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Ally Financial Inc.

ALLY Financial Credit Services

Ally Financial Inc.’s revenue for fiscal 2025 (year ended December 2025) was $15.3 billion, down 6.89% from fiscal 2024.

Revenue
+4.53%
EPS
+10.9%
Free cash flow
+32.7%
Total debt
+12.1%

Quarter to September 2026, against a year earlier

38.89 0.47 −1.19%
Market cap
$11.7B
P/E
8.8×
Fwd P/E
8.1×
Dividend yield
3.21%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Valuation Filings

Insider Decisions last twelve months

Bought, $m 1.49
Sold, $m 2.72
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 2 — — — — — — — — — —
Sell — — — — 1 1 — — 1 — 1 —
Insider Ownership 2.43%

Capital & Financial Ratios $m

Size
Market Cap 11,650.00
Revenue ttm 16,046.00
Net income ttm 1,489.00
Free cash flow ttm 4,959.00
Net debt Q 10,939.00
Valuation
P/E 8.80
Forward P/E 8.09
Price / sales 0.74
Forward P/S Powerpack
Price / FCF 2.39
Price / book 0.91
Financial health
Current ratio Q 0.94
Debt / equity Q 1.25
Interest coverage Q —
Growth
Revenue growth Q +4.53% (above 0%: growing)
Operating income growth Q +10.53% (above 0%: growing)
EPS, this year +31.29% (at or above 15%: strong)
EPS, next year A +19.85% (at or above 15%: strong)
Revenue, next year A −40.66% (below 0%: weak)
EPS, past 5 yrs −3.82% (below 0%: weak)
EPS, next 5 yrs A +20.94% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 39.27%
10-year low 10-year high
P/S against its own 10 years 24.94%
10-year low 10-year high
P/B against its own 10 years 58.38%
10-year low 10-year high

Dividends

Yield
3.21%
Annual rate
1.25
Payout ratio
28.7%
Growth, 2018–26
+10.6%/yr
  1. 0.56 ’18
  2. 0.68 ’19 +21
  3. 0.76 ’20 +12
  4. 0.88 ’21 +16
  5. 1.20 ’22 +36
  6. 1.20 ’23 +0
  7. 1.20 ’24 +0
  8. 1.20 ’25 +0
  9. 1.25 ’26 +4
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 6,945 10,292 10,030 7,839
Receivables — — — —
Inventory — — — —
Other — — — —
145,946 145,558 147,387 155,424
2023 2024 2025 Q'26
Payables 154,666 151,574 151,649 155,804
ST’ Debt — — — —
Other — — — —
161,547 156,903 159,778 165,818

Compound Annual Growth %

10y 5y 3y
Sales 4.81% 7.20% 7.75%
Cash Flow (3.10%) (0.05%) (15.80%)
Earnings 0.00% (7.32%) (24.35%)
Book Value 1.44% 1.06% 6.42%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.32 Actual 1.34

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.01 1.09 Beat by 0.08
Q1 FY26 0.93 1.11 Beat by 0.18
Q2 FY26 1.25 1.21 Miss by 0.04
Q3 FY26 1.32 1.34 Beat by 0.02
Q4 FY26 1.37 — Reports 20 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.93 1.18 1.30 — —
’25 (0.82) 1.04 1.18 0.95 2.37
’24 0.42 0.62 0.55 0.26 1.80
’23 0.96 0.99 0.88 0.16 2.77
’22 1.86 1.40 0.88 0.83 5.03
’21 2.11 2.41 1.89 1.79 8.22
’20 (0.85) 0.64 1.26 1.82 2.88
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 3,887 4,067 4,151 — —
’25 3,456 3,891 3,971 3,941 15,259
’24 4,112 4,043 4,189 4,045 16,389
’23 3,784 3,960 4,030 4,197 15,971
’22 2,753 2,762 3,058 3,626 12,199
’21 2,657 2,665 2,568 2,800 10,690
’20 2,617 2,733 2,629 2,801 10,780
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 1,371 1,353 1,595 — —
’25 940 947 1,202 640 3,729
’24 1,266 1,454 857 951 4,528
’23 1,432 1,588 1,660 (123) 4,557
’22 1,641 1,831 1,602 1,173 6,247
’21 1,170 452 1,461 959 4,042
’20 814 348 1,442 1,135 3,739
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 1,371 1,353 1,595 — —
’25 940 947 1,202 640 3,729
’24 1,266 1,454 857 951 4,528
’23 1,432 1,588 1,660 (123) 4,557
’22 1,641 1,831 1,602 1,173 6,247
’21 1,170 452 1,461 959 4,042
’20 814 348 1,442 1,135 3,739
Fiscal quarters ending in the months shown.

Valuation

The price implies the dividend a share growing 11.8% a year for ten years. It grew −13.8% a year over the last ten.

Implied
11.8%
10 years, reported
−13.8%
Open the model

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 9,835 9,866 10,466 11,618 10,780 10,690 12,199 15,971 16,389 15,259 16,046 +5.0% 9,054 9,550 9,872 (13.5%)
Gross margin, % 73.27 71.04 65.25 63.48 69.92 82.10 76.58 56.82 54.41 58.01 61.75 (15.3) pt
EBT 1,581 1,507 1,622 1,967 1,414 3,855 2,342 1,103 836 1,051 1,890 (4.4%)
EBT margin, % 16.08 15.27 15.50 16.93 13.12 36.06 19.20 6.91 5.10 6.89 11.78 (9.2) pt
Net income 1,067 929 1,263 1,715 1,085 3,060 1,714 957 668 852 1,489 (2.5%)
Per share, $
Per share, $ Revenue 20.44 21.75 24.62 29.54 28.70 29.48 38.52 52.58 53.40 49.22 52.60 +10.3%
Earnings 2.15 2.05 2.97 4.36 2.89 8.28 5.06 3.00 1.82 2.39 4.42 +1.2%
Cash flow 9.49 8.99 9.76 10.30 9.95 11.15 19.73 15.00 14.75 12.03 16.26 +2.7%
Capex 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 n/m
Free cash flow 9.49 8.99 9.76 10.30 9.95 11.15 19.73 15.00 14.75 12.03 16.26 +2.7%
Book value 27.68 29.74 31.21 36.66 39.14 47.02 40.60 45.11 45.30 49.99 49.07 +6.8%
Shares, m 481 454 425 393 376 363 317 304 307 310 309 (4.8%)
Valuation, ×
Valuation, × P/E 8.90 14.36 7.66 7.01 12.38 5.78 4.90 11.83 18.43 18.95 8.80 11.0
P/S 0.94 1.35 0.92 1.03 1.24 1.61 0.63 0.67 0.67 0.92 0.74 1.0
P/B 0.69 0.99 0.73 0.83 0.91 1.17 0.73 0.94 0.95 1.07 0.91 0.9
EV/Sales 5.84 5.41 4.71 3.66 1.83 2.73 1.63 1.34 1.11 1.38 — 3.0
EV/FCF 12.58 13.07 11.88 10.49 5.29 7.23 3.19 4.69 4.03 5.65 — 7.8
Cash, $m
Cash, $m Operating cash flow 4,567 4,079 4,150 4,050 3,739 4,042 6,247 4,557 4,528 3,729 4,959 (2.2%)
Capex (3,274) (4,052) (3,709) (4,023) (4,320) (5,120) (3,532) — — — 0 +1.3%
Free cash flow 4,567 4,079 4,150 4,050 3,739 4,042 6,247 4,557 4,528 3,729 4,959 (2.2%)
Balance, $m
Balance, $m Working capital 31,856 21,200 17,497 4,343 (8,061) (17,185) (16,792) (15,601) (11,345) (12,391) (10,394) n/m
Net debt 48,194 39,974 39,656 30,472 6,385 11,967 12,191 10,625 7,203 7,040 10,939 (19.2%)
Shareholders’ equity 13,317 13,494 13,268 14,416 14,703 17,050 12,859 13,703 13,903 15,498 14,970 +1.7%
Returns, %
Returns, % ROA 0.64 0.56 0.73 0.95 0.60 1.68 0.92 0.44 0.29 0.38 0.69 (0.3) pt
ROIC 1.61 1.76 1.92 2.74 4.19 8.30 5.84 2.83 2.48 2.91 4.56 +1.3 pt
ROE 7.96 6.93 9.44 12.39 7.45 20.80 13.57 7.73 4.86 6.00 10.54 (2.0) pt
People
People Employees 7,600 7,900 8,200 8,700 9,500 9,500 11,600 11,100 10,700 10,300 — +3.4%
Revenue/emp, $m 1.29 1.25 1.28 1.34 1.13 1.13 1.05 1.44 1.53 1.48 — +1.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Business profile

Updated

Ally Financial is a financial-services company built around digital banking, automotive finance and insurance, and corporate lending. It was founded in 1919 and is headquartered in Detroit. Michael G. Rhodes is its chief executive officer.

Ally Bank takes deposits through digital channels rather than a branch network. Customers can also access securities brokerage and investment advisory services through Ally Invest. The bank’s deposits help fund lending across the company.

Ally Financial Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
AFRM Affirm Holdings, Inc. $23.6B 11.8× 36.6× +35.24% (above 0%: growing) +100.00% (above 0%: growing) −54.85% (below 0%: shrinking) 0.00% 14.82% Compare
SYF Synchrony Financial $23.1B 7.7× 7.9× +0.60% (above 0%: growing) −6.23% (below 0%: shrinking) −5.27% (below 0%: shrinking) 83.39% 0.00% Compare
SOFI SoFi Technologies, Inc. $20.8B 27.8× 27.5× +41.86% (above 0%: growing) +58.33% (above 0%: growing) −120.02% (below 0%: shrinking) 77.00% 0.00% Compare
ALLY Ally Financial Inc. $11.7B 8.8× 8.1× +4.53% (above 0%: growing) +10.92% (above 0%: growing) +32.70% (above 0%: growing) 62.76% 0.00%
FCFS FirstCash Holdings, Inc. $8.0B 20.4× 18.5× +17.70% (above 0%: growing) +25.27% (above 0%: growing) −12.69% (below 0%: shrinking) 49.54% 15.77% Compare
KLAR Klarna Group plc $7.7B — (loss-making) 8.2× +26.61% (above 0%: growing) n/m −129.24% (below 0%: shrinking) 61.23% 2.59% Compare
OMF OneMain Holdings, Inc. $6.5B 8.7× 8.7× +9.52% (above 0%: growing) −4.19% (below 0%: shrinking) −2.42% (below 0%: shrinking) 79.74% 0.00% Compare
CACC Credit Acceptance Corporation $5.3B 16.7× 8.8× +2.09% (above 0%: growing) n/m +11.81% (above 0%: growing) 100.00% 8.63% Compare
SEZL Sezzle Inc. $5.2B 28.6× 25.6× +42.56% (above 0%: growing) +82.05% (above 0%: growing) −101.48% (below 0%: shrinking) 0.00% 38.59% Compare
Median of peers $7.8B 16.7× 13.7× +22.16% +41.80% −33.77% 69.11% 5.61%

All 53 Credit Services stocks →

From the latest earnings call

Updated

  • CEO Michael Rhodes said dealer applications supported growth in auto originations, while CFO Russell Hutchinson attributed the flow partly to dealer incentives.
  • Hutchinson said Ally raised its expected earning-asset growth range and narrowed its consolidated net charge-off guidance, while monitoring delinquencies and used-vehicle values.

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 95.52%
Held by the ten largest 52.42%
Holder Shares Stake Change
Vanguard 28.93m 9.50% +807.97k
BlackRock 28.63m 9.40% +98.16k
Berkshire Hathaway 27.00m 8.87% −2.00m
HARRIS ASSOCIATES L P 25.60m 8.40% −199.35k
Wellington Management 10.31m 3.38% −1.05m
Dimensional Fund Advisors 9.33m 3.06% +313.03k
State Street 8.89m 2.92% +202.41k
Sessa Capital IM, L.P. 8.49m 2.79% 0.00
Arrowstreet Capital 6.86m 2.25% +79.17k
Geode Capital Management 5.61m 1.84% +266.68k
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Ally Financial Inc. (ALLY) Latest News

5 Nov

Impact 3 · · MarketBeat

28 Oct

Impact 3 · · Barchart

27 Oct

Impact 4 · · wardsauto.com
Impact 4 · · PR Newswire

25 Oct

Impact 3 · · Simply Wall St.

24 Oct

Impact 3 · · Simply Wall St.

21 Oct

Impact 4 · · StockStory
Impact 3 · · Simply Wall St.

20 Oct

Impact 4 · · Moby earnings
Impact 4 · · The Motley Fool
Impact 4 · · The Motley Fool transcript
Impact 4 · · MarketBeat transcript
Impact 3 · · americanbanker.com
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · StockStory
Impact 3 · · Associated Press
Impact 3 · · PR Newswire

19 Oct

Impact 3 · · 24/7 Wall St.
Impact 3 · · StockStory

16 Oct

Impact 3 · · Simply Wall St.

15 Oct

Impact 3 · · Insider Monkey
Impact 3 · · PR Newswire
Impact 3 · · Zacks

12 Oct

Impact 4 · · MT Newswires
Impact 3 · · MT Newswires

8 Oct

Impact 3 · · Trefis

7 Oct

Impact 4 · · bankingdive.com
Impact 3 · · StockStory

2 Oct

Impact 3 · · StockStory

ALLY metrics, ten years each

stockrow.com/ALLY · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com