Ally Financial
ALLY NYSE Consumer Finance 金融 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%.
このデータについて。 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.
Ally Financialの事業内容
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.
- 正式名称
- Ally Financial Inc.
- 決算期末
- 2025年12月31日
- 最新の年次報告書
- 10-K · 2026年2月25日
- 受付番号 · CIK
- 0000040729-26-000005
0000040729
売上高と利益率
Ally Financialの2025年度の売上高は$7.9Bで、前年比3.3%減でした。
純利益と1株当たり利益
2016年度から2025年度にかけて、希薄化後EPSは年率1.1%で成長しました。 赤字の期間は赤で表示しています。
収益性と効率性
銀行の場合、自己資本利益率と経費率(収益に対するコストの割合)が経営状態を最もよく表します。
配当、自社株買い、株式数
Ally Financialは2025年度に$438Mを株主に還元しました。 希薄化後株式数は0.9%増加しました。
Ally Financialを自分で評価
前提条件を変えて、1株あたりの価値を確認できます。これはモデルであり、予測や目標株価ではありません。結果は入力した値によって決まります。
利益倍率
1株当たり価値
—
参考倍率:現在 9.2x · 同業他社 9.9x · セクター 13.7x。
貸借対照表
各期末の貸出金、預金、資本。
| 期末 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| 貸出金(純額) | $119.0B | $132.0B | $135.9B | $132.3B | $134.0B |
| 預金 | $141.6B | $152.3B | $154.7B | $151.6B | $151.6B |
| 貸出金 / 預金 | 84.1% | 86.7% | 87.8% | 87.3% | 88.3% |
| 総資産 | $182.1B | $191.8B | $196.3B | $191.8B | $196.0B |
| 自己資本 | $17.1B | $12.9B | $13.7B | $13.9B | $15.5B |
| のれん | $822M | $822M | $669M | $551M | $190M |
| 無形資産 | $129M | $98.0M | $73.0M | $54.0M | $0.0M |
| 引当金 / 貸出金 | 0.2% | 1.1% | 1.5% | 1.6% | 1.1% |
インサイダー取引
役員、取締役、10%超保有者による市場内での売買(Form 4の届出に基づく)。「計画」は事前に定めたRule 10b5-1プランによる取引を示します。
買い(12か月)
$1.5M
インサイダー2人
売り(12か月)
$2.7M
インサイダー3人
売りのうち計画取引
82%
$2.2M
| 日付 | インサイダー | 取引 | 株数 | 株価 | 金額 | 書類 |
|---|---|---|---|---|---|---|
| 2026年10月21日 | Kathleen L. PattersonChief HR & Corp Citizenship | 売り | 12,831 | $38.65 | $0.5M | Form 4 |
| 2026年8月4日 | Stephanie N RichardChief Risk Officer | 売り 計画 | 5,000 | $44.23 | $0.2M | Form 4 |
| 2026年5月15日 | Stephanie N RichardChief Risk Officer | 売り 計画 | 5,000 | $42.14 | $0.2M | Form 4 |
| 2026年4月17日 | Douglas R. TimmermanPresident, Dfs | 売り 計画 | 39,675 | $45.17 | $1.8M | Form 4 |
| 2026年1月27日 | Russell E. HutchinsonChief Financial Officer | 買い | 11,566 | $43.17 | $0.5M | Form 4 |
| 2026年1月23日 | Michael George RhodesChief Executive Officer, Director | 買い | 23,800 | $41.68 | $1.0M | Form 4 |
類似企業
各社の直近会計年度のデータです。決算月が異なるため、期間は完全には一致しません。
| 企業 | 時価総額 | 成長率 | 営業利益率 | FCFマージン | ROIC | PER | Fスコア | |
|---|---|---|---|---|---|---|---|---|
| Ally Financial ALLY | $12.2B | −3.3% | — | — | — | 9.2x | — | |
| SoFi Technologies SOFI | $18.3B | 35.1% | — | — | — | 29.8x | — | 比較 → |
| Synchrony Financial SYF | $27.5B | −2.8% | — | — | — | 7.7x | — | 比較 → |
| SLM SLM | $4.1B | 7.3% | — | — | — | 7.1x | — | 比較 → |
| Capital One COF | $109.0B | 36.6% | — | — | — | 12.1x | — | 比較 → |
10年分のデータ
金額はUSD建て。指標名にカーソルを合わせると定義が表示されます。
| 会計年度 | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| 損益計算書 | ||||||||||
| 売上高 | $5.4B | $5.8B | $5.8B | $6.4B | $6.7B | $8.2B | $8.4B | $8.2B | $8.2B | $7.9B |
| 非金利収益 | $1.5B | $1.5B | $1.4B | $1.8B | $2.0B | $2.0B | $1.6B | $2.0B | $2.2B | $1.7B |
| 非金利費用 | $2.9B | $3.1B | $3.3B | $3.4B | $3.8B | $4.1B | $4.7B | $5.2B | $5.2B | $5.4B |
