Symbols / ALLY $45.72 +0.04% Ally Financial Inc.

Financial Services • Credit Services • United States • NYQ
ALLY Chart
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About

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations. It 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; and financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The company also provides consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers; VSCs, VMCs, and GAP products; and underwrite select commercial insurance coverages, which primarily insure dealers' vehicle inventory. In addition, it provides senior secured asset-based and leveraged cash flow loans to middle-market companies; leveraged loans; commercial real estate product to serve companies in the nursing facilities, senior housing, and medical office buildings; and treasury activities, such as management of the cash and corporate investment securities and loan portfolios, short- and long-term debt, retail and brokered deposit liabilities, derivative instruments, original issue discount, and equity investments. Further, the company offers deposits and 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.

Fundamentals
Scroll to Statements
Market Cap 14.08B Enterprise Value 28.33B Income 1.29B Sales 7.69B Book/sh 43.22 Cash/sh 30.96
Dividend Yield 2.63% Payout 50.63% Employees 10300 IPO — P/E 19.29 Forward P/E 7.07
PEG 0.52 P/S 1.83 P/B 1.06 P/C — EV/EBITDA — EV/Sales 3.69
Quick Ratio — Current Ratio — Debt/Eq — LT Debt/Eq — EPS (ttm) 2.37 EPS next Y 6.47
EPS Growth — Revenue Growth 19.70% Earnings 2026-07-16 ROA 0.71% ROE 9.36% ROIC —
Gross Margin 0.00% Oper. Margin 21.02% Profit Margin 18.16% Shs Outstand 307.41M Shs Float 275.73M Short Float 3.56%
Short Ratio 2.78 Short Interest — 52W High 47.27 52W Low 31.45 Beta 1.12 Avg Volume 3.86M
Volume 4.56M Target Price $54.01 Recom Buy Prev Close $45.70 Price $45.72 Change 0.04%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$54.01
Mean price target
2. Current target
$45.72
Latest analyst target
3. DCF / Fair value
$35.55
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$45.72
Low
$46.00
High
$70.00
Mean
$54.01

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-21 main Evercore ISI Group Outperform → Outperform $54
2026-04-20 main Goldman Sachs Buy → Buy $56
2026-04-20 main Morgan Stanley Overweight → Overweight $55
2026-04-20 main Barclays Equal-Weight → Equal-Weight $56
2026-04-10 main B of A Securities Buy → Buy $52
2026-04-09 main JP Morgan Overweight → Overweight $46
2026-04-06 main Evercore ISI Group Outperform → Outperform $46
2026-02-05 main Evercore ISI Group Outperform → Outperform $51
2026-01-26 main Truist Securities Buy → Buy $50
2026-01-12 main JP Morgan Overweight → Overweight $48
2026-01-08 main TD Cowen Buy → Buy $55
2026-01-08 init UBS — → Buy $56
2026-01-06 up Evercore ISI Group In-Line → Outperform $53
2026-01-05 main Barclays Equal-Weight → Equal-Weight $54
2025-12-22 main Truist Securities Buy → Buy $51
2025-12-17 up Wells Fargo Equal-Weight → Overweight $52
2025-10-20 main JP Morgan Overweight → Overweight $43
2025-10-20 main Truist Securities Buy → Buy $47
2025-10-20 up TD Cowen Hold → Buy $50
2025-10-07 main JP Morgan Overweight → Overweight $42
News
