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Stock research / United States / ALLY · State Commercial Banks · NYSE

Ally Financial Inc. (ALLY)

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Ally Financial Inc. (ALLY) reported revenue of $2.3 billion for Q2 FY2026, the quarter ended 30 June 2026, up 9.8% on the same quarter a year earlier. Net income was $410 million, up 16.5% on the year, and diluted earnings per share $1.18. The figures are the company's own, from the 10-Q it filed with the SEC on 23 July 2026.

Revenue$2.3 billionup 9.8%
Net income$410 millionup 16.5%
Diluted EPS$1.18
QuarterQ2 FY2026ended 30 June 2026

Ally Financial (ALLY) in brief

Ally Financial (ALLY) reported revenue of $7.9 billion for fiscal 2025, the year ended 31 December 2025, down 3.3% on the year before.
Read moreNet income was $852 million and diluted earnings per share $2.37. Revenue was $8.2 billion in fiscal 2024, $8.2 billion in fiscal 2023, $8.4 billion in fiscal 2022 and $8.2 billion in fiscal 2021. Net income in the same years was $668 million, $957 million, $1.7 billion and $3.1 billion. Over the twelve months to 30 June 2026, Ally Financial reported revenue of $8.7 billion and net income of $1.5 billion. Revenue grew 3.4% a year, compounded, over the five years to fiscal 2025. Ally Financial declared $1.20 a share in dividends over the last four quarters and had 305 million shares outstanding at the latest filed count. At the close of 8 October 2026 the market cap of Ally Financial was $11.5 billion, 8.9 times its earnings over the last twelve months.

Ratios

From the filings

ROE9.4%
Net margin16.8%
Debt to equity1.10
Share count, 1 year-1.1%
Sales CAGR, 3 years-2.1%
Profit CAGR, 3 years-20.8%
EPS, TTM$4.26

At the close of 8 October 2026

Price$37.83
Market cap$11.5 billion
Stock P/E8.88
Price to book0.74
EV / EBITDAn/a
Dividend yield3.2%
Market cap / sales1.33
52-week high$47.25
52-week low$35.96
Price, 1 year-3.2%
Price CAGR, 3 years14.1%
Price CAGR, 5 years-6.5%
Worked from the filed figures; hover a name for the formula.
Read moreThe priced ones use the latest daily close from SimFin. Debt to equity here stands on long-term debt as Ally Financial Inc. files it, with lease liabilities counted separately and never inside it. Ally Financial Inc. files on the bank format, which does not report a return on capital employed, an operating margin or interest cover, so those are left out here rather than shown as a blank. Free cash flow margin and cash conversion are left out too, by our choice: a bank's operating cash flow moves with its lending and deposits, so neither ratio means for a bank what it means for an operating company. Nothing here is a valuation or a view.
ALLYgreeksoup.ai
Daily closes to 8 October 2026, adjusted for splits; prices from SimFin.
Read moreDay by day for the last three years; before that one point a week, carrying the week's last close and its average daily volume, so a volume bar means the same thing across the whole series; the bars sit under the price on their own scale, on the right. The moving averages need consecutive days and are drawn from the daily part. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Before the quarters on file begin, P/E, price to book and market cap to sales stand on each annual report from the day it was filed. Drawn in your browser; the range and overlay you pick are remembered here only.

The public record on ALLY

Filings21 in twelve months: 12 current reports (8-K), about 4 other events; 4 results of operations; 3 charter or bylaw amendment, or fiscal year change; 2 officer or director change; 1 shareholder vote
Planned insider sales5 Form 144 notices in twelve months, $3.7 million; latest 4 August 2026
Options tapeput/call 0.62 by open interest at the 8 October 2026 close; the straddle prices a 3.7% move to 16 October 2026
13F holders12 of the followed funds hold it; largest Berkshire Hathaway; 1 Schedule 13D or 13G filing in twelve months
Insider trading4 sales and 2 purchases on Form 4 in twelve months
Congress1 House trade disclosed in six months
Short interest15.0 million shares short, 4.62 days to cover at 15 September 2026
Documentsthe 10-K, the 10-Qs, the proxy and 4 earnings press releases, each linked

