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Ally Financial vs First Citizens Bancshares: revenue, profit, margins and growth compared

Ally Financial brought in $7.9B of revenue in fiscal 2025, First Citizens Bancshares $9.5B in fiscal 2025. Revenue changed by -3.3% at Ally Financial and -2.2% at First Citizens Bancshares on the year before, so First Citizens Bancshares grew faster. Ally Financial kept 10.8% of its revenue as net profit, First Citizens Bancshares 23.1%.

Side by side, latest fiscal year

ALLYFCNCA
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$7.9B$9.5B
Revenue growth-3.3%-2.2%
Net income$852M$2.2B
Net margin10.8%23.1%
Free cash flown/a$2.2B
Free cash flow marginn/a23.2%
Earnings per share (diluted)$2.37$165.24
Cash$10B$801M
Debt$17.1B$35.8B
Price to earnings16.112.7
Market value$11.6B$23.7B
Dividend yield3.14%0.38%
Rank by revenue in sector#77 of 536 · Finance#69 of 536 · Finance

Over the years

Revenue
ALLY FY2018: $5.8BALLY FY2019: $6.4BALLY FY2020: $6.7BALLY FY2021: $8.2BALLY FY2022: $8.4BALLY FY2023: $8.2BALLY FY2024: $8.2BALLY FY2025: $7.9BFCNCA FY2022: $5.1BFCNCA FY2023: $18.8BFCNCA FY2024: $9.8BFCNCA FY2025: $9.5BFY18FY19FY20FY21FY22FY23FY24FY25
ALLY $7.9BFCNCA $9.5B
Net income
ALLY FY2018: $1.3BALLY FY2019: $1.7BALLY FY2020: $1.1BALLY FY2021: $3.1BALLY FY2022: $1.7BALLY FY2023: $957MALLY FY2024: $668MALLY FY2025: $852MFCNCA FY2018: $400.3MFCNCA FY2019: $457.4MFCNCA FY2020: $492MFCNCA FY2021: $547MFCNCA FY2022: $1.1BFCNCA FY2023: $11.5BFCNCA FY2024: $2.8BFCNCA FY2025: $2.2BFY18FY19FY20FY21FY22FY23FY24FY25
ALLY $852MFCNCA $2.2B
Net margin
ALLY FY2018: 21.8%ALLY FY2019: 26.8%ALLY FY2020: 16.2%ALLY FY2021: 37.3%ALLY FY2022: 20.3%ALLY FY2023: 11.6%ALLY FY2024: 8.2%ALLY FY2025: 10.8%FCNCA FY2022: 21.6%FCNCA FY2023: 61.0%FCNCA FY2024: 28.5%FCNCA FY2025: 23.1%FY18FY19FY20FY21FY22FY23FY24FY25
ALLY 10.8%FCNCA 23.1%
Revenue growth
ALLY FY2019: +10.2%ALLY FY2020: +4.6%ALLY FY2021: +22.7%ALLY FY2022: +2.7%ALLY FY2023: -2.3%ALLY FY2024: -0.6%ALLY FY2025: -3.3%FCNCA FY2023: +269.7%FCNCA FY2024: -48.1%FCNCA FY2025: -2.2%FY19FY20FY21FY22FY23FY24FY25
ALLY -3.3%FCNCA -2.2%
Free cash flow
FCNCA FY2018: $313.3MFCNCA FY2019: $457.2MFCNCA FY2020: $243MFCNCA FY2021: -$391MFCNCA FY2022: $2.6BFCNCA FY2023: $2.3BFCNCA FY2024: $2.6BFCNCA FY2025: $2.2BFY18FY19FY20FY21FY22FY23FY24FY25
ALLYFCNCA $2.2B

Fiscal years as each company reports them; the two may end in different months.

Questions about Ally Financial and First Citizens Bancshares

Which is bigger by revenue, Ally Financial or First Citizens Bancshares?

First Citizens Bancshares is bigger by revenue: $9.5B in fiscal 2025, against $7.9B for Ally Financial in fiscal 2025.

Which keeps more of its revenue as profit, Ally Financial or First Citizens Bancshares?

Ally Financial had a net margin of 10.8% in fiscal 2025; First Citizens Bancshares had 23.1% in fiscal 2025.

Which grew revenue faster, Ally Financial or First Citizens Bancshares?

In their latest fiscal years revenue changed by -3.3% at Ally Financial and -2.2% at First Citizens Bancshares.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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