Saturday 17 October 2026 Export ALLY’s income statement to Excel — free account

Ally Financial Inc.

Ally Financial Inc.’s revenue for fiscal 2025 (year ended December 2025) was $15.3 billion, down 6.89% from fiscal 2024. In the quarter to June 2026, revenue grew 4.52%, EPS grew 13.3%, free cash flow grew 42.9% and total debt rose 7.41%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

37.68 0.05 −0.13%

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Market cap: $11.5B
P/E: 8.8×
Fwd P/E: 8.4×
Dividend yield: 3.18%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 1.49

Total sells 2.22

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	2	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	1	1	—	—	1	—	—

Insider Ownership 2.12%

Capital & Financial Ratios $m

Market Cap 11,480.00

Revenue 15,866.00

Net Income 1,454.00

Free Cash Flow 4,566.00

Net Debt 9,213.00

Current Ratio 0.92

Debt/Equity 1.10

P/E ratio 8.78

Fwd P/E 8.44

P/S ratio 0.73

P/B ratio 0.86

Past 5Y EPS Growth (3.82%)

This Y EPS Growth 32.37%

Next Y EPS Growth 21.43%

Next Y revenue growth (40.95%)

Next 5Y EPS Growth 21.73%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 38.68%

10-year low 10-year high

P/S against its own 10 years 23.48%

10-year low 10-year high

P/B against its own 10 years 43.02%

10-year low 10-year high

Dividends

Payout Ratio 0.28

Annual Dividend Rate 1.20

Annual Dividend Yield 3.18%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.21	0.30 0.30 0.30
2025	1.20	0.30 0.30 0.30 0.30
2024	1.20	0.30 0.30 0.30 0.30
2023	1.20	0.30 0.30 0.30 0.30
2022	1.20	0.30 0.30 0.30 0.30
2021	0.88	0.19 0.19 0.25 0.25
2020	0.76	0.19 0.19 0.19 0.19
2019	0.68	0.17 0.17 0.17 0.17
2018	0.56	0.13 0.13 0.15 0.15
2017	0.40	0.08 0.08 0.12 0.12
2016	0.16	0.08 0.08

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	6,945	10,292	10,030	7,840
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	145,946	145,558	147,387	151,203

	2023	2024	2025	Q'26
Payables	154,666	151,574	151,649	154,046
ST’ Debt	—	—	—	—
Other	—	—	—	—
	161,547	156,903	159,778	163,535

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	3,887	4,067	—	—	—
’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	—	—	—
’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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.93	1.18	—	—	—
’25	(0.82)	1.04	1.18	0.95	2.37
’24	0.42	0.86	0.64	0.26	1.80
’23	0.96	0.99	0.88	0.16	2.98
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	14.55	18.11	20.60	22.08	10.22	35.30	22.34	21.59	31.78	29.52	Analyst estimates 2026–2028 Powerpack
	High	20.60	29.50	31.29	35.42	35.92	56.61	53.83	35.78	45.46	46.79
People
People	Employees	7,600	7,900	8,200	8,700	9,500	9,500	11,600	11,100	10,700	10,300
	Revenue/emp, $m	1.29	1.25	1.28	1.34	1.13	1.13	1.05	1.44	1.53	1.48
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
	Gross margin, %	73.27	71.04	65.25	63.48	69.92	82.10	76.58	56.82	54.41	58.01
	EBT	1,581	1,507	1,622	1,967	1,414	3,855	2,342	1,103	836	1,051
	EBT margin, %	16.08	15.27	15.50	16.93	13.12	36.06	19.20	6.91	5.10	6.89
	Net income	1,067	929	1,263	1,715	1,085	3,060	1,714	957	668	852
	Depreciation	2,382	1,859	1,649	1,555	1,600	1,261	1,327	1,376	1,317	1,702
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
	Earnings	2.15	2.05	2.97	4.36	2.89	8.28	5.06	3.00	1.82	2.39
	Cash flow	9.49	8.99	9.76	10.30	9.95	11.15	19.73	15.00	14.75	12.03
	Capex	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	Free cash flow	9.49	8.99	9.76	10.30	9.95	11.15	19.73	15.00	14.75	12.03
	Book value	27.68	29.74	31.21	36.66	39.14	47.02	40.60	45.11	45.30	49.99
	Shares, m	481	454	425	393	376	363	317	304	307	310
Valuation, ×
Valuation, ×	P/E	8.90	14.36	7.66	7.01	12.38	5.78	4.90	11.83	16.49	18.95
	P/S	0.94	1.35	0.92	1.03	1.24	1.61	0.63	0.67	0.67	0.92
	P/B	0.69	0.99	0.73	0.83	0.91	1.17	0.73	0.94	0.95	1.07
	EV/Sales	5.84	5.41	4.71	3.66	1.83	2.73	1.63	1.34	1.11	1.38
	EV/FCF	12.58	13.07	11.88	10.49	5.29	7.23	3.19	4.69	4.03	5.65
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
	Capex	(3,274)	(4,052)	(3,709)	(4,023)	(4,320)	(5,120)	(3,532)	—	—	—
	Free cash flow	4,567	4,079	4,150	4,050	3,739	4,042	6,247	4,557	4,528	3,729
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)
	Total debt	54,128	44,226	44,193	34,027	22,006	17,029	17,762	17,570	17,495	17,070
	Net debt	48,194	39,974	39,656	30,472	6,385	11,967	12,191	10,625	7,203	7,040
	Shareholders’ equity	13,317	13,494	13,268	14,416	14,703	17,050	12,859	13,703	13,903	15,498
Returns, %
Returns, %	ROA	0.64	0.56	0.73	0.95	0.60	1.68	0.92	0.44	0.29	0.38
	ROIC	1.61	1.76	1.92	2.74	4.19	8.30	5.84	2.83	2.48	2.91
	ROE	7.96	6.93	9.44	12.39	7.45	20.80	13.57	7.73	4.86	6.00

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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.	$25.6B	13.0×	35.7×	+33.04% (above 0%: growing)	+2,171.43% (above 0%: growing)	+875.00% (above 0%: growing)	58.84%	12.63%	Compare
SYF Synchrony Financial	$24.1B	7.5×	7.6×	+0.28% (above 0%: growing)	+3.98% (above 0%: growing)	−5.47% (below 0%: shrinking)	82.95%	0.00%	Compare
SOFI SoFi Technologies, Inc.	$19.5B	28.5×	26.8×	+39.09% (above 0%: growing)	+33.33% (above 0%: growing)	−160.17% (below 0%: shrinking)	77.57%	0.00%	Compare
ALLY Ally Financial Inc.	$11.5B	8.8×	8.4×	+4.52% (above 0%: growing)	+13.33% (above 0%: growing)	+42.87% (above 0%: growing)	62.82%	0.00%
FCFS FirstCash Holdings, Inc.	$9.4B	24.6×	22.4×	+29.38% (above 0%: growing)	+58.21% (above 0%: growing)	+80.67% (above 0%: growing)	49.66%	14.92%	Compare
OMF OneMain Holdings, Inc.	$6.4B	8.4×	7.6×	+7.19% (above 0%: growing)	−5.71% (below 0%: shrinking)	+3.36% (above 0%: growing)	79.93%	0.00%	Compare
CACC Credit Acceptance Corporation	$5.7B	11.7×	10.5×	+0.62% (above 0%: growing)	+71.79% (above 0%: growing)	+120.88% (above 0%: growing)	100.00%	50.07%	Compare
KLAR Klarna Group plc	$5.1B	— (loss-making)	8.2×	+26.61% (above 0%: growing)	n/m	−129.24% (below 0%: shrinking)	61.23%	2.59%	Compare
NNI Nelnet, Inc.	$4.6B	15.3×	15.0×	−22.95% (below 0%: shrinking)	−62.78% (below 0%: shrinking)	−52.33% (below 0%: shrinking)	79.01%	0.00%	Compare
Median of peers	$7.9B	13.0×	12.8×	+16.90%	+33.33%	−1.05%	78.29%	1.30%

All 55 Credit Services stocks →

Ally Financial Inc. (ALLY) key facts

Concern: Ally Financial Inc.’s revenue for fiscal 2025 (year ended December 2025) was $15.3 billion, down 6.89% from fiscal 2024.
Ally Financial Inc. (ALLY) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, ALLY traded at $37.68, a market capitalization of $11.5 billion.
Ally Financial Inc. pays an annual dividend of $1.20 per share, a yield of 3.18%, with a payout ratio of 28.3%.
Return on equity was 6.00% and debt-to-equity 1.10.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.