Quarterly results, the last 12 quarters

Q3 FY2023 †Q4 FY2023 *Q1 FY2024 †Q2 FY2024 †Q3 FY2024 †Q4 FY2024 * †Q1 FY2025Q2 FY2025Q3 FY2025Q4 FY2025 *Q1 FY2026Q2 FY2026
Revenue1,9682,0671,9982,0222,1352,0261,5412,0822,1682,1232,1022,286
Interest expense1,8501,9081,922n/an/an/an/an/an/an/an/an/a
Pre-tax income22864.0183279265109-284436513386400537
Tax rate-22%16%22%22%25%0%n/a19%22%15%20%24%
Net income28562.0143219198108-225352398327319410
Net margin14%3%7%11%9%5%-15%17%18%15%15%18%
Diluted EPS$0.88$0.16$0.42$0.86$1.06n/a-$0.82$1.04$1.18$0.97$0.93$1.18
Operating cash flow1,660-17.01,2661,5759926209409471,2026401,3711,353
Buybacks0.04.029.01.01.07.034.01.01.023.0147148
Dividends paid90.091.097.091.092.092.010092.093.094.010292.0
Shares outstanding302m302m304m305m305m305m307m308m308m308m307m305m
Filing10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q
Each quarter as filed, linked to its filing.
Read more* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS and diluted share count are from the company's results press release for that quarter, used where the release gives the same revenue and net income as the table. A quarter marked † is shown as the company last restated it in a later filing, so it compares with the quarters around it on one basis; rest on a figure for the one first filed. EPS is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Income statement (profit and loss), 12 fiscal years and the trailing twelve months

FY2014 †FY2015 †FY2016 †FY2017FY2018FY2019FY2020FY2021FY2022FY2023 †FY2024FY2025TTM
Revenue4,6514,8615,4375,7655,8046,3946,6868,2068,4288,2348,1817,9148,679
Interest expense2,7832,4292,6292,8573,6374,2433,2431,9142,8576,897n/an/an/a
Pre-tax income1,2461,3931,5811,5071,6221,9671,4143,8552,3421,1038361,0511,836
Income tax321496470581359246328790627144167199382
Effective tax rate25.8%35.6%29.7%38.6%22.1%12.5%23.2%20.5%26.8%13.1%20.0%18.9%20.8%
Net income1,1501,2891,0679291,2631,7151,0853,0601,7149576688521,454
Net margin24.7%26.5%19.6%16.1%21.8%26.8%16.2%37.3%20.3%11.6%8.2%10.8%16.8%
Diluted EPS$1.83-$2.66$2.15$2.04$2.95$4.34$2.88$8.22$5.03$2.98$1.80$2.37$4.26
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
From each year's 10-K, linked; TTM is the last four quarters.
Read moreFree cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.

Revenue by segment

FY2025Share
latest year
Automotive Finance operations5,57271.1%
Insurance operations1,72522.0%
Corporate Finance operations5386.9%
Automotive Finance operationsInsurance operationsCorporate Finance operations
7,835FY2025

$ million; hover a block for its figure and share

From the latest 10-K, in the company's own words.
Read moreA year is shown only where the parts add up to the revenue above. Fiscal years are labelled by the year they end in.

Cash flow and capital returned

Follow the cashA discounted cash flow: five years of free cash flow, added up in today's moneyNot for Ally Financial: a bank's lending and deposits run through its operating cash flow, so its free cash flow swings with the balance sheet rather than with what the bank earns. Book value and return on equity, in the ratios above, are the usual measures for it.

FY2014 †FY2015 †FY2016 †FY2017FY2018FY2019FY2020FY2021FY2022FY2023 †FY2024FY2025TTM
Operating cash flow3,4035,1114,5674,0794,1504,0503,7394,0426,2474,5574,5283,7294,566
Cash from investing-3,212-10,003-9,070-8,727-14,509-3,7698,427-11,098-17,263-7,1824,991-5,264-14,471
Cash from financing-1455,4443,6702,03310,721-1,53025.0-3,84811,5753,839-5,5661,9568,029
Depreciation and amortisation2,9362,8012,3821,8591,6491,5551,5501,2611,3271,2271,1991,3971,463
Share-based compensationn/an/an/a60.072.067.080.0n/an/an/an/an/an/a
Buybacks0.016.03417539391,0391061,9941,65033.038.059.0319
Dividends paid2682,571108184242273289324384368372379381
Dividend per share$0.00$0.00$0.16$0.40$0.56$0.68$0.76$0.88$1.20$1.20$1.20$1.20n/a
Diluted shares, weighted482m483m482m455m428m395m377m365m319m305m310m313m311m
Shares outstanding at period end480m482m467m437m405m374m375m338m299m302m305m308m305m
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
Cash paid in the year, from the cash flow statement.
Read moreThe dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.

