Ally Financial financials
$37.62−0.50%
Close Sep 30, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $15.26B | $16.39B | $15.97B | $12.20B | $10.83B | $9.93B | $11.62B | $10.47B | $9.87B | $9.84B |
| Gross profit | $8.85B | $8.92B | $9.07B | $9.34B | $8.91B | $6.69B | $7.38B | $6.83B | $7.01B | $7.21B |
| Gross margin | 58.0% | 54.4% | 56.8% | 76.6% | 82.3% | 67.3% | 63.5% | 65.3% | 71.0% | 73.3% |
| Operating income | $1.05B | $836.0M | $1.10B | $2.34B | $3.85B | $1.41B | $1.97B | $1.62B | $1.51B | $1.58B |
| Net income | $742.0M | $558.0M | $847.0M | $1.60B | $3.00B | $1.08B | $1.72B | $1.26B | $929.0M | $1.04B |
| Net margin | 4.9% | 3.4% | 5.3% | 13.1% | 27.7% | 10.9% | 14.8% | 12.1% | 9.4% | 10.5% |
| Diluted EPS | $2.37 | $1.80 | $2.78 | $5.03 | $8.22 | $2.88 | $4.34 | $2.95 | $2.04 | $2.15 |
| EBITDA | $1.36B | $954.0M | $1.25B | $2.34B | $3.99B | $1.46B | $1.97B | $1.62B | $1.51B | $1.58B |
| Operating cash flow | $3.73B | $4.53B | $4.56B | $6.25B | $4.04B | $3.74B | $4.05B | $4.15B | $4.08B | $4.57B |
| Free cash flow | $1.15B | $720.0M | $1.33B | $3.22B | $4.04B | $1.06B | $1.43B | $1.06B | -$1.49B | $1.54B |
| Diluted shares | 313.0M | 310.2M | 305.1M | 318.6M | 365.2M | 377.1M | 395.4M | 427.7M | 455.4M | 482.2M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $405.0M | $522.0M | $638.0M | $542.0M | $502.0M | $724.0M |
| Short-term investments | $37.84B | $37.40B | $36.21B | $36.31B | $40.42B | $47.05B |
| Total debt | $21.77B | $19.12B | $20.87B | $20.16B | $17.03B | $24.14B |
| Total assets | $196.00B | $191.84B | $196.33B | $191.83B | $182.11B | $182.16B |
| Total liabilities | $180.50B | $177.93B | $182.63B | $178.97B | $165.06B | $167.46B |
| Shareholders' equity | $15.50B | $13.90B | $13.70B | $12.86B | $17.05B | $14.70B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology