Ally Financial Inc. (ALLY) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q2 26	$1.1	$1.17	+6.4%	—	$2.5B	—
Q1 26	$0.94	$1.11	+18.1%	—	$2.4B	—
Q4 25	$1.02	$1.09	+6.9%	—	$2.4B	—
Q3 25	$1.01	$1.15	+13.9%	—	$2.4B	—
Q2 25	$0.81	$0.99	+22.2%	—	$2.3B	—
Q1 25	$0.07	-$0.82	-1271.4%	—	$1.8B	—
Q4 24	$0.58	$0.78	+34.5%	—	$2.2B	—
Q3 24	$0.52	$0.95	+82.7%	—	$2.3B	—
Q2 24	$0.63	$0.97	+54.0%	—	$2.2B	—
Q1 24	$0.33	$0.45	+36.4%	—	$2.2B	—
Q4 23	$0.45	$0.45	0.0%	—	$2.3B	—
Q3 23	$0.8	$0.83	+3.7%	—	$2.2B	—
Q2 23	$0.94	$0.96	+2.1%	—	$2.3B	—
Q1 23	$0.87	$0.82	-5.7%	—	$2.3B	—
Q4 22	$0.98	$1.08	+10.2%	—	$2.4B	—
Q3 22	$1.73	$1.12	-35.3%	—	$2.2B	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$2.39	—	—	$8.8B	—
FY24	—	$1.82	—	—	$8.9B	—
FY23	—	$3	—	—	$9.1B	—
FY22	—	$5.06	—	—	$9.2B

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$7.2B	$7B	$6.8B	$7.3B	$7.5B	$8.8B	$9.2B	$9.1B	$8.9B	$8.8B
YoY change	-3.06%	-2.69%	-3.02%	+7.83%	+2.23%	+17.4%	+5.24%	-1.84%	-1.91%	-1.43%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	7.2B	7B	6.8B	7.3B	7.5B	8.8B	9.2B	9.1B	8.9B	8.8B
Cost of revenue	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	2.1B	2.2B	2.3B	2.5B	2.7B	3B	3.4B	3.6B	3.3B	3.4B
Operating expenses	2.1B	2.2B	2.3B	2.5B	2.7B	3B	3.4B	3.6B	3.3B	3.4B
Operating income	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—
Pretax income	1.6B	1.5B	1.6B	2B	1.4B	3.9B	2.3B	1.1B	836M	1.1B
Income tax	470M	581M	359M	246M	328M	790M	627M	61M	167M	199M
Net income	1.1B	929M	1.3B	1.7B	1.1B	3.1B	1.7B	1B	668M	852M
Net margin	14.8%	13.3%	18.6%	23.4%	14.5%	34.9%	18.5%	11.2%	7.51%	9.71%
EBITDA	—	—	—	—	—	—	—	—	—	—
EPS	2.15	2.05	2.97	4.36	2.89	8.44	5.06	3	1.82	2.39
Diluted EPS	2.15	2.04	2.95	4.34	2.88	8.22	5.03	2.98	1.8	2.37

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	2.2B	2.3B	2.2B	2.2B	2.3B	2.2B	1.8B	2.3B	2.4B	2.4B	2.4B	2.5B
Cost of revenue	—	—	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	891M	784M	865M	863M	803M	787M	888M	853M	811M	808M	824M	887M
Operating expenses	891M	784M	865M	863M	803M	787M	888M	853M	811M	808M	824M	887M
Operating income	—	—	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—	—	—
Pretax income	228M	64M	171M	257M	233M	175M	-284M	436M	513M	386M	400M	537M
Income tax	-68M	-13M	14M	-37M	-124M	314M	-59M	84M	115M	59M	81M	127M
Net income	296M	76M	157M	294M	357M	-140M	-225M	352M	398M	327M	319M	410M
Net margin	13.6%	3.32%	7.14%	13.6%	15.6%	-6.25%	-12.8%	15.4%	16.8%	13.8%	13.6%	16.1%
EBITDA	—	—	—	—	—	—	—	—	—	—	—	—
EPS	0.88	0.16	0.42	0.87	1.07	0.26	-0.82	1.05	1.19	0.97	0.93	1.19
Diluted EPS	0.88	0.16	0.42	0.86	1.06	0.26	-0.82	1.04	1.18	0.95	0.93	1.18

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	9.2B	13.2B	9.6B	12B	13.4B	17.3B	—	10.6B	11.1B	14B	11.6B
Enterprise value	54.6B	49.2B	42.7B	19.8B	-7.6B	-4B	—	4.2B	980.9M	6.1B	28.9B
Shares outstanding	481.1M	453.7M	425.2M	393.2M	375.6M	362.6M	316.7M	303.8M	306.9M	310M	310M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	8.58	14.2	7.63	7.01	12.3	5.64	—	10.4	16.5	16.5	9.01
P/S	1.27	1.89	1.42	1.64	1.79	1.97	—	1.17	1.24	1.6	1.47
P/B	0.69	0.98	0.73	0.83	0.91	1.01	—	0.77	0.79	0.91	0.86
EV/Sales	7.6	7.04	6.29	2.71	-1.01	-0.45	—	0.46	0.11	0.69	3.66
Earnings yield	11.7%	7.02%	13.1%	14.3%	8.1%	17.7%	—	9.62%	6.04%	6.07%	11.1%
FCF yield	14.1%	0.2%	4.58%	0.22%	-4.34%	-6.24%	—	18%	9.66%	-3.89%	6.39%
PEG	—	—	—	—	—	—	—	—	—	—	0.68