Balance sheet at year end

FY2014 †FY2015 †FY2016 †FY2017FY2018FY2019FY2020FY2021FY2022FY2023 †FY2024FY2025TTM
Funded by
Shareholders' equity15,39913,43913,31713,49413,26814,41614,70317,05012,85913,70313,90315,49815,491
Deposits58,22266,47879,02293,256106,178120,752137,036141,558152,297154,666151,574151,649154,046
Short-term borrowings7,0628,10112,67311,4139,9875,5312,1360.02,3993,2971,6254,6955,916
Debt66,38066,23454,12844,22644,19334,02722,00617,02917,76217,57017,49517,07017,053
Other liabilities4,7654,3294,5884,7595,2435,9186,2846,4776,5097,1567,2397,0907,266
Total liabilities and equity151,828158,581163,728167,148178,869180,644182,165182,114191,826196,392191,836196,002199,772
Owned
Fixed assets2252353764565646467261,1841,2761,2821,2531,1501,111
Goodwilln/a27.0240240240393343822822669551190190
Intangible assetsn/an/an/an/a59.069.050.012998.073.054.00.0n/a
Securities held for sale or to maturityn/a0.08391,89927,66531,85231,08334,75730,60329,09526,75627,34427,539
Loans98,971110,546117,800121,617128,684126,968115,251119,001132,037135,852132,316133,964140,097
Resale agreements0.0n/an/an/an/an/an/an/an/an/an/an/an/a
Trading assetsn/an/a0.0n/an/an/an/an/an/an/an/an/an/a
Cash and equivalents5,5766,3805,9344,2524,5373,55515,6215,0625,5716,94510,29210,0307,840
Other assets47,05641,39338,53938,68417,12017,16119,09121,15921,41922,47620,61423,32422,995
Total assets151,828158,581163,728167,148178,869180,644182,165182,114191,826196,392191,836196,002199,772
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
At the fiscal year end; the TTM column is the latest quarter end.
Read moreBoth totals are the company's own. Other liabilities is the filed total less the rows above it: payables, deferred revenue, taxes, borrowings the rows above do not carry and the rest; other assets is the same on the other side. Investments add the current and non-current lines as filed. Debt is the company's own stated total where it files one, otherwise its long-term debt with the current maturities, never parts added together. A row is left blank in a year where the lines shown overlap and the remainder would fall below nil.

Compounded growth

10 years5 years3 yearsTTM
Sales growth, compounded5.0%3.4%-2.1%11.5%
Profit growth, compounded-4.1%-4.7%-20.8%235.8%
Return on equity, average9.2%9.7%5.8%5.5%
Yearly growth, compounded; TTM is the last four quarters against the four before.
Read moreReturn on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.

