Ally Financial Inc. (ALLY) 10-Year Financial Performance & Capital Metrics

ALLY • • Banking & Credit

Financial ServicesCredit ServicesAuto and Specialty Asset Finance

AboutAlly 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.Show more

Net Interest Income $5.26B -22.1%
Total Revenue $12.15B -25.7%
Net Income $852M +27.5%
Return on Equity 5.8% +19.8%
Net Interest Margin 2.68% -23.7%
Efficiency Ratio 43.34% +20.3%
ROA 0.44% +27.7%
Equity / Assets 7.91% +9.1%
Book Value per Share 49.31 +10.0%
Tangible BV/Share 49.31 +15.0%
Debt/Equity 1.40 +1.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 43.3% efficiency ratio
✓Trading at only 0.8x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y2.13%

5Y2.54%

3Y0.16%

TTM-

Profit (Net Income) CAGR

10Y-4.06%

5Y-4.72%

3Y-20.78%

TTM-5.54%

EPS CAGR

10Y-

5Y-3.82%

3Y-22.19%

TTM-7.84%

ROCE

10Y Avg3.72%

5Y Avg4.77%

3Y Avg2.76%

Latest3.01%

Peer Comparison

Auto and Specialty Asset Finance

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ANTAAntalpha Platform Holding Company	207.89M	8.78	46.21	320.96%	9.26%	3.6%		8.84
CACCCredit Acceptance Corporation	5.22B	473.18	23.80	13.54%	11.62%	28.75%	21.75%	3.63
IXORIX Corporation	39.31B	35.55	18.07	2.15%	12.23%	9.73%	19.23%	1.51
ALLYAlly Financial Inc.	12.17B	39.44	16.64	-25.75%	7.01%	5.5%		1.40
CPSSConsumer Portfolio Services, Inc.	179.36M	8.10	10.25	11.79%	4.88%	6.34%	100%	10.78
MFINMedallion Financial Corp.	298.26M	10.09	6.64	14.65%	12.3%	8.96%	38.73%	0.66
LPROOpen Lending Corporation	157.17M	1.33	-1.18	-79.55%	-5.62%	-206.46%	11.09%	1.84
AIHSSenmiao Technology Limited	13.67M	1.30	-3.94	-21.55%	-109.92%	-96.63%	3.65%	1.07

