logo
Twitter
Discord
Email
logo
Ally Financial Inc.

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
$13.43B
P/E (TTM)
21.4
34.7
Dividend Yield
2.8%
52W High
$47.27
52W Low
$29.52
52W Range
79%
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

Q3 2025 Data

Revenue

$3.95B-5.53%
4-Quarter Trend

EPS

$1.19+11.21%
4-Quarter Trend

FCF

-$282.00M-586.21%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Declines Slightly Net income from continuing operations was $525M for nine months 2025, down 6% from $560M in 2024, driven by higher noninterest expense.
Provision Costs Significantly Lower Provision for credit losses dropped 38% to $990M for nine months 2025, aided by the Ally Credit Card sale and lower net charge-offs.
NIM Improves on Lower Costs Net interest spread increased 18 basis points to 3.12% for nine months 2025, reflecting lower total interest expense due to lower benchmark rates.
Strong Capital Ratios Maintained Ally Inc. CET1 ratio stood at 10.07% and Tier 1 leverage ratio at 9.18% as of September 30, 2025, showing solid capital strength.

Risk Factors

Consumer Credit Quality Mixed Consumer automotive 30+ days past due loans decreased $408M, but commercial criticized exposure remains elevated at 8.3% of total commercial loans.
Macroeconomic Uncertainty Elevated Elevated risks persist from tariffs, inflation, and geopolitical uncertainty, potentially impacting future loss frequency and loss given default assumptions.
Regulatory Capital Changes Looming Proposed Basel III revisions requiring recognition of AOCI could significantly affect regulatory capital levels, requiring gradual increases in preparation.
Operating Lease Residual Volatility Lower average gain per vehicle ($53 vs $771 Q3 2024) reflects lower auction prices, increasing residual risk exposure on operating leases.

Outlook

Mortgage Portfolio Run-off Consumer mortgage originations ceased in Q2 2025; the portfolio will experience a gradual run-off, impacting future financing revenue streams.
Continued Dealer Engagement Focus Automotive Finance outlook relies on strong dealer engagement and optimizing risk-adjusted returns, especially supporting electrification financing needs.
Managing Interest Rate Sensitivity Balance sheet remains liability sensitive medium-term; management actively monitors interest rate risk using sensitivity analysis and hedging strategies.
Credit Quality Monitoring Intensified Allowance for loan losses increased $44M from prior quarter to $3.5B, reflecting updated forecasts for slow GDP growth and unemployment peaking in 2026.

Peer Comparison

Revenue (TTM)

Synchrony FinancialSYF
$20.16B
-12.6%
Ally Financial Inc.ALLY
$15.29B
-7.5%
OneMain Holdings, Inc.OMF
$6.13B
+9.5%

Gross Margin (Latest Quarter)

Credit Acceptance CorporationCACC
61.8%
-0.2pp
Atlanticus Holdings CorporationATLC
56.9%
-39.6pp
Synchrony FinancialSYF
55.4%
+2.3pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
SYF$29.84B8.421.3%12.3%
ALLY$13.43B21.44.4%10.8%
OMF$7.77B11.121.4%82.8%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-0.8%
Flat Growth
4Q Net Income CAGR
54.5%
Profitability Improved
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 21, 2026
|
EPS:$1.01
|
Revenue:$2.14B
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 30, 2025|
    Revenue: $3.95B-5.5%
    |
    EPS: $1.19+11.2%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 4, 2025|
    Revenue: $3.88B-3.8%
    |
    EPS: $1.05+20.7%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 5, 2025|
    Revenue: $3.43B-16.7%
    |
    EPS: $-0.82-315.8%
    Miss

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 19, 2025|
    Revenue: $16.37B+2.5%
    |
    EPS: $1.82-35.0%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 5, 2024|
    Revenue: $4.18B+3.9%
    |
    EPS: $1.07+21.6%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 5, 2024|
    Revenue: $4.03B+2.2%
    |
    EPS: $0.87-12.1%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 6, 2024|
    Revenue: $4.12B+8.4%
    |
    EPS: $0.38-60.4%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 20, 2024|
    Revenue: $15.97B+32.0%
    |
    EPS: $2.80-44.7%
    Beat