Ally Financial
ALLY NYSE· Consumer Finance
Last close · Oct 26, 2026
$38.81
KIRA · Stoqly’s AI analyst, in plain words
- Ally Financial had $7.9B of revenue in fiscal 2025, down 3.3% on the year before. Over five years, revenue changed +3.4% a year on average.
- Ally Financial made $852M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 1.1% a year.
- Ally Financial returned $438M to shareholders in fiscal 2025. The diluted share count rose 0.9%.
- It earned 5.8% on shareholders’ money. Running costs took 68.1% of revenue (the efficiency ratio; lower is better).
Market cap
$12.1B
P/E
9.1x
Revenue
$7.9B
Net income
$852M
Return on equity
5.8%
Efficiency ratio
68.1%
Ally Financial in 30 seconds · fiscal 2025
Are sales growing?
−3.3%
No. Sales fell 3.3% last year.
Does it make a profit?
10.8%
Yes. It keeps 10.8% of every sale as profit.
How lean are its costs?
68.1%
Costly. Running costs take 68.1% of revenue.
How much does it earn on its capital?
5.8%
Low. It earns 5.8% a year on shareholders’ money.
How is the share priced?
9.1x
One share costs 9.1 times its yearly profit per share. Typical for its sector: 13.7x.
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.
Biggest risks, in its own words
- Credit losses on loans that may be larger than the money it has set aside for them.
- A large share of its customers are GM and Stellantis dealers and their retail customers.
- Weak US car sales, and low or swinging used-car prices that lower the value of vehicles it finances or leases.
- Relying on deposits and capital markets for funding, and rising interest rates.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 25, 2026
- Legal name
- Ally Financial Inc.
- CIK
- 0000040729
Ally Financial · ALLY
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $8.2B | $8.4B | $8.2B | $8.2B | $7.9B |
| Revenue growth | 22.7% | 2.7% | −2.3% | −0.6% | −3.3% |
| Net income | $3.1B | $1.7B | $957M | $668M | $852M |
| Net margin | 37.3% | 20.3% | 11.6% | 8.2% | 10.8% |
| Diluted EPS | $8.22 | $5.03 | $2.77 | $1.80 | $2.37 |
| Cash | |||||
| Dividends paid | $324M | $384M | $368M | $372M | $379M |
| Share buybacks | $2.0B | $1.7B | $33.0M | $38.0M | $59.0M |
| Share count change | −3.2% | −12.8% | −4.2% | 1.7% | 0.9% |
| Debt and strength | |||||
| Loans, net | $119.0B | $132.0B | $135.9B | $132.3B | $134.0B |
| Deposits | $141.6B | $152.3B | $154.7B | $151.6B | $151.6B |
| Shareholders' equity | $17.1B | $12.9B | $13.7B | $13.9B | $15.5B |
| Returns and quality | |||||
| Return on equity | 19.3% | 11.5% | 7.2% | 4.8% | 5.8% |
| Return on tangible equity | 21.4% | 13.7% | 8.4% | 5.2% | 6.2% |
| Efficiency ratio | 50.1% | 55.6% | 62.7% | 63.3% | 68.1% |
Insiders bought, 12 months
$1.5M
2 insiders
Insiders sold, 12 months
$2.7M
3 insiders
Of sales under plans
82%
$2.2M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Ally Financial · ALLY
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
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 | Net margin | ROE | P/E | F-score |
|---|---|---|---|---|---|---|
| Ally Financial ALLY | $12.1B | −3.3% | 10.8% | 5.8% | 9.1x | — |
| SoFi Technologies SOFI | $18.1B | 35.1% | 13.3% | 5.7% | 29.5x | — |
| Synchrony Financial SYF | $28.0B | −2.8% | 18.7% | 21.3% | 7.8x | — |
| SLM SLM | $4.1B | 7.3% | 37.5% | 32.3% | 7.1x | — |
| Capital One COF | $109.5B | 36.6% | 4.6% | 2.8% | 12.1x | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $38.81 a share, the company is worth $12.1B: 9.1 times its earnings of the last four quarters.
Ally Financial grew sales faster than 0 of its 4 similar companies. Its P/E is higher than 2 of 4.
Source: SEC EDGAR XBRL filings (CIK 0000040729). Data updated October 11, 2026. For information only — not investment advice. Check the original filings before relying on any figure.