ALLY - NYSE
Ally Financial Inc.
$40.93
-2.9%Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment 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. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides 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.
At a Glance
Live SnapshotAlly Financial Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
Ally Financial Inc. Income Statement
ALLY • NYSE
| Ally Financial Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
12.2B | 16.4B | 16B | 12.1B | 10.7B | 10.7B | 11.6B | 10.4B | 9.9B | 9.8B | 9.8B | 9.9B | 9.6B | 10.1B | 9B | 16.3B | 16.1B | 21.2B | 28.1B | 35.3B | |
GROSS PROFIT | ||||||||||||||||||||
(5.8B) | (9.6B) | (8.9B) | (4.3B) | (2.2B) | (4.7B) | (5.2B) | (4.6B) | (4B) | (3.5B) | (3.1B) | (3.2B) | (3.8B) | (4.4B) | (4.8B) | (7.1B) | (12.7B) | (13.5B) | (17.5B) | (17.6B) | |
6.3B | 6.7B | 7.1B | 7.8B | 8.5B | 6B | 6.3B | 5.9B | 5.8B | 6.3B | 6.7B | 6.6B | 5.8B | 5.7B | 4.3B | 9.2B | 3.4B | 7.7B | 10.6B | 17.8B | |
OPERATING INCOME | ||||||||||||||||||||
(5.3B) | (5.9B) | (6B) | (5.5B) | (4.7B) | (4.6B) | (4.4B) | (4.2B) | (4.3B) | (4.7B) | (5.3B) | (5.4B) | (5.4B) | (5.2B) | (4.4B) | (8B) | (10.3B) | (2.9B) | (12.4B) | (15.5B) | |
(3.1B) | (3.3B) | (3.3B) | (3.2B) | (2.7B) | (2.4B) | (2.2B) | (2.1B) | (2B) | (1.8B) | (1.7B) | (1.8B) | (1.9B) | (2.1B) | (2B) | (3.1B) | (3.3B) | (4.3B) | (4.8B) | (6.5B) | |
1.1B | 836M | 1.1B | 2.3B | 3.9B | 1.4B | 2B | 1.6B | 1.5B | 1.6B | 1.4B | 1.2B | 357M | 514M | -177M | 1.1B | -6.9B | 4.7B | -1.8B | 2.2B | |
PRE-TAX INCOME | ||||||||||||||||||||
(6.4B) | (7.5B) | (6.9B) | (2.9B) | (1.9B) | (3.2B) | (4.2B) | (3.6B) | (2.9B) | (2.6B) | (2.4B) | (2.8B) | (3.3B) | (4.1B) | (4.6B) | (6.7B) | (7.1B) | (10.4B) | (14.4B) | (15.6B) | |
7.1B | 6.8B | 7.1B | 7.8B | 6.7B | 5.6B | 5.6B | 5.4B | 5.5B | 5.7B | 6B | 5.6B | 4.8B | 3.3B | 2.1B | 4.5B | 5.7B | 7.6B | 8.3B | 9.3B | |
(2.2B) | (2.6B) | (2.7B) | (2.3B) | (2B) | (2.2B) | (2.2B) | (2.2B) | (2.4B) | (2.9B) | (3.6B) | (3.5B) | (3.5B) | (3.1B) | (2.4B) | (4.9B) | (7B) | -1.4B | (7.6B) | (9.1B) | |
1.1B | 836M | 1.1B | 2.3B | 3.9B | 1.4B | 2B | 1.6B | 1.5B | 1.6B | 1.4B | 1.2B | 357M | 514M | -177M | 1.1B | -6.9B | 4.7B | -1.8B | 2.2B | |
NET INCOME | ||||||||||||||||||||
(199M) | (167M) | (144M) | (627M) | (790M) | (328M) | (246M) | (359M) | (581M) | (470M) | (496M) | (321M) | -59M | -856M | (42M) | (153M) | (74M) | -136M | (395M) | (103M) | |
852M | 668M | 957M | 1.7B | 3.1B | 1.1B | 1.7B | 1.3B | 929M | 1.1B | 1.3B | 1.2B | 361M | 1.2B | -157M | 1.1B | -10.3B | 1.9B | -2.3B | 2.1B |
SEC Filings
ALLY - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 20, 2026 | May 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 08, 2026 | May 06, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 05, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 01, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 27, 2026 | April 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 17, 2026 | April 17, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 18, 2026 | May 06, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 25, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 21, 2026 | January 21, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 10, 2025 | December 09, 2025 | 2025 |
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