Ally Financial Inc. (ALLY) Earnings History
Annual and quarterly earnings data from 1999 to 2025
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 52.0% | 8.6% | 7.0% |
| 2024 | 41.1% | 5.1% | 4.1% |
| 2023 | 44.5% | 6.9% | 6.0% |
| 2022 | 64.8% | 19.4% | 14.2% |
| 2021 | 79.8% | 36.0% | 28.6% |
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Ally Financial Inc. (ALLY) Earnings Overview
As of February 28, 2026, Ally Financial Inc. (ALLY) reported trailing twelve-month net income of $852M, reflecting +0.3% year-over-year growth. The company earned $2.71 per diluted share over the past four quarters, with a net profit margin of 0.1%.
Looking at the long-term picture, ALLY's 5-year EPS compound annual growth rate (CAGR) stands at -3.8%, signaling declining earnings. The company achieved its highest annual net income of $3.06B in fiscal 2021.
Ally Financial Inc. maintains positive profitability with a gross margin of 0.5%, operating margin of 0.1%, and net margin of 0.1%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including IX ($439.78B net income, 0.1% margin), CACC ($454M net income, 0.1% margin), MFIN ($45M net income, 0.1% margin), ALLY has room to improve margins relative to the peer group. Compare ALLY vs IX →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
27 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $852M | +27.5% | $1.05B | $2.37 | 7.0% | 8.6% |
| 2024 | $668M | -30.2% | $836M | $1.80 | 4.1% | 5.1% |
| 2023 | $957M | -44.2% | $1.10B | $2.78 | 6.0% | 6.9% |
| 2022 | $1.71B | -44.0% | $2.34B | $5.03 | 14.2% | 19.4% |
| 2021 | $3.06B | +182.0% | $3.85B | $8.22 | 28.6% | 36.0% |
| 2020 | $1.08B | -36.7% | $1.41B | $2.88 | 10.1% | 13.2% |
| 2019 | $1.72B | +35.8% | $1.97B | $4.34 | 14.8% | 17.0% |
| 2018 | $1.26B | +36.0% | $1.62B | $2.95 | 12.1% | 15.6% |
| 2017 | $929M | -12.9% | $1.51B | $2.04 | 9.4% | 15.3% |
| 2016 | $1.07B | -17.2% | $1.58B | $2.15 | 10.9% | 16.1% |
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Start ComparisonFrequently Asked Questions
Is ALLY growing earnings?
ALLY EPS of $2.71 reflects slowing growth at +0.3%, below the 5-year CAGR of -3.8%. TTM net income is $852M. Expansion rate has moderated.
What are ALLY's profit margins?
Ally Financial Inc. net margin is +0.1%, with operating margin at +0.1%. Below-average margins reflect competitive or cost pressures.
How consistent are ALLY's earnings?
ALLY earnings data spans 1999-2025. The current earnings trend is +0.3% YoY. Historical data enables comparison across business cycles.