $27.5B | −2.8% | — | — | — | 7.7x | — | Compare → |
| SLM SLM | $4.1B | 7.3% | — | — | — | 7.1x | — | Compare → |
| Capital One COF | $109.0B | 36.6% | — | — | — | 12.1x | — | Compare → |
10 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $5.4B | $5.8B | $5.8B | $6.4B | $6.7B | $8.2B | $8.4B | $8.2B | $8.2B | $7.9B |
| Noninterest income | $1.5B | $1.5B | $1.4B | $1.8B | $2.0B | $2.0B | $1.6B | $2.0B | $2.2B | $1.7B |
| Noninterest expense | $2.9B | $3.1B | $3.3B | $3.4B | $3.8B | $4.1B | $4.7B | $5.2B | $5.2B | $5.4B |
| Provision for credit losses | $917M | $1.1B | $918M | $998M | $1.4B | $241M | $1.4B | $2.0B | $2.2B | $1.5B |
| Pretax income | $1.6B | $1.5B | $1.6B | $2.0B | $1.4B | $3.9B | $2.3B | $1.1B | $836M | $1.1B |
| Income tax | $470M | $581M | $359M | $246M | $328M | $790M | $627M | $144M | $167M | $199M |
| Net income | $1.1B | $929M | $1.3B | $1.7B | $1.1B | $3.1B | $1.7B | $957M | $668M | $852M |
| Net income to common | $1.0B | $929M | $1.3B | $1.7B | $1.1B | $3.0B | $1.6B | $847M | $558M | $742M |
| Diluted EPS | $2.15 | $2.04 | $2.95 | $4.34 | $2.88 | $8.22 | $5.03 | $2.77 | $1.80 | $2.37 |
| Diluted shares | 0.48B | 0.46B | 0.43B | 0.40B | 0.38B | 0.37B | 0.32B | 0.31B | 0.31B | 0.31B |
| Cash flow | ||||||||||
| Stock-based compensation | — | $60.0M | $72.0M | $67.0M | $80.0M | — | — | — | — | — |
| Share buybacks | $341M | $753M | $939M | $1.0B | $106M | $2.0B | $1.7B | $33.0M | $38.0M | $59.0M |
| Dividends paid | $108M | $184M | $242M | $273M | $289M | $324M | $384M | $368M | $372M | $379M |
| Dividends and buybacks | $449M | $937M | $1.2B | $1.3B | $395M | $2.3B | $2.0B | $401M | $410M | $438M |
| Balance sheet | ||||||||||
| Loans, net | $117.8B | $121.6B | $128.7B | $127.0B | $115.3B | $119.0B | $132.0B | $135.9B | $132.3B | $134.0B |
| Deposits | $79.0B | $93.3B | $106.2B | $120.8B | $137.0B | $141.6B | $152.3B | $154.7B | $151.6B | $151.6B |
| Goodwill | $240M | $240M | $240M | $393M | $343M | $822M | $822M | $669M | $551M | $190M |
| Intangible assets | $0.0M | $0.0M | $59.0M | $69.0M | $50.0M | $129M | $98.0M | $73.0M | $54.0M | $0.0M |
| Total assets | $163.7B | $167.1B | $178.9B | $180.6B | $182.2B | $182.1B | $191.8B | $196.3B | $191.8B | $196.0B |
| Preferred stock | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $2.3B | $2.3B | $2.3B | $2.3B | $2.3B |
| Shareholders' equity | $13.3B | $13.5B | $13.3B | $14.4B | $14.7B | $17.1B | $12.9B | $13.7B | $13.9B | $15.5B |
| Margins | ||||||||||
| Net margin | 19.6% | 16.1% | 21.8% | 26.8% | 16.2% | 37.3% | 20.3% | 11.6% | 8.2% | 10.8% |
| Efficiency ratio | 54.1% | 54.0% | 56.2% | 53.6% | 57.3% | 50.1% | 55.6% | 62.7% | 63.3% | 68.1% |
| Returns | ||||||||||
| Return on equity | 8.0% | 6.9% | 9.4% | 12.4% | 7.5% | 19.3% | 11.5% | 7.2% | 4.8% | 5.8% |
| Return on assets | 0.7% | 0.6% | 0.7% | 1.0% | 0.6% | 1.7% | 0.9% | 0.5% | 0.3% | 0.4% |
| Return on tangible equity | 7.8% | 7.1% | 9.6% | 12.7% | 7.7% | 21.4% | 13.7% | 8.4% | 5.2% | 6.2% |
| Growth | ||||||||||
| Revenue growth | 11.9% | 6.0% | 0.7% | 10.2% | 4.6% | 22.7% | 2.7% | −2.3% | −0.6% | −3.3% |
| Net income growth | −17.2% | −12.9% | 36.0% | 35.8% | −36.7% | 182.0% | −44.0% | −44.2% | −30.2% | 27.5% |
| EPS growth | — | −5.1% | 44.6% | 47.1% | −33.6% | 185.4% | −38.8% | −44.9% | −35.0% | 31.7% |
| Share count change | −0.1% | −5.6% | −6.1% | −7.6% | −4.6% | −3.2% | −12.8% | −4.2% | 1.7% | 0.9% |
| Financial health | ||||||||||
| Loans / deposits | 149.1% | 130.4% | 121.2% | 105.2% | 84.1% | 84.1% | 86.7% | 87.8% | 87.3% | 88.3% |
| Provision / loans | 0.8% | 1.0% | 0.7% | 0.8% | 1.2% | 0.2% | 1.1% | 1.5% | 1.6% | 1.1% |
| Capital allocation | ||||||||||
| Stock comp / revenue | — | 1.0% | 1.2% | 1.1% | 1.2% | — | — | — | — | — |
Source: SEC EDGAR XBRL filings (CIK 0000040729). Data updated October 11, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.