Peers: Banking

CompanyMarket capP/EROEOp. marginSales growth
TTM
Debt to equityDiv. yield
Itaú Unibanco Holding S.A. ITUB *$108.4 billionn/a21.9%n/a-0.2%n/an/a
Bank of Nova Scotia BNS *$107.8 billion21.939.0%n/a12.1%n/a3.9%
Bank of New York Mellon Corp. BNY$96.8 billion16.6114.1%n/a10.6%0.681.4%
State Street Corp. STT$48.1 billion15.4512.2%n/a12.3%0.911.8%
Fifth Third Bancorp FITB$46.0 billion17.366.8%n/a23.8%0.513.0%
Banco Bradesco S.A. BBD *$45.9 billionn/a13.3%n/an/a0.224.6%
M&T Bank Corp. MTB$31.4 billion11.5210.9%n/a5.8%0.492.6%
Northern Trust Corp. NTRS$30.8 billion14.4016.7%n/a15.1%n/a1.8%
Citizens Financial Group Inc. CFG$27.1 billion13.908.1%n/a11.0%0.582.7%
East West Bancorp Inc. EWBC$17.3 billion12.1415.6%n/a13.7%0.001.9%
Ally Financial Inc. ALLY$11.5 billion8.889.4%n/a11.5%1.103.2%
SouthState Bank Corp. SSB$9.8 billion10.5810.4%n/a25.2%0.052.3%
All 67 in Banking
CompanyMarket capP/EROEOp. marginSales growth
TTM
Debt to equityDiv. yield
JPMorgan Chase & Co. JPM$881.0 billion14.2017.4%n/a13.5%1.231.8%
Bank of America Corp. BAC$376.2 billionn/an/an/an/a1.132.1%
HSBC Holdings plc HSBC *$318.1 billion15.4410.6%41.0%3.7%n/a4.2%
Royal Bank of Canada RY *$267.8 billion19.3714.6%n/a16.1%n/an/a
Mitsubishi UFJ Financial Group Inc. MUFG *$253.7 billion23.488.8%34.1%22.6%n/a2.2%
Wells Fargo & Company WFC$248.4 billion11.9412.5%n/a6.2%1.012.1%
Citigroup Inc. C$224.1 billion13.838.4%n/a10.0%1.571.9%
American Express Co. AXP$208.0 billion18.7033.4%n/a10.7%1.661.1%
Banco Santander, S.A. SAN *$198.0 billion13.3012.5%n/a0.5%n/a1.9%
Toronto-Dominion Bank TD *$192.3 billion14.0415.6%n/a18.4%n/a2.8%
Banco Bilbao Vizcaya Argentaria, S.A. BBVA *$149.4 billion13.2117.0%43.7%4.1%n/a3.2%
Mizuho Financial Group Inc. MFG *$130.3 billion18.0610.7%n/a38.1%n/a1.9%
Capital One Financial Corp. COF$122.3 billion12.349.2%n/a45.3%0.391.5%
Bank of Montreal BMO *$113.9 billion20.029.9%n/a10.6%n/a3.2%
HDFC Bank Limited HDB *$112.9 billion15.448.6%n/a5.2%n/a2.2%
Itaú Unibanco Holding S.A. ITUB *$108.4 billionn/a21.9%n/a-0.2%n/an/a
Bank of Nova Scotia BNS *$107.8 billion21.939.0%n/a12.1%n/a3.9%
Canadian Imperial Bank of Commerce CM *$100.4 billion18.0213.1%n/a13.8%n/a2.8%
ING Groep N.V. ING *$97.0 billion10.6815.4%n/an/an/a4.5%
Sumitomo Mitsui Financial Group, Inc. SMFG *$96.9 billion13.496.2%n/a26.1%0.583.7%
Bank of New York Mellon Corp. BNY$96.8 billion16.6114.1%n/a10.6%0.681.4%
U.S. Bancorp USB$88.9 billion11.3812.1%n/a6.7%0.873.6%
PNC Financial Services Group, Inc. PNC$87.6 billion12.0911.5%n/a13.2%1.343.0%
Barclays plc BCS *$79.7 billion10.279.2%n/a8.8%n/a2.1%
Lloyds Banking Group plc LYG *$79.6 billion14.739.8%n/a7.9%n/a3.3%
Nu Holdings Ltd. NU *$74.7 billion26.3125.4%n/a37.0%0.39n/a
NatWest Group plc NWG *$70.5 billion9.6112.9%n/a13.2%n/a4.4%
Truist Financial Corp. TFC$56.4 billion10.578.6%n/a4.1%0.674.5%
State Street Corp. STT$48.1 billion15.4512.2%n/a12.3%0.911.8%
Fifth Third Bancorp FITB$46.0 billion17.366.8%n/a23.8%0.513.0%
Banco Bradesco S.A. BBD *$45.9 billionn/a13.3%n/an/a0.224.6%
Coinbase Global, Inc. COIN$45.4 billionn/a-7.6%9.9%-10.4%0.45n/a
KB Financial Group Inc. KB *$43.8 billion10.769.9%47.5%5.4%n/a2.1%
ORIX Corporation IX *$41.2 billionn/a10.0%13.7%15.9%n/a2.8%
Shinhan Financial Group Co. Ltd. SHG *$36.0 billion10.348.6%n/an/a0.962.5%
M&T Bank Corp. MTB$31.4 billion11.5210.9%n/a5.8%0.492.6%
Huntington Bancshares Inc. HBAN$31.1 billion11.917.4%n/a26.4%0.574.0%
Northern Trust Corp. NTRS$30.8 billion14.4016.7%n/a15.1%n/a1.8%
Citizens Financial Group Inc. CFG$27.1 billion13.908.1%n/a11.0%0.582.7%
Synchrony Financial SYF$24.0 billion7.5520.8%n/a0.3%0.971.6%
Regions Financial Corp. RF$23.1 billion11.0511.8%n/a4.4%0.253.8%
Keycorp KEY$21.4 billion11.6910.3%n/a51.6%0.554.1%
East West Bancorp Inc. EWBC$17.3 billion12.1415.6%n/a13.7%0.001.9%
Pinnacle Financial Partners, Inc. PNFP$14.3 billion14.075.2%n/an/a0.411.6%
Ally Financial Inc. ALLY$11.5 billion8.889.4%n/a11.5%1.103.2%
First Horizon Corp. FHN$11.0 billion11.1511.5%n/a10.3%n/a2.6%
UMB Financial Corp. UMBF$9.9 billion10.8611.7%n/a39.3%0.061.3%
SouthState Bank Corp. SSB$9.8 billion10.5810.4%n/a25.2%0.052.3%
Wintrust Financial Corp. WTFC$9.7 billion11.5812.0%n/a11.5%0.001.4%
Cullen/Frost Bankers, Inc. CFR$9.5 billion14.4014.8%n/a7.4%n/a2.6%
OLD National Bancorp ONB$9.5 billion10.9910.3%n/a34.1%0.602.3%
Zions Bancorporation, National Association ZION$9.2 billion7.9915.2%n/a-64.1%0.252.8%
Western Alliance Bancorporation WAL$8.2 billion8.5012.5%n/a19.7%0.192.2%
Columbia Banking System, Inc. COLB$8.1 billion11.379.4%n/a33.6%n/a5.2%
Valley National Bancorp VLY$7.0 billion10.818.8%n/a12.2%0.493.5%
Prosperity Bancshares Inc. PB$6.7 billion11.566.8%n/a13.3%0.281.7%
United Bankshares Inc. UBSI$6.2 billion12.459.3%n/a14.5%0.103.3%
FNB Corp. FNB$6.1 billion10.298.8%n/a11.8%0.292.8%
Hancock Whitney Corp. HWC$5.9 billion14.269.6%n/a-0.2%0.042.5%
Home Bancshares Inc. HOMB$5.7 billion11.7710.5%n/a7.1%0.962.8%
Glacier Bancorp, Inc. GBCI$5.6 billion17.617.2%n/a32.2%n/a3.1%
Associated Banc-Corp ASB$5.4 billion10.069.0%n/a45.6%1.013.2%
First Financial Bankshares Inc. FFIN$4.5 billion16.8113.5%n/a12.4%0.452.4%
SLM Corp. SLM$4.3 billion6.3329.7%n/a11.5%2.362.3%
International Bancshares Corp. IBOC$4.3 billion10.3212.2%n/a4.0%n/a2.0%
Texas Capital Bancshares Inc. TCBI$4.0 billion12.0310.0%n/a33.1%0.14n/a
Euronet Worldwide, Inc. EEFT$2.4 billion9.9923.4%11.5%5.8%2.16n/a
23 companies share its SEC industry code (State Commercial Banks); the rest are the names nearest in size in its wider industry, Banking, one of the Fama-French 48 industries, a published grouping of SEC industry codes.
Read moreBy market capitalisation; a click on a heading sorts by it, largest first, and a second click turns it round. Each figure is the same arithmetic as the ratio box above, on each company's own filings and latest close; a name marked * is a foreign company that files once a year, on its latest fiscal year.

Filings

FilingPeriodFiledWhere
10-Q30 June 202623 July 2026EDGAR
10-Q31 March 20265 May 2026EDGAR
10-K31 December 202525 February 2026EDGAR
10-Q30 September 202530 October 2025EDGAR
10-Q30 June 20254 August 2025EDGAR
10-Q31 March 20255 May 2025EDGAR
10-K31 December 202419 February 2025EDGAR
10-Q30 September 20245 November 2024EDGAR
10-Q30 June 20245 August 2024EDGAR
10-Q31 March 20246 May 2024EDGAR

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