| 貸倒引当金繰入額 | $917M | $1.1B | $918M | $998M | $1.4B | $241M | $1.4B | $2.0B | $2.2B | $1.5B |
| 税引前利益 | $1.6B | $1.5B | $1.6B | $2.0B | $1.4B | $3.9B | $2.3B | $1.1B | $836M | $1.1B |
| 法人税 | $470M | $581M | $359M | $246M | $328M | $790M | $627M | $144M | $167M | $199M |
| 純利益 | $1.1B | $929M | $1.3B | $1.7B | $1.1B | $3.1B | $1.7B | $957M | $668M | $852M |
| 普通株主に帰属する純利益 | $1.0B | $929M | $1.3B | $1.7B | $1.1B | $3.0B | $1.6B | $847M | $558M | $742M |
| 希薄化後EPS | $2.15 | $2.04 | $2.95 | $4.34 | $2.88 | $8.22 | $5.03 | $2.77 | $1.80 | $2.37 |
| 希薄化後株式数 | 0.48B | 0.46B | 0.43B | 0.40B | 0.38B | 0.37B | 0.32B | 0.31B | 0.31B | 0.31B |
| キャッシュフロー | ||||||||||
| 株式報酬 | — | $60.0M | $72.0M | $67.0M | $80.0M | — | — | — | — | — |
| 自社株買い | $341M | $753M | $939M | $1.0B | $106M | $2.0B | $1.7B | $33.0M | $38.0M | $59.0M |
| 支払配当金 | $108M | $184M | $242M | $273M | $289M | $324M | $384M | $368M | $372M | $379M |
| 配当と自社株買い | $449M | $937M | $1.2B | $1.3B | $395M | $2.3B | $2.0B | $401M | $410M | $438M |
| 貸借対照表 | ||||||||||
| 貸出金(純額) | $117.8B | $121.6B | $128.7B | $127.0B | $115.3B | $119.0B | $132.0B | $135.9B | $132.3B | $134.0B |
| 預金 | $79.0B | $93.3B | $106.2B | $120.8B | $137.0B | $141.6B | $152.3B | $154.7B | $151.6B | $151.6B |
| のれん | $240M | $240M | $240M | $393M | $343M | $822M | $822M | $669M | $551M | $190M |
| 無形資産 | $0.0M | $0.0M | $59.0M | $69.0M | $50.0M | $129M | $98.0M | $73.0M | $54.0M | $0.0M |
| 総資産 | $163.7B | $167.1B | $178.9B | $180.6B | $182.2B | $182.1B | $191.8B | $196.3B | $191.8B | $196.0B |
| 優先株式 | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $2.3B | $2.3B | $2.3B | $2.3B | $2.3B |
| 自己資本 | $13.3B | $13.5B | $13.3B | $14.4B | $14.7B | $17.1B | $12.9B | $13.7B | $13.9B | $15.5B |
| 利益率 | ||||||||||
| 純利益率 | 19.6% | 16.1% | 21.8% | 26.8% | 16.2% | 37.3% | 20.3% | 11.6% | 8.2% | 10.8% |
| 経費率 | 54.1% | 54.0% | 56.2% | 53.6% | 57.3% | 50.1% | 55.6% | 62.7% | 63.3% | 68.1% |
| 収益性 | ||||||||||
| 自己資本利益率 | 8.0% | 6.9% | 9.4% | 12.4% | 7.5% | 19.3% | 11.5% | 7.2% | 4.8% | 5.8% |
| 総資産利益率 | 0.7% | 0.6% | 0.7% | 1.0% | 0.6% | 1.7% | 0.9% | 0.5% | 0.3% | 0.4% |
| 有形自己資本利益率 | 7.8% | 7.1% | 9.6% | 12.7% | 7.7% | 21.4% | 13.7% | 8.4% | 5.2% | 6.2% |
| 成長率 | ||||||||||
| 売上高成長率 | 11.9% | 6.0% | 0.7% | 10.2% | 4.6% | 22.7% | 2.7% | −2.3% | −0.6% | −3.3% |
| 純利益成長率 | −17.2% | −12.9% | 36.0% | 35.8% | −36.7% | 182.0% | −44.0% | −44.2% | −30.2% | 27.5% |
| EPS成長率 | — | −5.1% | 44.6% | 47.1% | −33.6% | 185.4% | −38.8% | −44.9% | −35.0% | 31.7% |
| 株式数の変化 | −0.1% | −5.6% | −6.1% | −7.6% | −4.6% | −3.2% | −12.8% | −4.2% | 1.7% | 0.9% |
| 財務の健全性 | ||||||||||
| 貸出金 / 預金 | 149.1% | 130.4% | 121.2% | 105.2% | 84.1% | 84.1% | 86.7% | 87.8% | 87.3% | 88.3% |
| 引当金 / 貸出金 | 0.8% | 1.0% | 0.7% | 0.8% | 1.2% | 0.2% | 1.1% | 1.5% | 1.6% | 1.1% |
| 資本配分 | ||||||||||
| 株式報酬 / 売上高 | — | 1.0% | 1.2% | 1.1% | 1.2% | — | — | — | — | — |
出典:SEC EDGAR XBRL提出書類 (CIK 0000040729). 2026年10月11日更新。 第4四半期は通期から最初の9か月を差し引いた値です。 情報提供のみを目的としており、投資助言ではありません。数字を利用する前に原本の書類を確認してください。