Ally Financial
ALLY · NYSEState Commercial Banks · Fiscal year ends Dec 31
Ally Financial reported revenue of $1.2B in the fiscal year ended Dec 2025, up 3.8% from the year before. Net income was $852M. Net debt was $7B.
Last 5 fiscal years
Revenue and net income
Income statement
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | $852M | $908M | $968M | $1.2B | $1.2B |
| Interest expense | $1.9B | $2.9B | $6.9B | – | – |
| Pre-tax income | $3.9B | $2.3B | $1.1B | $836M | $1.1B |
| Income tax | $790M | $627M | $144M | $167M | $199M |
| Net income | $3.1B | $1.7B | $957M | $668M | $852M |
| Diluted EPS | 8.22 | 5.03 | 2.77 | 1.80 | 2.37 |
| Diluted shares | 365M | 319M | 305M | 310M | 313M |
Balance sheet
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | $5.1B | $5.6B | $6.9B | $10.3B | $10B |
| Net PP&E | $1.2B | $1.3B | $1.3B | $1.3B | $1.2B |
| Goodwill | $822M | $822M | $669M | $551M | $190M |
| Total assets | $182B | $192B | $196B | $192B | $196B |
| Deferred revenue | – | $169M | $103M | $122M | $141M |
| Short-term debt | $5.9B | $4.4B | $4.3B | $4.8B | $2.7B |
| Long-term debt | $11.2B | $13.3B | $13.2B | $12.7B | $14.4B |
| DepositsBanks | $142B | $152B | $155B | $152B | $152B |
| Total liabilities | $165B | $179B | $183B | $178B | $181B |
| Shareholders' equity | $17.1B | $12.9B | $13.7B | $13.9B | $15.5B |
Cash flow
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | $4B | $6.2B | $4.6B | $4.5B | $3.7B |
| Depreciation & amortisation | $1.3B | $1.3B | $1.2B | $1.2B | $1.4B |
| Acquisitions | $699M | $0 | $0 | – | – |
| Share buybacks | $2B | $1.7B | $33M | $38M | $59M |
| Dividends paid | $324M | $384M | $368M | $372M | $379M |
| Dividend per share | 0.88 | 1.20 | 1.20 | 1.20 | 1.20 |
Key ratios
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | 6.6% | 6.6% | 23.8% | 3.8% |
| EPS growth (YoY) | – | −38.8% | −44.9% | −35.0% | 31.7% |
| Net margin | 359.2% | 188.8% | 98.9% | 55.8% | 68.5% |
| Return on equityBlank when equity is negative | 17.9% | 13.3% | 7.0% | 4.8% | 5.5% |
| Cash conversion (CFO ÷ net income) | 1.32x | 3.64x | 4.76x | 6.78x | 4.38x |
| Debt ÷ equity | 1.00x | 1.38x | 1.28x | 1.26x | 1.10x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | $12B | $12.2B | $10.6B | $7.2B | $7B |
Recent filings
More in State Commercial Banks
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.