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Interest Income+	5.68B	5.46B	5.42B	5.61B	5.55B	6.74B	7.76B	7.06B	6.75B	5.26B
NII Growth %	-4.89%	-3.72%	-0.91%	3.67%	-1.07%	21.3%	15.24%	-9.05%	-4.4%	-22.09%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	8.3B	8.32B	9.05B	9.86B	8.8B	8.65B	10.62B	13.96B	14.22B	10.11B
Interest Expense	2.63B	2.86B	3.64B	4.24B	3.24B	1.91B	2.86B	6.9B	7.47B	4.85B
Loan Loss Provision	917M	1.15B	918M	998M	1.44B	241M	1.4B	1.97B	2.17B	990M
Non-Interest Income+	1.51B	1.53B	1.37B	1.7B	1.92B	2.04B	1.48B	2.01B	2.15B	2.05B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	9.82B	9.85B	10.42B	11.56B	10.72B	10.69B	12.1B	15.97B	16.37B	12.15B
Revenue Growth %	-0.27%	0.36%	5.78%	10.91%	-7.24%	-0.25%	13.12%	31.99%	2.52%	-25.75%
Non-Interest Expense	4.69B	4.34B	4.24B	4.35B	4.63B	4.68B	5.5B	6B	5.89B	5.27B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.58B	1.51B	1.62B	1.97B	1.41B	3.85B	2.34B	1.1B	836M	1.05B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	13.5%	-4.68%	7.63%	21.27%	-28.11%	172.63%	-39.25%	-52.9%	-24.21%	25.72%
Pretax Income+	1.58B	1.51B	1.62B	1.97B	1.41B	3.85B	2.34B	1.1B	836M	1.05B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	470M	581M	359M	246M	328M	790M	627M	144M	167M	199M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.07B	929M	1.26B	1.72B	1.08B	3.06B	1.71B	957M	668M	852M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-17.22%	-12.93%	35.95%	35.79%	-36.73%	182.03%	-43.99%	-44.17%	-30.2%	27.54%
Net Income (Continuing)	1.11B	926M	1.26B	1.72B	1.09B	3.06B	1.72B	959M	669M	852M
EPS (Diluted)+	2.15	2.04	2.95	4.34	2.88	8.22	5.03	2.78	1.80	2.37
EPS Growth %	180.83%	-5.12%	44.61%	47.12%	-33.64%	185.42%	-38.81%	-44.73%	-35.25%	31.67%
EPS (Basic)	2.15	2.05	2.97	4.36	2.89	8.30	5.06	2.80	1.82	2.39
Diluted Shares Outstanding	482.18M	455.35M	427.68M	395.39M	377.1M	365.18M	318.63M	305.13M	310.16M	314.27M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash & Short Term Investments+	20.16B	18.75B	20.64B	31.94B	45.31B	38.45B	31.21B	26.66B	29.3B	10.03B
Cash & Due from Banks	6.12B	4.25B	4.54B	3.56B	15.62B	5.06B	5.57B	6.95B	10.29B	10.03B
Short Term Investments	14.04B	14.5B	16.1B	28.38B	29.68B	33.38B	25.64B	19.71B	19.01B	0
Total Investments+	134.88B	141.22B	150.64B	160.53B	153.3B	161.32B	166.83B	170.42B	163.97B	28.22B
Investments Growth %	6.2%	4.7%	6.67%	6.56%	-4.5%	5.24%	3.42%	2.15%	-3.79%	-82.79%
Long-Term Investments	120.84B	126.72B	134.54B	132.14B	123.61B	127.94B	141.19B	150.71B	144.96B	28.22B
Accounts Receivables	476M	550M	599M	589M	704M	600M	786M	935M	929M	133.96B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	240M	240M	240M	393M	343M	822M	822M	669M	551M	0
Intangible Assets	0	0	59M	69M	50M	129M	98M	73M	54M	0
PP&E (Net)	11.85B	9.2B	9.14B	9.68B	10.53B	12.19B	11.83B	10.46B	9.34B	8.77B
Other Assets	8.63B	10.6B	12.61B	5.11B	810M	1.6B	4.63B	5.39B	4.48B	11.62B
Total Current Assets	21.18B	19.93B	21.97B	33.2B	46.73B	39.17B	32.16B	27.78B	30.54B	147.39B
Total Non-Current Assets	142.55B	147.22B	156.9B	147.45B	135.44B	142.94B	159.66B	168.54B	161.29B	48.62B
Total Assets+	163.73B	167.15B	178.87B	180.64B	182.16B	182.11B	191.83B	196.33B	191.84B	196B
Asset Growth %	3.25%	2.09%	7.01%	0.99%	0.84%	-0.03%	5.33%	2.35%	-2.29%	2.17%
Return on Assets (ROA)	0.66%	0.56%	0.73%	0.95%	0.6%	1.68%	0.92%	0.49%	0.34%	0.44%
Accounts Payable	1B	1.12B	1.04B	1.18B	1.01B	794M	843M	1.37B	1.4B	151.65B
Total Debt+	66.8B	55.64B	54.37B	39.75B	24.33B	17.2B	20.3B	20.98B	19.23B	21.77B
Net Debt	60.68B	51.39B	49.83B	36.2B	8.71B	12.14B	14.73B	14.04B	8.94B	11.73B
Long-Term Debt	54.13B	44.23B	44.19B	34.03B	22.01B	17.03B	17.76B	17.57B	17.5B	17.07B
Short-Term Debt	12.67B	11.41B	9.99B	5.53B	2.14B	0	2.4B	3.3B	1.63B	4.7B
Other Liabilities	3.53B	3.61B	3.97B	4.44B	4.89B	5.32B	5.36B	5.51B	5.61B	0
Total Current Liabilities	92.69B	105.79B	117.2B	127.46B	140.19B	142.35B	155.54B	159.33B	154.59B	163.43B
Total Non-Current Liabilities	57.72B	47.86B	48.4B	38.77B	27.28B	22.71B	23.43B	23.3B	23.34B	17.07B
Total Liabilities	150.41B	153.65B	165.6B	166.23B	167.46B	165.06B	178.97B	182.63B	177.93B	180.5B
Total Equity+	13.32B	13.49B	13.27B	14.42B	14.7B	17.05B	12.86B	13.7B	13.9B	15.5B
Equity Growth %	-0.91%	1.33%	-1.67%	8.65%	1.99%	15.96%	-24.58%	6.56%	1.46%	11.47%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	7.98%	6.93%	9.44%	12.39%	7.45%	19.27%	11.46%	7.21%	4.84%	5.8%
Book Value per Share	27.62	29.63	31.02	36.46	38.99	46.69	40.36	44.91	44.83	49.31
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	21.17B	21.25B	21.34B	21.44B	21.54B	21.67B	21.82B	21.98B	22.14B	22.27B
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0	0
Retained Earnings	-7.15B	-6.41B	-5.49B	-4.06B	-4.28B	-1.6B	-384M	91M	270M	633M
Accumulated OCI	-341M	-235M	-539M	123M	631M	-158M	-4.06B	-3.82B	-3.92B	-2.79B
Treasury Stock	-357M	-1.11B	-2.05B	-3.09B	-3.19B	-5.19B	-6.84B	-6.87B	-6.91B	-6.95B
Preferred Stock	0	0	0	0	0	2.32B	2.32B	2.32B	2.32B	2.32B