RSS: Latest ALLY news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-17 TIMMERMAN DOUGLAS R. Officer — 39,675 $45.17 $1,792,175
2026-04-09 BRIGHT GUNTHER Director — 348 $39.23 $13,652
2026-04-09 REILLY DAVID Director — 829 $39.23 $32,522
2026-04-09 GIBBONS THOMAS P Director — 1,211 $39.23 $47,508
2026-02-03 TIMMERMAN DOUGLAS R. Officer — 41,135 $42.30 $1,740,010
2026-02-03 MEHLMAN HOPE Officer — 23,405 $42.30 $990,032
2026-02-03 HUTCHINSON RUSSELL E. Chief Financial Officer — 38,298 $42.30 $1,620,005
2026-02-03 RICHARD STEPHANIE N. Officer — 18,972 $42.30 $802,516
2026-02-03 PATTERSON KATHLEEN L. Officer — 18,618 $42.30 $787,541
2026-02-03 MCGRATH AUSTIN THOMAS Officer — 27,897 $42.30 $1,180,043
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
8,770.00
-1.43%
8,897.00
-1.91%
9,070.00
-1.84%
9,240.00
Operating Revenue
8,770.00
-1.43%
8,897.00
-1.91%
9,070.00
-1.84%
9,240.00
Selling General And Administration
3,360.00
+1.27%
3,318.00
+1.56%
3,267.00
+3.52%
3,156.00
Selling And Marketing Expense
259.00
-9.12%
285.00
-7.47%
308.00
-15.85%
366.00
General And Administrative Expense
3,101.00
+2.24%
3,033.00
+2.50%
2,959.00
+6.06%
2,790.00
Salaries And Wages
1,857.00
+0.81%
1,842.00
-3.10%
1,901.00
+0.05%
1,900.00
Reconciled Depreciation
1,397.00
+16.51%
1,199.00
-2.28%
1,227.00
-7.54%
1,327.00
Total Unusual Items
-305.00
-158.47%
-118.00
+20.81%
-149.00
0.00
Total Unusual Items Excluding Goodwill
-305.00
-158.47%
-118.00
+20.81%
-149.00
0.00
Special Income Charges
-305.00
-158.47%
-118.00
+20.81%
-149.00
0.00
Impairment Of Capital Assets
305.00
+158.47%
118.00
-20.81%
149.00
0.00
Net Income
852.00
+27.54%
668.00
-30.20%
957.00
-44.17%
1,714.00
Pretax Income
1,051.00
+25.72%
836.00
-24.21%
1,103.00
-52.90%
2,342.00
Net Interest Income
7,113.00
+5.38%
6,750.00
-4.40%
7,061.00
-9.05%
7,764.00
Interest Expense
6,408.00
-14.24%
7,472.00
+8.34%
6,897.00
+141.41%
2,857.00
Interest Income
13,521.00
-4.93%
14,222.00
+1.89%
13,958.00
+31.42%
10,621.00
Gain On Sale Of Security
-361.00
-601.39%
72.00
-50.00%
144.00
+157.14%
-252.00
Tax Provision
199.00
+19.16%
167.00
+15.97%
144.00
-77.03%
627.00
Tax Rate For Calcs
0.00
-5.22%
0.00
+53.01%
0.00
-51.24%
0.00
Tax Effect Of Unusual Items
-57.75
-145.00%
-23.57
-21.18%
-19.45
0.00
Net Income Including Noncontrolling Interests
852.00
+27.54%
668.00
-30.20%
957.00
-44.17%
1,714.00
Net Income From Continuing Operation Net Minority Interest
852.00
+27.35%
669.00
-30.24%
959.00
-44.08%
1,715.00
Net Income From Continuing And Discontinued Operation
852.00
+27.54%
668.00
-30.20%
957.00
-44.17%
1,714.00
Net Income Continuous Operations
852.00
+27.35%
669.00
-30.24%
959.00
-44.08%
1,715.00
Net Income Discontinuous Operations
0.00
+100.00%
-1.00
+50.00%
-2.00
-100.00%
-1.00
Normalized Income
1,099.25
+43.99%
763.43
-29.87%
1,088.55
-36.53%
1,715.00
Net Income Common Stockholders
742.00
+32.97%
558.00
-34.12%
847.00
-47.19%
1,604.00
Diluted EPS
2.37
+31.67%
1.80
-39.60%
2.98
-40.76%
5.03
Basic EPS
2.39
+31.32%
1.82
-39.33%
3.00
-40.71%
5.06
Basic Average Shares
310.01
+1.01%
306.91
+1.04%
303.75
-4.09%
316.69
Diluted Average Shares
313.04
+0.93%
310.16
+1.65%
305.13
-4.24%
318.63
Diluted NI Availto Com Stockholders
742.00
+32.97%
558.00
-34.12%
847.00
-47.19%
1,604.00
Amortization
3.00
-84.21%
