Ally Financial Inc. financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data Ally Financial Inc. files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	5,437	5,765	5,804	6,394	6,686	8,206	8,428	8,234	8,181	7,914
Selling and marketing	112	133	172	180	171	241	366	308	285	259
Interest expense	2,629	2,857	3,637	4,243	3,243	1,914	2,857	6,897
Other non-operating income	1,530	1,544
Pre-tax income	1,581	1,507	1,622	1,967	1,414	3,855	2,342	1,103	836	1,051
Income tax	470	581	359	246	328	790	627	144	167	199
Income from continuing operations	1,111	926	1,263	1,721	1,086	3,065	1,715	959	669	852
Net income	1,067	929	1,263	1,715	1,085	3,060	1,714	957	668	852
EPS, basic	2.15	2.05	2.97	4.36	2.89	8.28	5.06	2.79	1.82	2.39
EPS, diluted	2.15	2.04	2.95	4.34	2.88	8.22	5.03	2.77	1.80	2.37
Shares, basic (weighted)	481	454	425	393	376	363	317	304	307	310
Shares, diluted (weighted)	482	455	428	395	377	365	319	305	310	313
Dividend per share	0.16	0.40	0.56	0.68	0.76	0.88	1.20	1.20	1.20	1.20

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	5,934	4,252	4,537	3,555	15,621	5,062	5,571	6,945	10,292	10,030
Property, plant and equipment	376	456	564	646	726	1,184	1,276	1,282	1,253	1,150
Lease right-of-use assets				168	162	148	111	90	92	109
Goodwill	240	240	240	393	343	822	822	669	551	190
Intangible assets			59	69	50	129	98	73	54	0
Total assets	163,728	167,148	178,869	180,644	182,165	182,114	191,826	196,329	191,836	196,002
Short-term debt	14,553	11,037	8,976	9,219	5,085	5,869	4,418	4,340	4,819	2,659
Long-term debt	39,260	33,189	35,217	24,808	16,921	11,160	13,344	13,230	12,676	14,411
Total liabilities	150,411	153,654	165,601	166,228	167,462	165,064	178,967	182,626	177,933	180,504
Total debt	54,128	44,226	44,193	34,027	22,006	17,029	17,762	17,570	17,495	17,070
Paid-in capital			21,345	21,438	21,544	21,671	21,816	21,975	22,142	22,295
Retained earnings	-7,151	-6,406	-5,489	-4,057	-4,278	-1,599	-384	91	270	633
Treasury stock	-357	-1,110	-2,049	-3,088	-3,194	-5,188	-6,838	-6,871	-6,909	-6,968
Other comprehensive income	-341	-235	-539	123	631	-158	-4,059	-3,816	-3,924	-2,786
Shareholders' equity	13,317	13,494	13,268	14,416	14,703	17,050	12,859	13,703	13,903	15,498
Total equity	13,317	13,494	13,268	14,416	14,703	17,050	12,859	13,703	13,903	15,498
Total liabilities and equity	163,728	167,148	178,869	180,644	182,165	182,114	191,826	196,329	191,836	196,002
Shares outstanding	467	437	405	374	375	338	299	302	305	308

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	1,067	929	1,263	1,715	1,085	3,060	1,714	957	668	852
Depreciation and amortization	2,382	1,859	1,649	1,555	1,550	1,261	1,327	1,227	1,199	1,397
Stock-based compensation		60	72	67	80
Deferred income tax	453	539	331	179	242	116	553	18	28	-168
Cash from operations	4,567	4,079	4,150	4,050	3,739	4,042	6,247	4,557	4,528	3,729
Acquisitions		0	0	-171	0	-699	0	0
Purchases of investments		-10,335	-7,868	-15,199	-17,377	-21,557	-6,723	-518	-717	-5,619
Sales and maturities of investments	3,379	2,899	3,215	5,154	11,903	10,724	4,276	2,057	2,143	1,876
Cash from investing	-9,070	-8,727	-14,509	-3,769	8,427	-11,098	-17,263	-7,182	4,991	-5,264
Debt issued	14,155	17,969	18,401	6,915	3,660	2,997	7,125	5,705	4,337	4,673
Debt repaid	-26,412	-27,908	-17,940	-17,224	-16,107	-6,068	-6,464	-4,595	-4,484	-5,181
Share buybacks	-341	-753	-939	-1,039	-106	-1,994	-1,650	-33	-38	-59
Dividends paid	-108	-184	-242	-273	-289	-324	-384	-368	-372	-379
Cash from financing	3,670	2,033	10,721	-1,530	25	-3,848	11,575	3,839	-5,566	1,956
Exchange rate effect	1	3	-5	3	3	0	-7	3	-12	8
Net change in cash	-832	-2,612	357	-1,246	12,194	-10,904	552	1,217	3,941	429
Interest paid	2,647	2,829	3,380	4,034	3,366	2,033	2,583	6,357	7,354	6,477
Income taxes paid	19	51	36	64	53	1,292	-425	-27	135	359

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $38.79 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Pre-tax margin	21.2%	Pre-tax income / revenue.
Net margin	16.8%	Net income / revenue.
Operating cash flow margin	52.6%	Cash from operations / revenue.
Effective tax rate	20.8%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	9.4%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	0.7%	Net income / average total assets.
D&A / revenue	16.9%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	-3.3%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	-2.1%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	3.4%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	27.5%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	-20.8%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	-4.7%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	31.7%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	-22.2%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	-3.8%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	-17.6%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	-15.8%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	-0.1%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	0.0%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	0.0%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	9.6%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	11.5%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	6.4%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	1.1%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	2.2%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	0.7%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	1.5%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	0.9%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-0.6%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-3.7%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Debt / equity	1.10x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	8.5%	Total debt / total assets.
Liabilities / assets	92.2%	Total liabilities / total assets.
Net debt	$9.21B	Total debt - cash - short-term investments. Negative means more cash than debt.
Goodwill and intangibles / assets	0.1%	(Goodwill + intangible assets) / total assets.
Tangible book value	$15.30B	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.04x	Revenue / average total assets.
Fixed asset turnover	7.81x	Revenue / average property, plant and equipment.

Per share

Metric	Value	How it is calculated
EPS, diluted	$4.67	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$27.90	Revenue / diluted weighted shares.
Operating cash flow per share	$14.68	Cash from operations / diluted weighted shares.
Book value per share	$50.87	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$50.24	Tangible book value / shares outstanding.
Cash per share	$25.74	(Cash + short-term investments) / shares outstanding.
Payout ratio	26.2%	Dividends paid / net income, when net income is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$11.80B	Share price x shares outstanding.
Enterprise value	$21.01B	Market cap + total debt - cash - short-term investments.
P/E	8.12x	Market cap / net income. Only when net income is positive.
P/S	1.36x	Market cap / revenue.
P/B	0.76x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	0.77x	Market cap / tangible book value, when positive.
P/OCF	2.58x	Market cap / cash from operations, when positive.
EV/Sales	2.42x	Enterprise value / revenue.
Earnings yield	12.3%	Net income / market cap (the inverse of P/E).
Dividend yield	3.2%	Dividends paid over the period / market cap.
Shareholder yield	5.9%	(Dividends paid + share buybacks) / market cap.

What was Ally Financial Inc.'s revenue in fiscal 2025?

Ally Financial Inc. reported revenue of $7.91B for fiscal 2025, 3.3% lower than the year before.

Was Ally Financial Inc. profitable in fiscal 2025?

Yes. Net income was $852.0M, a net margin of 10.8%.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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