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Operating margin	—	—	—	—	—	—	—	—	—	—	25.3%
Net margin	14.8%	13.3%	18.6%	23.4%	14.5%	34.9%	18.5%	11.2%	7.51%	9.71%	18.4%
ROE	8.01%	6.88%	9.52%	11.9%	7.38%	17.9%	13.3%	7.41%	4.8%	5.5%	9.68%
ROA	—	—	—	—	—	—	—	—	0.35%	0.43%	0.75%
Return on tangible assets	—	—	—	—	—	—	—	—	0.35%	0.44%	0.73%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Debt / equity	4.93	4.06	4.05	2.76	1.65	1.01	1.54	1.47	1.38	1.38	0.01
Debt / assets	—	—	—	—	—	—	—	—	0.1	0.11	0.11
Effective tax rate	29.7%	38.6%	22.1%	12.5%	23.2%	20.5%	26.8%	5.63%	20%	18.9%	20.8%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	14.9	15.4	16	18.6	19.9	24.2	29.2	29.9	29	28.3	25.5
EPS (basic)	2.15	2.05	2.97	4.36	2.89	8.44	5.06	3	1.82	2.39	2.39
EPS (diluted)	2.15	2.04	2.95	4.34	2.88	8.22	5.03	2.98	1.8	2.37	4.25
Book value per share	27.7	29.7	31.2	36.7	39.1	47	40.6	45.3	45.3	50	44.4
FCF per share	2.69	0.06	1.04	0.07	-1.55	-2.97	8.57	6.27	3.48	-1.76	2.45
Cash per share	41.9	41.3	48.5	81.2	120.6	106	98.6	87.8	95.5	94.5	26
Capex per share	6.3	3.34	1.46	3.56	4.36	4.64	1.61	1.2	1.13	—	—

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	42.2%	21.7%	9.14%	19.1%	21.9%	19.2%	5.51%	4%	3.91%	—	—
Capex / operating cash flow	89.4%	59%	21.6%	44.5%	70.6%	42.9%	12%	13.1%	12.5%	—	—
Payout ratio	10.1%	19.8%	19.2%	15.9%	26.6%	12.5%	28.8%	46.9%	72.2%	57.4%	28.2%
Dividend yield	1.18%	1.39%	2.51%	2.27%	2.16%	2.21%	—	4.51%	4.36%	3.48%	3.14%

Yield

3.14%

trailing twelve months

Frequency

Quarterly

Last dividend

$0.30

ex-dividend Jul 31, 2026

Payout ratio

28%

of earnings

Dividend growth

0 years

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Jul 31, 2026	$0.30
May 1, 2026	$0.30
Feb 2, 2026	$0.30
Oct 31, 2025	$0.30
Aug 1, 2025	$0.30
May 1, 2025	$0.30
Jan 31, 2025	$0.30

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$2.2B	$2.3B	$2.2B	$2.2B	$2.3B	$2.2B	$1.8B	$2.3B	$2.4B	$2.4B	$2.4B	$2.5B
YoY change	-1.41%	-5.95%	-6.23%	-4.37%	+5.62%	-2.18%	-20.2%	+5.45%	+3.31%	+5.45%	+34.1%	+11.4%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	20.2B	18.8B	20.6B	31.9B	45.3B	38.4B	31.2B	26.7B	29.3B	29.3B
Receivables	476M	550M	599M	589M	704M	600M	786M	935M	929M	941M
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	11.8B	9.2B	19.1B	20.1B	10.5B	12.2B	11.8B	10.5B	9.3B	10B
Goodwill & intangibles	480M	480M	598M	924M	786M	1.9B	1.8B	1.5B	1.2B	380M
Total assets	—	—	—	—	—	—	—	—	191.8B	196B
Accounts payable	1B	1.1B	1B	1.2B	1B	794M	843M	1.4B	1.4B	1.1B
Short-term debt	11.5B	10.5B	9.3B	5.5B	2.1B	0	1.9B	2.5B	1.6B	4.2B
Total current liabilities	—	—	—	—	—	—	—	—	—	—
Long-term debt	54.1B	44.2B	44.4B	34.2B	22.2B	17.2B	17.9B	17.7B	17.6B	17.2B
Total liabilities	—	—	—	—	—	—	—	—	177.9B	180.5B
Shareholders' equity	13.3B	13.5B	13.3B	14.4B	14.7B	17.1B	12.9B	13.8B	13.9B	15.5B
Total debt	65.6B	54.7B	53.7B	39.8B	24.3B	17.2B	19.8B	20.2B	19.2B	21.3B
Net debt	59.5B	50.5B	49.1B	36.2B	8.7B	12.1B	14.2B	13.3B	8.9B	11.3B

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	30.9B	26.7B	28.1B	25.4B	28.5B	29.3B	28.6B	28.8B	29.2B	29.3B	29.1B	27.5B
Receivables	898M	935M	941M	936M	945M	929M	889M	887M	896M	941M	930M	950M
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	11B	10.5B	10.1B	9.7B	9.7B	9.3B	9.2B	9.3B	9.9B	10B	9.9B	9.8B
Goodwill & intangibles	1.8B	1.5B	1.5B	1.5B	1.5B	1.2B	380M	380M	380M	380M	380M	380M
Total assets	—	—	192.9B	192.5B	193B	191.8B	193.3B	189.5B	191.7B	196B	197.3B	199.8B
Accounts payable	1.9B	1.4B	1.6B	1.7B	2B	1.4B	2.1B	1.5B	1.7B	1.1B	1.4B	1.5B
Short-term debt	7.6B	2.5B	4.6B	6.1B	5.1B	1.6B	2.5B	2.9B	3.4B	4.2B	3.6B	5.2B
Total current liabilities	—	—	—	—	—	—	—	—	—	—	—	—
Long-term debt	14.2B	17.7B	12.6B	11.6B	13.2B	17.6B	16.6B	16B	16.9B	17.2B	17.5B	17.2B
Total liabilities	—	—	179.2B	178.7B	178.3B	177.9B	179.1B	174.9B	176.6B	180.5B	181.7B	184.3B
Shareholders' equity	12.8B	13.8B	13.7B	13.9B	14.7B	13.9B	14.2B	14.5B	15.1B	15.5B	15.6B	15.5B
Total debt	21.9B	20.2B	17.1B	17.7B	18.3B	19.2B	19B	18.9B	20.2B	21.3B	21.1B	22.3B
Net debt	13.4B	13.3B	9B	10.3B	9.7B	8.9B	8.6B	8.3B	10B	11.3B	11.6B	14.5B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	1.1B	929M	1.3B	1.7B	1.1B	3.1B	1.7B	1B	668M	—
Depreciation & amortization	2.4B	1.9B	1.6B	1.6B	1.6B	1.3B	1.3B	1.2B	1.2B	1.4B
Stock-based compensation	—	—	—	—	—	—	—	—	—	—
Change in working capital	-160M	-117M	32M	-140M	-274M	-256M	1.3B	92M	496M	-265M
Operating cash flow	3.4B	2.6B	2.9B	3.1B	2.3B	3.9B	4.2B	2.8B	2.8B	3.7B
Capital expenditure	3B	1.5B	-620M	-1.4B	-1.6B	-1.7B	-509M	363M	348M	—
Investing cash flow	-670M	-3.6B	-5.7B	-4.6B	-412M	-7.7B	-2.3B	1.8B	3.8B	2.5B
Dividends paid	-108M	-184M	-242M	-273M	-289M	-381M	-494M	-478M	-482M	-489M
Share repurchases	-1B	-753M	-939M	-1B	-106M	-4.7B	-1.6B	-33M	-38M	-59M
Financing cash flow	-8.8B	-12.1B	-2.1B	-16.1B	-16.2B	-8.4B	872M	1.5B	-2.3B	2B
Net change in cash	-6.1B	-13.1B	-4.9B	-17.6B	-14.3B	-12.1B	2.8B	6.1B	4.2B	8.3B
Free cash flow	1.3B	27M	441M	27M	-581M	-1.1B	2.7B	1.9B	1.1B	-546M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Net income	296M	76M	157M	308M	446M	-140M	-225M	352M	398M	327M	319M	410M
Depreciation & amortization	310M	324M	322M	306M	348M	269M	361M	329M	338M	369M	378M	378M
Stock-based compensation	—	—	—	—	—	—	—	—	—	—	—	—
Change in working capital	587M	-1.1B	444M	282M	-299M	69M	-65M	-69M	240M	-371M	202M	264M
Operating cash flow	1.2B	-669M	870M	1.2B	707M	162M	124M	691M	1.2B	640M	1.4B	1.4B
Capital expenditure	131M	153M	180M	104M	-316M	109M	-138M	-309M	—	—	—	—
Investing cash flow	499M	387M	2.6B	325M	156M	447M	-1B	3.1B	177M	-157M	-175M	-247M
Dividends paid	-117M	-118M	-125M	-119M	-119M	-119M	-128M	-120M	-120M	-121M	-130M	-120M
Share repurchases	0	-4M	-29M	-1M	-1M	-7M	-34M	-1M	-1M	-23M	-147M	-1.5B
Financing cash flow	36M	-409M	-4B	2B	-662M	398M	502M	-213M	753M	972M	-589M	-149M
Net change in cash	1.8B	-691M	-559M	3.5B	201M	1B	-414M	3.6B	2.1B	1.5B	607M	957M
Free cash flow	987M	-602M	632M	750M	254M	-297M	121M	-134M	-282M	-251M	666M	629M

Ally Financial Inc. Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement

Split history