Ally Financial Inc. (ALLY)

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations. It 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; and financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The company also provides consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers; VSCs, VMCs, and GAP products; and underwrite select commercial insurance coverages, which primarily insure dealers' vehicle inventory. In addition, it provides senior secured asset-based and leveraged cash flow loans to middle-market companies; leveraged loans; commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings; and treasury activities, such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, original issue discount, and equity investments. Further, the company offers deposits and 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.

Ticker
ALLY
Exchange
NYSE
Sector
Financial Services
Industry
Credit Services
Market cap
$11.47B
52-week range
$35.92 - $47.29

Valuation

Share price
$38.17 (close of Nov 6, 2026)
P/E (TTM)
8.64x
Price to book
0.77x
Price to free cash flow
2.31x
Enterprise value
$27.65B
Book value per share
$49.81

Price performance

PeriodChange
1 day-1.70%
5 days0.00%
1 month+1.46%
3 months-13.37%
6 months-13.84%
Year to date-15.72%
1 year-1.19%
3 years+43.87%
5 years-22.81%
10 years+122.44%
All time+46.99%

Short interest

As of
Oct 15, 2026
Short % of float
4.15%
Shares short
12.44M
Days to cover
2.94
Change since prior report
-20.04%
Source
FINRA consolidated short interest

Members of Congress who disclosed ALLY trades

Josh Gottheimer

Super investors holding ALLY

Warren Buffett (Berkshire Hathaway) · Bill Nygren (Harris Associates LP) · George Soros (Soros Fund Mgmt) · Ken Griffin (Citadel) · Tweedy Browne (Tweedy Browne Company LLC)

Profitability and growth

Return on equity
5.50%
Return on assets
0.43%
Net margin
10.77%
Revenue growth
-3.26%
Net income growth
27.54%
Free cash flow growth
-17.65%

Cash flow and balance sheet

Free cash flow yield (TTM)
43.23%
Net debt to EBITDA
1.70x

Latest reported year

Period end
Dec 31, 2025
Fiscal year
2025
Revenue
$7.91B
Net income
$852.00M
Earnings per share
$2.39
Interest expense
$6.41B
Shares outstanding
310.01M

Income statement by year

Period endRevenueNet incomeEPS
2025-12-31$7.91B$852.00M$2.39
2024-12-31$8.18B$668.00M$1.82
2023-12-31$8.23B$957.00M$2.79
2022-12-31$8.43B$1.71B$5.06
2021-12-31$8.21B$3.06B$8.28
2020-12-31$6.69B$1.08B$2.89
2019-12-31$6.39B$1.72B$4.36
2018-12-31$5.80B$1.26B$2.97
2017-12-31$5.76B$929.00M$2.05
2016-12-31$5.44B$1.07B$2.15

Margins and returns by year

Period endNet marginReturn on equity
2025-12-3110.77%5.50%
2024-12-318.17%4.80%
2023-12-3111.62%6.98%
2022-12-3120.34%13.33%
2021-12-3137.29%17.95%
2020-12-3116.23%7.38%
2019-12-3126.82%11.90%
2018-12-3121.76%9.52%
2017-12-3116.11%6.88%
2016-12-3119.62%8.01%

Cash and debt by year

Period endCashDebt
2025-12-31$10.03B$14.41B
2024-12-31$10.29B$12.68B
2023-12-31$6.95B$13.23B
2022-12-31$5.57B$13.34B
2021-12-31$5.06B$11.16B
2020-12-31$15.62B$16.92B
2019-12-31$3.56B$24.81B
2018-12-31$4.54B$35.22B
2017-12-31$4.25B$33.19B
2016-12-31$5.93B$39.26B

Free cash flow by year

Period endFree cash flowStock-based compensation
2025-12-31$3.73B-
2024-12-31$4.53B-
2023-12-31$4.56B-
2022-12-31$6.25B-
2021-12-31$4.04B-
2020-12-31$3.74B$80.00M
2019-12-31$4.05B$67.00M
2018-12-31$4.15B$72.00M
2017-12-31$4.08B$60.00M
2016-12-31$4.57B-

Dividend history

Most recent payment
Nov 2, 2026
Paid in the last twelve months
$1.25
Payment dateDividend per share
2026-11-02$0.35
2026-07-31$0.30
2026-05-01$0.30
2026-02-02$0.30
2025-10-31$0.30
2025-08-01$0.30
2025-05-01$0.30
2025-01-31$0.30

Investor relations

Past earnings dates

ReportedFiscal periodEPS estimate
2026-10-20Sep 2026$1.32
2026-07-21Jun 2026$1.25
2026-04-17Mar 2026$0.93
2026-01-21Dec 2025$1.01
2025-10-17Sep 2025$0.99
2025-07-18Jun 2025$0.78
2025-04-17Mar 2025$0.43
2025-01-22Dec 2024$0.57

Filings and sources

Company website
ally.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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Understanding these figures

Price-to-earnings ratio · Short interest · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart

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