19.00
-24.00%
25.00
-19.35%
31.00
Amortization Of Intangibles Income Statement
3.00
-84.21%
19.00
-24.00%
25.00
-19.35%
31.00
Depreciation Amortization Depletion Income Statement
1,183.00
+20.84%
979.00
-7.73%
1,061.00
-4.41%
1,110.00
Depreciation And Amortization In Income Statement
1,183.00
+20.84%
979.00
-7.73%
1,061.00
-4.41%
1,110.00
Depreciation Income Statement
1,180.00
+22.92%
960.00
-7.34%
1,036.00
-3.99%
1,079.00
Insurance And Claims
1,244.00
+4.45%
1,191.00
+12.57%
1,058.00
+18.88%
890.00
Occupancy And Equipment
—
—
—
—
Other Non Interest Expense
1,330.00
-1.70%
1,353.00
-2.03%
1,381.00
+18.85%
1,162.00
Preferred Stock Dividends
110.00
+0.00%
110.00
+0.00%
110.00
+0.00%
110.00
Professional Expense And Contract Services Expense
145.00
-1.36%
147.00
+1.38%
145.00
-16.18%
173.00
Rent And Landing Fees
—
—
210.00
+4.48%
201.00
Rent Expense Supplemental
—
—
210.00
+4.48%
201.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
196,002.00
+2.17%
191,836.00
-2.29%
196,329.00
+2.35%
191,826.00
Cash And Cash Equivalents
10,030.00
-2.55%
10,292.00
+48.19%
6,945.00
+24.66%
5,571.00
Other Short Term Investments
19,273.00
+1.38%
19,010.00
-3.58%
19,715.00
-23.11%
25,641.00
Receivables
1,344.00
+8.30%
1,241.00
+10.41%
1,124.00
+18.32%
950.00
Accounts Receivable
941.00
+1.29%
929.00
-0.64%
935.00
+18.96%
786.00
Other Receivables
403.00
+29.17%
312.00
+65.08%
189.00
+15.24%
164.00
Net PPE
10,031.00
+7.44%
9,336.00
-10.72%
10,457.00
-11.61%
11,831.00
Gross PPE
12,552.00
+6.04%
11,837.00
-10.72%
13,258.00
-10.22%
14,767.00
Accumulated Depreciation
-2,521.00
-0.80%
-2,501.00
+10.71%
-2,801.00
+4.60%
-2,936.00
Other Properties
12,552.00
+6.04%
11,837.00
-10.72%
13,258.00
-10.22%
14,767.00
Goodwill And Other Intangible Assets
190.00
-68.60%
605.00
-18.46%
742.00
-19.35%
920.00
Goodwill
190.00
-65.52%
551.00
-17.64%
669.00
-18.61%
822.00
Other Intangible Assets
—
54.00
-26.03%
73.00
-25.51%
98.00
Investments And Advances
28,251.00
+1.70%
27,779.00
-2.90%
28,608.00
-5.99%
30,430.00
Long Term Equity Investment
715.00
+13.13%
632.00
-2.92%
651.00
+7.07%
608.00
Total Liabilities Net Minority Interest
180,504.00
+1.44%
177,933.00
-2.57%
182,626.00
+2.04%
178,967.00
Payables And Accrued Expenses
1,149.00
-17.63%
1,395.00
+2.05%
1,367.00
+62.16%
843.00
Payables
1,149.00
-17.63%
1,395.00
+2.05%
1,367.00
+62.16%
843.00
Accounts Payable
1,149.00
-17.63%
1,395.00
+2.05%
1,367.00
+62.16%
843.00
Employee Benefits
417.00
-1.65%
424.00
+3.67%
409.00
-3.54%
424.00
Current Debt And Capital Lease Obligation
4,150.00
+155.38%
1,625.00
-36.27%
2,550.00
+34.21%
1,900.00
Current Debt
4,150.00
+155.38%
1,625.00
-36.27%
2,550.00
+34.21%
1,900.00
Other Current Borrowings
4,150.00
+155.38%
1,625.00
-36.27%
2,550.00
+34.21%
1,900.00
Long Term Debt And Capital Lease Obligation
17,194.00
-2.34%
17,606.00
-0.44%
17,683.00
-1.21%
17,899.00
Long Term Debt
17,070.00
-2.43%
17,495.00
-0.43%
17,570.00
-1.08%
17,762.00
Long Term Capital Lease Obligation
124.00
+11.71%
111.00
-1.77%
113.00
-17.52%
137.00
Non Current Pension And Other Postretirement Benefit Plans
—
—
—
—
Non Current Deferred Liabilities
141.00
+15.57%
122.00
+18.45%
103.00
-39.05%
169.00
Non Current Deferred Revenue
141.00
+15.57%
122.00
+18.45%
103.00
-39.05%
169.00
Non Current Deferred Taxes Liabilities