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	4.57B	4.08B	4.15B	4.05B	3.74B	4.04B	6.25B	4.56B	4.53B	0
Operating CF Growth %	-10.64%	-10.69%	1.74%	-2.41%	-7.68%	8.1%	54.55%	-27.05%	-0.64%	-100%
Net Income	1.07B	929M	1.26B	1.72B	1.08B	3.06B	1.71B	957M	668M	852M
Depreciation & Amortization	2.38B	1.86B	1.65B	1.55B	1.55B	1.26B	1.33B	1.23B	1.2B	0
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	820M	874M	876M	741M	1.14B	-143M	1.33B	2.36B	2.6B	-852M
Working Capital Changes	298M	417M	362M	39M	-32M	-136M	1.87B	11M	60M	0
Cash from Investing+	-9.07B	-8.73B	-14.51B	-3.77B	8.43B	-11.1B	-17.26B	-7.18B	4.99B	0
Purchase of Investments	-16.87B	-12.26B	-9.52B	-16.21B	-18.75B	-23.2B	-7.31B	-857M	-1.6B	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-309M	0	0	-171M	0	-699M	0	0	1.96B	0
Other Investing	-3.03B	-15M	-6.28B	3.1B	11.07B	-433M	-12.52B	-6.44B	4.39B	0
Cash from Financing+	3.67B	2.03B	10.72B	-1.53B	25M	-3.85B	11.57B	3.84B	-5.57B	0
Dividends Paid	-108M	-184M	-242M	-273M	-289M	-381M	-494M	-478M	-482M	0
Share Repurchases	-1.04B	-753M	-939M	-1.04B	-106M	-1.99B	-1.65B	-33M	-38M	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K	0
Other Financing	12.51B	14.17B	12.87B	14.55B	16.26B	4.51B	10.7B	2.34B	-3.23B	0
Net Change in Cash+	-832M	-2.61B	357M	-1.25B	12.19B	-10.9B	552M	1.22B	3.94B	-11.38B
Exchange Rate Effect	1000K	1000K	-1000K	1000K	1000K	0	-1000K	1000K	-1000K	0
Cash at Beginning	8.71B	7.88B	5.27B	5.63B	4.38B	16.57B	5.67B	6.22B	7.44B	11.38B
Cash at End	7.88B	5.27B	5.63B	4.38B	16.57B	5.67B	6.22B	7.44B	11.38B	0
Interest Paid	2.65B	2.83B	3.38B	4.03B	3.37B	2.03B	2.58B	6.36B	7.35B	0
Income Taxes Paid	19M	51M	36M	64M	53M	1.29B	0	0	135M	0
Free Cash Flow+	1.29B	27M	441M	27M	-581M	-1.08B	2.71B	1.8B	1.07B	0
FCF Growth %	203.52%	-97.91%	1533.33%	-93.88%	-2251.85%	-85.54%	351.86%	-33.78%	-40.6%	-100%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	7.98%	6.93%	9.44%	12.39%	7.45%	19.27%	11.46%	7.21%	4.84%	5.8%
Return on Assets (ROA)	0.66%	0.56%	0.73%	0.95%	0.6%	1.68%	0.92%	0.49%	0.34%	0.44%
Net Interest Margin	3.47%	3.27%	3.03%	3.11%	3.05%	3.7%	4.05%	3.6%	3.52%	2.68%
Efficiency Ratio	47.77%	44.05%	40.73%	37.64%	43.14%	43.8%	45.46%	37.57%	36.01%	43.34%
Equity / Assets	8.13%	8.07%	7.42%	7.98%	8.07%	9.36%	6.7%	6.98%	7.25%	7.91%
Book Value / Share	27.62	29.63	31.02	36.46	38.99	46.69	40.36	44.91	44.83	49.31
NII Growth	-4.89%	-3.72%	-0.91%	3.67%	-1.07%	21.3%	15.24%	-9.05%	-4.4%	-22.09%
Dividend Payout	10.12%	19.81%	19.16%	15.92%	26.64%	10.59%	22.4%	38.45%	55.69%	-

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Ally Financial Inc. (ALLY) 10-Year Financial Performance & Capital Metrics

ALLY • • Banking & Credit

Financial ServicesCredit ServicesAuto and Specialty Asset Finance

Net Interest Income $5.26B -22.1%
Total Revenue $12.15B -25.7%
Net Income $852M +27.5%
Return on Equity 5.8% +19.8%
Net Interest Margin 2.68% -23.7%
Efficiency Ratio 43.34% +20.3%
ROA 0.44% +27.7%
Equity / Assets 7.91% +9.1%
Book Value per Share 49.31 +10.0%
Tangible BV/Share 49.31 +15.0%
Debt/Equity 1.40 +1.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 43.3% efficiency ratio
✓Trading at only 0.8x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y2.13%

5Y2.54%

3Y0.16%

TTM-

Profit (Net Income) CAGR

10Y-4.06%

5Y-4.72%

3Y-20.78%

TTM-5.54%

EPS CAGR

10Y-

5Y-3.82%

3Y-22.19%

TTM-7.84%

ROCE

10Y Avg3.72%

5Y Avg4.77%

3Y Avg2.76%

Latest3.01%

Peer Comparison

Auto and Specialty Asset Finance

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ANTAAntalpha Platform Holding Company	207.89M	8.78	46.21	320.96%	9.26%	3.6%		8.84
CACCCredit Acceptance Corporation	5.22B	473.18	23.80	13.54%	11.62%	28.75%	21.75%	3.63
IXORIX Corporation	39.31B	35.55	18.07	2.15%	12.23%	9.73%	19.23%	1.51
ALLYAlly Financial Inc.	12.17B	39.44	16.64	-25.75%	7.01%	5.5%		1.40
CPSSConsumer Portfolio Services, Inc.	179.36M	8.10	10.25	11.79%	4.88%	6.34%	100%	10.78
MFINMedallion Financial Corp.	298.26M	10.09	6.64	14.65%	12.3%	8.96%	38.73%	0.66
LPROOpen Lending Corporation	157.17M	1.33	-1.18	-79.55%	-5.62%	-206.46%	11.09%	1.84
AIHSSenmiao Technology Limited	13.67M	1.30	-3.94	-21.55%	-109.92%	-96.63%	3.65%	1.07

