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Stocks · Financials · State Commercial Banks

Ally Financial Inc.

ALLY Clue Score55
United States Fiscal year ends December CIK 0000040729
$37.59 -0.63% Close, 9 Oct 2026
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Price $37.59 −28.32% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue5.44Net income1.07EPS, diluted2.15Fiscal year 2017Revenue5.77 +6.0%Net income0.93 −12.9%EPS, diluted2.04 −5.1%Fiscal year 2018Revenue0.69 −88.0%Net income1.26 +36.0%EPS, diluted2.95 +44.6%Fiscal year 2019Revenue0.73 +5.5%Net income1.72 +35.8%EPS, diluted4.34 +47.1%Fiscal year 2020Revenue0.75 +3.6%Net income1.09 −36.7%EPS, diluted2.88 −33.6%Fiscal year 2021Revenue0.85 +13.1%Net income3.06 +182.0%EPS, diluted8.22 +185.4%Fiscal year 2022Revenue0.91 +6.6%Net income1.71 −44.0%EPS, diluted5.03 −38.8%Fiscal year 2023Revenue0.97 +6.6%Net income0.96 −44.2%EPS, diluted2.77 −44.9%Fiscal year 2024Revenue1.20 +23.8%Net income0.67 −30.2%EPS, diluted1.80 −35.0%Fiscal year 2025Revenue1.24 +3.8%Net income0.85 +27.5%EPS, diluted2.37 +31.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 5.44 5.77 0.69 0.73 0.75 0.85 0.91 0.97 1.20 1.24
Growth +6.0% −88.0% +5.5% +3.6% +13.1% +6.6% +6.6% +23.8% +3.8%
Net income 1.07 0.93 1.26 1.72 1.09 3.06 1.71 0.96 0.67 0.85
Growth −12.9% +36.0% +35.8% −36.7% +182.0% −44.0% −44.2% −30.2% +27.5%
EPS, diluted 2.15 2.04 2.95 4.34 2.88 8.22 5.03 2.77 1.80 2.37
Growth −5.1% +44.6% +47.1% −33.6% +185.4% −38.8% −44.9% −35.0% +31.7%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin19.6%Fiscal year 2017Net margin16.1%Fiscal year 2018Net margin183.3%Fiscal year 2019Net margin235.9%Fiscal year 2020Net margin144.1%Fiscal year 2021Net margin359.2%Fiscal year 2022Net margin188.8%Fiscal year 2023Net margin98.9%Fiscal year 2024Net margin55.8%Fiscal year 2025Net margin68.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 19.6% 16.1% 183.3% 235.9% 144.1% 359.2% 188.8% 98.9% 55.8% 68.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flow
Fiscal year 2016Operating cash flow4.57Buybacks−0.34Dividends paid−0.11Fiscal year 2017Operating cash flow4.08Buybacks−0.75Dividends paid−0.18Fiscal year 2018Operating cash flow4.15Buybacks−0.94Dividends paid−0.24Fiscal year 2019Operating cash flow4.05Buybacks−1.04Dividends paid−0.27Fiscal year 2020Operating cash flow3.74Buybacks−0.11Dividends paid−0.29Fiscal year 2021Operating cash flow4.04Buybacks−1.99Dividends paid−0.32Fiscal year 2022Operating cash flow6.25Buybacks−1.65Dividends paid−0.38Fiscal year 2023Operating cash flow4.56Buybacks−0.03Dividends paid−0.37Fiscal year 2024Operating cash flow4.53Buybacks−0.04Dividends paid−0.37Fiscal year 2025Operating cash flow3.73Buybacks−0.06Dividends paid−0.38
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 4.57 4.08 4.15 4.05 3.74 4.04 6.25 4.56 4.53 3.73
Buybacks −0.34 −0.75 −0.94 −1.04 −0.11 −1.99 −1.65 −0.03 −0.04 −0.06
Dividends paid −0.11 −0.18 −0.24 −0.27 −0.29 −0.32 −0.38 −0.37 −0.37 −0.38

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash5.93Total debt53.81Net cash (debt)−47.88Shareholders’ equity13.32Debt to equity4.04Fiscal year 2017Cash4.25Total debt44.23Net cash (debt)−39.97Shareholders’ equity13.49Debt to equity3.28Fiscal year 2018Cash4.54Total debt44.19Net cash (debt)−39.66Shareholders’ equity13.27Debt to equity3.33Fiscal year 2019Cash3.56Total debt34.03Net cash (debt)−30.47Shareholders’ equity14.42Debt to equity2.36Fiscal year 2020Cash15.62Total debt22.01Net cash (debt)−6.39Shareholders’ equity14.70Debt to equity1.50Fiscal year 2021Cash5.06Total debt17.03Net cash (debt)−11.97Shareholders’ equity17.05Debt to equity1.00Fiscal year 2022Cash5.57Total debt17.76Net cash (debt)−12.19Shareholders’ equity12.86Debt to equity1.38Fiscal year 2023Cash6.95Total debt17.57Net cash (debt)−10.63Shareholders’ equity13.70Debt to equity1.28Fiscal year 2024Cash10.29Total debt17.50Net cash (debt)−7.20Shareholders’ equity13.90Debt to equity1.26Fiscal year 2025Cash10.03Total debt17.07Net cash (debt)−7.04Shareholders’ equity15.50Debt to equity1.10
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 5.93 4.25 4.54 3.56 15.62 5.06 5.57 6.95 10.29 10.03
Total debt 53.81 44.23 44.19 34.03 22.01 17.03 17.76 17.57 17.50 17.07
Net cash (debt) −47.88 −39.97 −39.66 −30.47 −6.39 −11.97 −12.19 −10.63 −7.20 −7.04
Shareholders’ equity 13.32 13.49 13.27 14.42 14.70 17.05 12.86 13.70 13.90 15.50
Debt to equity 4.04 3.28 3.33 2.36 1.50 1.00 1.38 1.28 1.26 1.10

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
29.1% 26.1% 235.4% 270.6% 187.8% 452.5% 257.9% 113.9% 69.8% 84.5%
19.6% 16.1% 183.3% 235.9% 144.1% 359.2% 188.8% 98.9% 55.8% 68.5%
Spending
29.7% 38.6% 22.1% 12.5% 23.2% 20.5% 26.8% 13.1% 20.0% 18.9%
Returns
8.0% 6.9% 9.5% 11.9% 7.4% 17.9% 13.3% 7.0% 4.8% 5.5%
0.7% 0.6% 0.7% 0.9% 0.6% 1.7% 0.9% 0.5% 0.3% 0.4%
Balance and payout
4.04 3.28 3.33 2.36 1.50 1.00 1.38 1.28 1.26 1.10
91.9% 91.9% 92.6% 92.0% 91.9% 90.6% 93.3% 93.0% 92.8% 92.1%
10.1% 19.8% 19.2% 15.9% 26.6% 10.6% 22.4% 38.5% 55.7% 44.5%