—
—
—
—
Stockholders Equity
15,498.00
+11.47%
13,903.00
+1.46%
13,703.00
+6.56%
12,859.00
Common Stock Equity
13,174.00
+13.77%
11,579.00
+1.76%
11,379.00
+8.01%
10,535.00
Capital Stock
24,619.00
+0.63%
24,466.00
+0.69%
24,299.00
+0.66%
24,140.00
Common Stock
22,295.00
+0.69%
22,142.00
+0.76%
21,975.00
+0.73%
21,816.00
Preferred Stock
2,324.00
+0.00%
2,324.00
+0.00%
2,324.00
+0.00%
2,324.00
Share Issued
520.36
+0.92%
515.61
+0.73%
511.86
+0.82%
507.68
Ordinary Shares Number
308.49
+1.07%
305.22
+0.91%
302.46
+1.05%
299.32
Treasury Shares Number
211.86
+0.70%
210.39
+0.47%
209.40
+0.50%
208.36
Retained Earnings
633.00
+134.44%
270.00
+196.70%
91.00
+123.70%
-384.00
Gains Losses Not Affecting Retained Earnings
-2,786.00
+29.00%
-3,924.00
-2.83%
-3,816.00
+5.99%
-4,059.00
Treasury Stock
6,968.00
+0.85%
6,909.00
+0.55%
6,871.00
+0.48%
6,838.00
Other Equity Adjustments
-2,786.00
+29.00%
-3,924.00
-2.83%
-3,816.00
+5.99%
-4,059.00
Total Equity Gross Minority Interest
15,498.00
+11.47%
13,903.00
+1.46%
13,703.00
+6.56%
12,859.00
Total Capitalization
32,568.00
+3.73%
31,398.00
+0.40%
31,273.00
+2.13%
30,621.00
Invested Capital
34,394.00
+12.04%
30,699.00
-2.54%
31,499.00
+4.31%
30,197.00
Total Debt
21,344.00
+10.99%
19,231.00
-4.95%
20,233.00
+2.19%
19,799.00
Net Debt
11,190.00
+26.76%
8,828.00
-32.99%
13,175.00
-6.50%
14,091.00
Capital Lease Obligations
124.00
+11.71%
111.00
-1.77%
113.00
-17.52%
137.00
Net Tangible Assets
15,308.00
+15.12%
13,298.00
+2.60%
12,961.00
+8.56%
11,939.00
Tangible Book Value
12,984.00
+18.32%
10,974.00
+3.17%
10,637.00
+10.63%
9,615.00
Available For Sale Securities
3,892.00
+2.66%
3,791.00
+6.43%
3,562.00
+14.20%
3,119.00
Cash Cash Equivalents And Federal Funds Sold
11,809.00
+3.77%
11,380.00
+52.98%
7,439.00
+19.56%
6,222.00
Current Notes Payable
—
—
—
—
Derivative Product Liabilities
—
—
—
—
Held To Maturity Securities
4,371.00
+0.58%
4,346.00
-7.14%
4,680.00
+340.68%
1,062.00
Preferred Shares Number
1.35
+0.00%
1.35
+0.00%
1.35
+0.00%
1.35
Preferred Stock Equity
2,324.00
+0.00%
2,324.00
+0.00%
2,324.00
+0.00%
2,324.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
3,729.00
-17.65%
4,528.00
-0.64%
4,557.00
-27.05%
6,247.00
Cash Flow From Continuing Operating Activities
3,729.00
-17.65%
4,528.00
-0.64%
4,557.00
-27.05%
6,247.00
Net Income From Continuing Operations
—
—
957.00
—
Depreciation Amortization Depletion
1,397.00
+16.51%
1,199.00
-2.28%
1,227.00
-7.54%
1,327.00
Depreciation And Amortization
1,397.00
+16.51%
1,199.00
-2.28%
1,227.00
-7.54%
1,327.00
Other Non Cash Items
101.00
-75.54%
413.00
+1.98%
405.00
+404.51%
-133.00
Asset Impairment Charge
305.00
+158.47%
118.00
-20.81%
149.00
0.00
Operating Gains Losses
447.00
+538.24%
-102.00
-92.45%
-53.00
+63.95%
-147.00
Gain Loss On Investment Securities
412.00
+628.21%
-78.00
-110.81%
-37.00
+61.05%
-95.00
Unrealized Gain Loss On Investment Securities
-51.00
-950.00%
6.00
+105.61%
-107.00
-149.77%
215.00
Change In Working Capital
-799.00
-1431.67%
60.00
+445.45%
11.00
-99.41%
1,872.00
Change In Payables And Accrued Expense
-161.00
-603.13%
32.00
-92.89%
450.00
+127.27%
198.00
Change In Payable
-161.00
-603.13%
32.00
-92.89%
450.00
+127.27%
198.00
Change In Account Payable
-161.00
-603.13%
32.00
-92.89%
450.00