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Interest Income+	5.68B	5.46B	5.42B	5.61B	5.55B	6.74B	7.76B	7.06B	6.75B	5.26B
NII Growth %	-4.89%	-3.72%	-0.91%	3.67%	-1.07%	21.3%	15.24%	-9.05%	-4.4%	-22.09%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	8.3B	8.32B	9.05B	9.86B	8.8B	8.65B	10.62B	13.96B	14.22B	10.11B
Interest Expense	2.63B	2.86B	3.64B	4.24B	3.24B	1.91B	2.86B	6.9B	7.47B	4.85B
Loan Loss Provision	917M	1.15B	918M	998M	1.44B	241M	1.4B	1.97B	2.17B	990M
Non-Interest Income+	1.51B	1.53B	1.37B	1.7B	1.92B	2.04B	1.48B	2.01B	2.15B	2.05B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	9.82B	9.85B	10.42B	11.56B	10.72B	10.69B	12.1B	15.97B	16.37B	12.15B
Revenue Growth %	-0.27%	0.36%	5.78%	10.91%	-7.24%	-0.25%	13.12%	31.99%	2.52%	-25.75%
Non-Interest Expense	4.69B	4.34B	4.24B	4.35B	4.63B	4.68B	5.5B	6B	5.89B	5.27B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.58B	1.51B	1.62B	1.97B	1.41B	3.85B	2.34B	1.1B	836M	1.05B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	13.5%	-4.68%	7.63%	21.27%	-28.11%	172.63%	-39.25%	-52.9%	-24.21%	25.72%
Pretax Income+	1.58B	1.51B	1.62B	1.97B	1.41B	3.85B	2.34B	1.1B	836M	1.05B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	470M	581M	359M	246M	328M	790M	627M	144M	167M	199M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.07B	929M	1.26B	1.72B	1.08B	3.06B	1.71B	957M	668M	852M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-17.22%	-12.93%	35.95%	35.79%	-36.73%	182.03%	-43.99%	-44.17%	-30.2%	27.54%
Net Income (Continuing)	1.11B	926M	1.26B	1.72B	1.09B	3.06B	1.72B	959M	669M	852M
EPS (Diluted)+	2.15	2.04	2.95	4.34	2.88	8.22	5.03	2.78	1.80	2.37
EPS Growth %	180.83%	-5.12%	44.61%	47.12%	-33.64%	185.42%	-38.81%	-44.73%	-35.25%	31.67%
EPS (Basic)	2.15	2.05	2.97	4.36	2.89	8.30	5.06	2.80	1.82	2.39
Diluted Shares Outstanding	482.18M	455.35M	427.68M	395.39M	377.1M	365.18M	318.63M	305.13M	310.16M	314.27M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash & Short Term Investments+	20.16B	18.75B	20.64B	31.94B	45.31B	38.45B	31.21B	26.66B	29.3B	10.03B
Cash & Due from Banks	6.12B	4.25B	4.54B	3.56B	15.62B	5.06B	5.57B	6.95B	10.29B	10.03B
Short Term Investments	14.04B	14.5B	16.1B	28.38B	29.68B	33.38B	25.64B	19.71B	19.01B	0
Total Investments+	134.88B	141.22B	150.64B	160.53B	153.3B	161.32B	166.83B	170.42B	163.97B	28.22B
Investments Growth %	6.2%	4.7%	6.67%	6.56%	-4.5%	5.24%	3.42%	2.15%	-3.79%	-82.79%
Long-Term Investments	120.84B	126.72B	134.54B	132.14B	123.61B	127.94B	141.19B	150.71B	144.96B	28.22B
