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Ally Financial Inc.

NYSE•ALLY
CEO: Mr. Russell E . Hutchinson
Sector: Financial Services
Industry: Financial - Credit Services
Listing Date: 2014-01-28
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States, Canada, and Bermuda. The company operates through Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations segments. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings. It also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.
Contact Information
Ally Detroit Center, Floor 10 500 Woodward Avenue, Detroit, MI, 48226, United States
866-710-4623
www.ally.com
Market Cap
$11.53B
P/E (TTM)
13.6
29.5
Dividend Yield
3.2%
52W High
$47.27
52W Low
$29.52
52W Range
44%
Rank58Top 85.6%
2.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 2.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$3.94B-77.72%
4-Quarter Trend

EPS

$0.97+273.08%
4-Quarter Trend

FCF

-$239.00M-100.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Rises Significantly Net income from continuing operations rose to $852M in 2025 from $669M in 2024, primarily due to a significant $689M decrease in the provision for credit losses.
Capital Ratios Strengthened Ally Inc. CET1 ratio improved to 10.23% (up from 9.82% in 2024), reflecting successful capital management and maintenance of regulatory buffers.
Automotive Originations Grew Consumer automotive originations grew $4.5B year-over-year to $43.7B in 2025, driven by strong dealer engagement and optimized credit tier focus.
Asset Quality Trends Improved Net charge-offs decreased to $1.72B in 2025 from $2.04B in 2024, reflecting better portfolio performance and stable used vehicle pricing.

Risk Factors

Demanding Regulatory Environment Subject to enhanced prudential standards, stress testing, and potential new capital framework revisions limiting operational flexibility and increasing compliance costs.
Concentration Risk with OEMs Significant customer base concentration exists with GM and Stellantis dealers, exposing results to adverse OEM production or sales changes.
Interest Rate Sensitivity Exposure Balance sheet remains liability sensitive medium-term, potentially constraining NIM if deposit funding costs outpace asset repricing faster than expected.
Technology and Third-Party Reliance Extensive reliance on technology and third-party service providers creates ongoing exposure to cybersecurity threats and potential operational disruptions.

Outlook

Focus on Core Business Franchises Strategic objective centers on delivering differentiated value across Dealer Financial Services, Corporate Finance, and growing the digital Ally Bank platform.
Digital Efficiency Investments Expect continued investment in data, AI, and automation solutions to drive operating efficiencies across the organization and enhance customer service delivery.
Mortgage Portfolio Run-off Consumer mortgage originations ceased in Q2 2025, resulting in a gradual run-off of the existing held-for-investment portfolio.
Capital Actions Contingent Future capital distributions, including dividends and buybacks, are contingent upon FRB approval and maintenance of required stress capital buffers.

Peer Comparison

Revenue (TTM)

SYF stock ticker logoSYF
$19.12B
-2.9%
ALLY stock ticker logoALLY
$15.20B
-7.2%
OMF stock ticker logoOMF
$6.24B
+9.1%

Gross Margin (Latest Quarter)

CACC stock ticker logoCACC
98.8%
+37.0pp
NAVI stock ticker logoNAVI
88.4%
+316.6pp
SLM stock ticker logoSLM
64.4%
+23.5pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
SYF$23.58B6.621.1%12.7%
ALLY$11.53B13.65.7%11.1%
FCFS$8.61B26.515.2%53.2%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
4.7%
Moderate Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 15, 2026
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LTM
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