+127.27%
198.00
Change In Other Working Capital
237.00
-10.23%
264.00
+76.00%
150.00
-43.82%
267.00
Change In Other Current Assets
-308.00
-521.92%
73.00
+117.51%
-417.00
-143.57%
957.00
Change In Other Current Liabilities
-33.00
-125.98%
127.00
+239.56%
-91.00
+11.65%
-103.00
Investing Cash Flow
-5,264.00
-205.47%
4,991.00
+169.49%
-7,182.00
+58.40%
-17,263.00
Cash Flow From Continuing Investing Activities
-5,264.00
-205.47%
4,991.00
+169.49%
-7,182.00
+58.40%
-17,263.00
Net PPE Purchase And Sale
-1,692.00
-586.21%
348.00
-25.80%
469.00
+192.14%
-509.00
Purchase Of PPE
-4,275.00
-23.55%
-3,460.00
-25.41%
-2,759.00
+21.89%
-3,532.00
Sale Of PPE
2,583.00
-32.17%
3,808.00
+17.97%
3,228.00
+6.78%
3,023.00
Capital Expenditure
-4,275.00
-23.55%
-3,460.00
-25.41%
-2,759.00
+21.89%
-3,532.00
Purchase Of Investment
-6,832.00
-326.73%
-1,601.00
-86.81%
-857.00
+88.27%
-7,309.00
Sale Of Investment
7,541.00
+103.70%
3,702.00
+28.85%
2,873.00
-52.87%
6,096.00
Net Business Purchase And Sale
2,412.00
+23.31%
1,956.00
0.00
0.00
Purchase Of Business
—
—
0.00
0.00
Net Other Investing Changes
-600.00
+1.32%
-608.00
-5.01%
-579.00
-9.04%
-531.00
Financing Cash Flow
1,956.00
+135.14%
-5,566.00
-244.99%
3,839.00
-66.83%
11,575.00
Cash Flow From Continuing Financing Activities
1,956.00
+135.14%
-5,566.00
-244.99%
3,839.00
-66.83%
11,575.00
Net Issuance Payments Of Debt
2,562.00
+240.85%
-1,819.00
-190.59%
2,008.00
-33.42%
3,016.00
Issuance Of Debt
4,673.00
+7.75%
4,337.00
-23.98%
5,705.00
-19.93%
7,125.00
Repayment Of Debt
-5,181.00
-15.54%
-4,484.00
+2.42%
-4,595.00
+29.39%
-6,508.00
Long Term Debt Issuance
4,673.00
+7.75%
4,337.00
-23.98%
5,705.00
-19.93%
7,125.00
Long Term Debt Payments
-5,181.00
-15.54%
-4,484.00
+2.42%
-4,595.00
+29.39%
-6,508.00
Net Long Term Debt Issuance
-508.00
-245.58%
-147.00
-113.24%
1,110.00
+79.90%
617.00
Net Short Term Debt Issuance
3,070.00
+283.61%
-1,672.00
-286.19%
898.00
-62.57%
2,399.00
Net Common Stock Issuance
-59.00
-55.26%
-38.00
-15.15%
-33.00
+98.00%
-1,650.00
Common Stock Payments
-59.00
-55.26%
-38.00
-15.15%
-33.00
+98.00%
-1,650.00
Common Stock Dividend Paid
-379.00
-1.88%
-372.00
-1.09%
-368.00
+4.17%
-384.00
Cash Dividends Paid
-489.00
-1.45%
-482.00
-0.84%
-478.00
+3.24%
-494.00
Repurchase Of Capital Stock
-59.00
-55.26%
-38.00
-15.15%
-33.00
+98.00%
-1,650.00
Changes In Cash
421.00
-89.35%
3,953.00
+225.62%
1,214.00
+117.17%
559.00
Effect Of Exchange Rate Changes
8.00
+166.67%
-12.00
-500.00%
3.00
+142.86%
-7.00
Beginning Cash Position
11,380.00
+52.98%
7,439.00
+19.56%
6,222.00
+9.74%
5,670.00
End Cash Position
11,809.00
+3.77%
11,380.00
+52.98%
7,439.00
+19.56%
6,222.00
Free Cash Flow
-546.00
-151.12%
1,068.00
-40.60%
1,798.00
-33.78%
2,715.00
Interest Paid Supplemental Data
6,477.00
-11.93%
7,354.00
+15.68%
6,357.00
+146.11%
2,583.00
Income Tax Paid Supplemental Data
359.00
+165.93%
135.00
—
—
Issuance Of Capital Stock
—
—
0.00
0.00
Net Preferred Stock Issuance
—
—
0.00
0.00
Preferred Stock Dividend Paid
-110.00
+0.00%
-110.00
+0.00%
-110.00
+0.00%
-110.00
Preferred Stock Issuance
—
—
0.00
0.00
Preferred Stock Payments
—
—
0.00
0.00
Sale Of Business
2,412.00
+23.31%
1,956.00
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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