Accounts Receivables	476M	550M	599M	589M	704M	600M	786M	935M	929M	133.96B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	240M	240M	240M	393M	343M	822M	822M	669M	551M	0
Intangible Assets	0	0	59M	69M	50M	129M	98M	73M	54M	0
PP&E (Net)	11.85B	9.2B	9.14B	9.68B	10.53B	12.19B	11.83B	10.46B	9.34B	8.77B
Other Assets	8.63B	10.6B	12.61B	5.11B	810M	1.6B	4.63B	5.39B	4.48B	11.62B
Total Current Assets	21.18B	19.93B	21.97B	33.2B	46.73B	39.17B	32.16B	27.78B	30.54B	147.39B
Total Non-Current Assets	142.55B	147.22B	156.9B	147.45B	135.44B	142.94B	159.66B	168.54B	161.29B	48.62B
Total Assets+	163.73B	167.15B	178.87B	180.64B	182.16B	182.11B	191.83B	196.33B	191.84B	196B
Asset Growth %	3.25%	2.09%	7.01%	0.99%	0.84%	-0.03%	5.33%	2.35%	-2.29%	2.17%
Return on Assets (ROA)	0.66%	0.56%	0.73%	0.95%	0.6%	1.68%	0.92%	0.49%	0.34%	0.44%
Accounts Payable	1B	1.12B	1.04B	1.18B	1.01B	794M	843M	1.37B	1.4B	151.65B
Total Debt+	66.8B	55.64B	54.37B	39.75B	24.33B	17.2B	20.3B	20.98B	19.23B	21.77B
Net Debt	60.68B	51.39B	49.83B	36.2B	8.71B	12.14B	14.73B	14.04B	8.94B	11.73B
Long-Term Debt	54.13B	44.23B	44.19B	34.03B	22.01B	17.03B	17.76B	17.57B	17.5B	17.07B
Short-Term Debt	12.67B	11.41B	9.99B	5.53B	2.14B	0	2.4B	3.3B	1.63B	4.7B
Other Liabilities	3.53B	3.61B	3.97B	4.44B	4.89B	5.32B	5.36B	5.51B	5.61B	0
Total Current Liabilities	92.69B	105.79B	117.2B	127.46B	140.19B	142.35B	155.54B	159.33B	154.59B	163.43B
Total Non-Current Liabilities	57.72B	47.86B	48.4B	38.77B	27.28B	22.71B	23.43B	23.3B	23.34B	17.07B
Total Liabilities	150.41B	153.65B	165.6B	166.23B	167.46B	165.06B	178.97B	182.63B	177.93B	180.5B
Total Equity+	13.32B	13.49B	13.27B	14.42B	14.7B	17.05B	12.86B	13.7B	13.9B	15.5B
Equity Growth %	-0.91%	1.33%	-1.67%	8.65%	1.99%	15.96%	-24.58%	6.56%	1.46%	11.47%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	7.98%	6.93%	9.44%	12.39%	7.45%	19.27%	11.46%	7.21%	4.84%	5.8%
Book Value per Share	27.62	29.63	31.02	36.46	38.99	46.69	40.36	44.91	44.83	49.31
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	21.17B	21.25B	21.34B	21.44B	21.54B	21.67B	21.82B	21.98B	22.14B	22.27B
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0	0
Retained Earnings	-7.15B	-6.41B	-5.49B	-4.06B	-4.28B	-1.6B	-384M	91M	270M	633M
Accumulated OCI	-341M	-235M	-539M	123M	631M	-158M	-4.06B	-3.82B	-3.92B	-2.79B
Treasury Stock	-357M	-1.11B	-2.05B	-3.09B	-3.19B	-5.19B	-6.84B	-6.87B	-6.91B	-6.95B
Preferred Stock	0	0	0	0	0	2.32B	2.32B	2.32B	2.32B	2.32B

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	4.57B	4.08B	4.15B	4.05B	3.74B	4.04B	6.25B	4.56B	4.53B	0
Operating CF Growth %	-10.64%	-10.69%	1.74%	-2.41%	-7.68%	8.1%	54.55%	-27.05%	-0.64%	-100%
Net Income	1.07B	929M	1.26B	1.72B	1.08B	3.06B	1.71B	957M	668M	852M
Depreciation & Amortization	2.38B	1.86B	1.65B	1.55B	1.55B	1.26B	1.33B	1.23B	1.2B	0
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	820M	874M	876M	741M	1.14B	-143M	1.33B	2.36B	2.6B	-852M
Working Capital Changes	298M	417M	362M	39M	-32M	-136M	1.87B	11M	60M	0
Cash from Investing+	-9.07B	-8.73B	-14.51B	-3.77B	8.43B	-11.1B	-17.26B	-7.18B	4.99B	0
Purchase of Investments	-16.87B	-12.26B	-9.52B	-16.21B	-18.75B	-23.2B	-7.31B	-857M	-1.6B	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-309M	0	0	-171M	0	-699M	0	0	1.96B	0
Other Investing	-3.03B	-15M	-6.28B	3.1B	11.07B	-433M	-12.52B	-6.44B	4.39B	0
Cash from Financing+	3.67B	2.03B	10.72B	-1.53B	25M	-3.85B	11.57B	3.84B	-5.57B	0
Dividends Paid	-108M	-184M	-242M	-273M	-289M	-381M	-494M	-478M	-482M	0
Share Repurchases	-1.04B	-753M	-939M	-1.04B	-106M	-1.99B	-1.65B	-33M	-38M	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K	0
Other Financing	12.51B	14.17B	12.87B	14.55B	16.26B	4.51B	10.7B	2.34B	-3.23B	0
Net Change in Cash+	-832M	-2.61B	357M	-1.25B	12.19B	-10.9B	552M	1.22B	3.94B	-11.38B
Exchange Rate Effect	1000K	1000K	-1000K	1000K	1000K	0	-1000K	1000K	-1000K	0
Cash at Beginning	8.71B	7.88B	5.27B	5.63B	4.38B	16.57B	5.67B	6.22B	7.44B	11.38B
Cash at End	7.88B	5.27B	5.63B	4.38B	16.57B	5.67B	6.22B	7.44B	11.38B	0
Interest Paid	2.65B	2.83B	3.38B	4.03B	3.37B	2.03B	2.58B	6.36B	7.35B	0
Income Taxes Paid	19M	51M	36M	64M	53M	1.29B	0	0	135M	0
Free Cash Flow+	1.29B	27M	441M	27M	-581M	-1.08B	2.71B	1.8B	1.07B	0
FCF Growth %	203.52%	-97.91%	1533.33%	-93.88%	-2251.85%	-85.54%	351.86%	-33.78%	-40.6%	-100%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	7.98%	6.93%	9.44%	12.39%	7.45%	19.27%	11.46%	7.21%	4.84%	5.8%
Return on Assets (ROA)	0.66%	0.56%	0.73%	0.95%	0.6%	1.68%	0.92%	0.49%	0.34%	0.44%
Net Interest Margin	3.47%	3.27%	3.03%	3.11%	3.05%	3.7%	4.05%	3.6%	3.52%	2.68%
Efficiency Ratio	47.77%	44.05%	40.73%	37.64%	43.14%	43.8%	45.46%	37.57%	36.01%	43.34%
Equity / Assets	8.13%	8.07%	7.42%	7.98%	8.07%	9.36%	6.7%	6.98%	7.25%	7.91%
Book Value / Share	27.62	29.63	31.02	36.46	38.99	46.69	40.36	44.91	44.83	49.31
NII Growth	-4.89%	-3.72%	-0.91%	3.67%	-1.07%	21.3%	15.24%	-9.05%	-4.4%	-22.09%
Dividend Payout	10.12%	19.81%	19.16%	15.92%	26.64%	10.59%	22.4%	38.45%	55.69%	-

Ally Financial Inc. (ALLY) 10-Year Financial Performance & Capital Metrics

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Ally Financial Inc. (ALLY) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare ALLY vs Peers

vs IX

vs CACC

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios