Ally Financial Inc.'s income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), Ally Financial Inc. reported revenue of $7.9B (-3.3% year on year) and net income of $852.0M (+27.4% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest and fees on finance receivables and loans | $10.7B | $11.4B | $11.0B | $8.1B |
| Interest on loans held-for-sale | $24.0M | $50.0M | $34.0M | $31.0M |
| Interest and dividends on investment securities and other earning assets | $972.0M | $1.0B | $1.0B | $841.0M |
| Interest on cash and cash equivalents | $373.0M | $386.0M | $332.0M | $54.0M |
| Operating leases | $1.5B | $1.4B | $1.6B | $1.6B |
| Total financing revenue and other interest income | $13.5B | $14.2B | $14.0B | $10.6B |
| Interest on deposits | $5.3B | $6.4B | $5.8B | $2.0B |
| Interest on short-term borrowings | $35.0M | $66.0M | $73.0M | $107.0M |
| Interest on long-term debt | $1.1B | $1.0B | $1.0B | $763.0M |
| Interest on other | $3.0M | $1.0M | $4.0M | $0 |
| Total interest expense | $6.4B | $7.5B | $6.9B | $2.9B |
| Net depreciation expense on operating lease assets | $937.0M | $736.0M | $860.0M | $914.0M |
| Net financing revenue and other interest income | $6.2B | $6.0B | $6.2B | $6.8B |
| Insurance premiums and service revenue earned | $1.4B | $1.4B | $1.3B | $1.2B |
| (Loss) gain on mortgage and automotive loans, net | ($35.0M) | $24.0M | $16.0M | $52.0M |
| Other (loss) gain on investments, net | ($361.0M) | $72.0M | $144.0M | ($120.0M) |
| Other income, net of losses | $684.0M | $658.0M | $582.0M | $495.0M |
| Total other revenue | $1.7B | $2.2B | $2.0B | $1.6B |
| Total net revenue | $7.9B | $8.2B | $8.2B | $8.4B |
| Provision for credit losses | $1.5B | $2.2B | $2.0B | $1.4B |
| Compensation and benefits expense | $1.9B | $1.8B | $1.9B | $1.9B |
| Insurance losses and loss adjustment expenses | $616.0M | $544.0M | $422.0M | $280.0M |
| Goodwill impairment | $305.0M | $118.0M | $149.0M | $0 |
| Other operating expenses | $2.6B | $2.7B | $2.7B | $2.5B |
| Total noninterest expense | $5.4B | $5.2B | $5.2B | $4.7B |
| Income from continuing operations before income tax expense | $1.1B | $836.0M | $1.1B | $2.3B |
| Total income tax expense from continuing operations | $199.0M | $167.0M | $61.0M | $627.0M |
| Net income from continuing operations | $852.0M | $669.0M | $1.0B | $1.7B |
| Net income | $852.0M | $668.0M | $1.0B | $1.7B |
| Net income from continuing operations attributable to common shareholders | $742.0M | $559.0M | $912.0M | $1.6B |
| Loss from discontinued operations, net of tax | $0 | ($1.0M) | ($2.0M) | ($1.0M) |
| Net income attributable to common shareholders | $742.0M | $558.0M | $910.0M | $1.6B |
| Basic weighted-average common shares outstanding (in shares) | 310.0M | 306.9M | 303.8M | 316.7M |
| Diluted weighted-average common shares outstanding (in shares) | 313.0M | 310.2M | 305.1M | 318.6M |
| Net income from continuing operations (in dollars per share) | $2.39 | $1.82 | $3.00 | $5.07 |
| Net income (in dollars per share) | $2.39 | $1.82 | $3.00 | $5.06 |
| Net income from continuing operations (in dollars per share) | $2.37 | $1.80 | $2.99 | $5.04 |
| Loss from discontinued operations, net of tax (in dollars per share) | $0.00 | $0.00 | -$0.01 | $0.00 |
| Net income (in dollars per share) | $2.37 | $1.80 | $2.98 | $5.03 |
| Cash dividends declared per common share (in dollars per share) | $1.20 | $1.20 | $1.20 | $1.20 |
| Line item | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 | Jun 30, 2025 · Q2 |
|---|---|---|---|---|
| Interest and fees on finance receivables and loans | $2.7B | $2.7B | $2.7B | $2.6B |
| Interest on loans held-for-sale | $12.0M | $9.0M | $6.0M | $6.0M |
| Interest and dividends on investment securities and other earning assets | $242.0M | $234.0M | $250.0M | $248.0M |
| Interest on cash and cash equivalents | $80.0M | $81.0M | $92.0M | $95.0M |
| Operating leases | $390.0M | $392.0M | $365.0M | $352.0M |
| Total financing revenue and other interest income | $3.5B | $3.4B | $3.4B | $3.3B |
| Interest on deposits | $1.2B | $1.2B | $1.3B | $1.3B |
| Interest on short-term borrowings | $42.0M | $19.0M | $11.0M | $5.0M |
| Interest on long-term debt | $266.0M | $265.0M | $265.0M | $258.0M |
| Interest on other | $4.0M | — | $0 | $1.0M |
| Total interest expense | $1.5B | $1.5B | $1.6B | $1.6B |
| Net depreciation expense on operating lease assets | $269.0M | $268.0M | $225.0M | $216.0M |
| Net financing revenue and other interest income | $1.7B | $1.6B | $1.6B | $1.5B |
| Insurance premiums and service revenue earned | $368.0M | $360.0M | $361.0M | $359.0M |
| Loss on mortgage and automotive loans, net | ($6.0M) | ($3.0M) | ($3.0M) | ($4.0M) |
| Loss on extinguishment of debt | ($2.0M) | — | — | — |
| Other gain (loss) on investments, net | $76.0M | ($21.0M) | $56.0M | $61.0M |
| Other income, net of losses | $166.0M | $177.0M | $170.0M | $150.0M |
| Total other revenue | $602.0M | $513.0M | $584.0M | $566.0M |
| Total net revenue | $2.3B | $2.1B | $2.2B | $2.1B |
| Provision for credit losses | $430.0M | $467.0M | $415.0M | $384.0M |
| Compensation and benefits expense | $458.0M | $491.0M | $447.0M | $430.0M |
| Insurance losses and loss adjustment expenses | $208.0M | $121.0M | $141.0M | $203.0M |
| Goodwill impairment | $0 | $0 | $0 | $0 |
| Other operating expenses | $653.0M | $623.0M | $652.0M | $629.0M |
| Total noninterest expense | $1.3B | $1.2B | $1.2B | $1.3B |
| Income from continuing operations before income tax expense | $537.0M | $400.0M | $513.0M | $436.0M |
| Income tax expense from continuing operations | $127.0M | $81.0M | $115.0M | $84.0M |
| Net income from continuing operations | $410.0M | $319.0M | $398.0M | $352.0M |
| Net income | $410.0M | $319.0M | $398.0M | $352.0M |
| Other comprehensive income, net of tax | $62.0M | $13.0M | $275.0M | $43.0M |
| Comprehensive income | $472.0M | $332.0M | $673.0M | $395.0M |
| Net income from continuing operations attributable to common shareholders | $367.0M | $291.0M | $371.0M | $324.0M |
| Net income attributable to common shareholders | $367.0M | $291.0M | $371.0M | $324.0M |
| Basic weighted-average common shares outstanding (in shares) | 308.4M | 311.0M | 310.3M | 309.9M |
| Diluted weighted-average common shares outstanding (in shares) | 311.0M | 313.2M | 313.8M | 312.4M |
| Net income from continuing operations (in dollars per share) | $1.19 | $0.94 | $1.19 | $1.05 |
| Net income (in dollars per share) | $1.19 | $0.94 | $1.19 | $1.05 |
| Net income from continuing operations (in dollars per share) | $1.18 | $0.93 | $1.18 | $1.04 |
| Net income (in dollars per share) | $1.18 | $0.93 | $1.18 | $1.04 |
| Cash dividends declared per common share (in dollars per share) | $0.30 | $0.30 | $0.30 | $0.30 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Noninterest-bearing | $405.0M | $522.0M | $638.0M | — |
| Interest-bearing | $9.6B | $9.8B | $6.3B | — |
| Total cash and cash equivalents | $10.0B | $10.3B | $6.9B | — |
| Equity securities | $876.0M | $871.0M | $810.0M | — |
| Available-for-sale securities (amortized cost basis of $25,825 and $26,810) | $23.0B | $22.4B | $24.4B | — |
| Held-to-maturity securities (fair value of $4,451 and $4,293) | $4.4B | $4.3B | $4.7B | — |
| Loans held-for-sale, net | $549.0M | $160.0M | $400.0M | — |
| Finance receivables and loans, net of unearned income | $137.5B | $136.0B | $139.4B | $135.7B |
| Allowance for loan losses | ($3.5B) | ($3.7B) | ($3.6B) | ($3.7B) |
| Total finance receivables and loans, net | $134.0B | $132.3B | $135.9B | $132.0B |
| Investment in operating leases, net | $8.8B | $8.0B | $9.2B | — |
| Premiums receivable and other insurance assets | $2.8B | $2.8B | $2.7B | — |
| Other assets | $11.6B | $10.7B | $9.4B | $9.1B |
| Total assets | $196.0B | $191.8B | $196.4B | $191.8B |
| Noninterest-bearing | $125.0M | $131.0M | $139.0M | — |
| Interest-bearing | $151.5B | $151.4B | $154.5B | — |
| Total deposit liabilities | $151.6B | $151.6B | $154.7B | — |
| Short-term borrowings | $4.7B | $1.6B | $3.3B | — |
| Long-term debt | $17.1B | $17.5B | $17.6B | $17.8B |
| Interest payable | $729.0M | $890.0M | $858.0M | — |
| Unearned insurance premiums and service revenue | $3.7B | $3.5B | $3.5B | — |
| Accrued expenses and other liabilities | $2.7B | $2.8B | $2.7B | $2.6B |
| Total liabilities | $180.5B | $177.9B | $182.6B | $179.0B |
| Common stock and paid-in capital ($0.01 par value, shares authorized 1,100,000,000; issued 520,355,804 and 515,777,584; and outstanding 308,492,929 and 305,387,550) | 22.3B | 22.1B | 22.0B | — |
| Preferred stock | $2.3B | $2.3B | $2.3B | — |
| Retained earnings | $633.0M | $270.0M | $154.0M | — |
| Accumulated other comprehensive loss | ($2.8B) | ($3.9B) | ($3.8B) | — |
| Treasury stock, at cost (211,862,875 and 210,390,034 shares) | -7.0B | -6.9B | -6.9B | — |
| Total equity | $15.5B | $13.9B | $13.8B | — |
| Total liabilities and equity | $196.0B | $191.8B | $196.4B | — |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|
| Noninterest-bearing | $339.0M | $380.0M | $429.0M | $530.0M |
| Interest-bearing | $7.5B | $9.1B | $9.8B | $10.1B |
| Total cash and cash equivalents | $7.8B | $9.5B | $10.2B | $10.6B |
| Equity securities | $835.0M | $863.0M | $865.0M | $938.0M |
| Available-for-sale securities (amortized cost basis of $26,222 and $25,825) | $23.3B | $23.0B | $22.7B | $22.4B |
| Held-to-maturity securities (fair value of $4,299 and $4,451) | $4.3B | $4.3B | $4.4B | $4.6B |
| Loans held-for-sale, net | $406.0M | $337.0M | $179.0M | $185.0M |
| Finance receivables and loans, net of unearned income | $143.7B | $139.9B | $134.6B | $133.2B |
| Allowance for loan losses | ($3.6B) | ($3.5B) | ($3.5B) | ($3.4B) |
| Total finance receivables and loans, net | $140.1B | $136.3B | $131.1B | $129.8B |
| Investment in operating leases, net | $8.6B | $8.7B | $8.6B | $8.0B |
| Premiums receivable and other insurance assets | $2.9B | $2.8B | $2.9B | $2.9B |
| Other assets | $11.6B | $11.3B | $10.7B | $10.1B |
| Total assets | $199.8B | $197.3B | $191.7B | $189.5B |
| Noninterest-bearing | $153.0M | $137.0M | $174.0M | $155.0M |
| Interest-bearing | $153.9B | $153.0B | $148.2B | $147.7B |
| Total deposit liabilities | $154.0B | $153.2B | $148.4B | $147.9B |
| Short-term borrowings | $5.9B | $4.1B | $3.9B | $3.9B |
| Long-term debt | $17.1B | $17.3B | $16.7B | $15.9B |
| Interest payable | $895.0M | $852.0M | $1.1B | $912.0M |
| Unearned insurance premiums and service revenue | $3.7B | $3.7B | $3.6B | $3.6B |
| Accrued expenses and other liabilities | $2.7B | $2.5B | $2.8B | $2.8B |
| Total liabilities | $184.3B | $181.7B | $176.6B | $174.9B |
| Common stock and paid-in capital ($0.01 par value, shares authorized 1,100,000,000; issued 523,401,995 and 520,355,804; and outstanding 304,542,540 and 308,492,929) | 22.4B | 22.3B | 22.3B | 22.2B |
| Preferred stock | $2.0B | $2.3B | $2.3B | $2.3B |
| Retained earnings | $1.1B | $827.0M | $427.0M | $151.0M |
| Accumulated other comprehensive loss | ($2.7B) | ($2.8B) | ($2.9B) | ($3.2B) |
| Treasury stock, at cost (218,859,455 and 211,862,875 shares) | -7.3B | -7.1B | -6.9B | -6.9B |
| Total equity | $15.5B | $15.6B | $15.1B | $14.5B |
| Total liabilities and equity | $199.8B | $197.3B | $191.7B | $189.5B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net income | $852.0M | $668.0M | $1.0B | $1.7B |
| Depreciation and amortization | $1.4B | $1.2B | $1.2B | $1.3B |
| Goodwill impairment | $305.0M | $118.0M | $149.0M | $0 |
| Provision for credit losses | $1.5B | $2.2B | $2.0B | $1.4B |
| Loss (gain) on mortgage and automotive loans, net | $35.0M | ($24.0M) | ($16.0M) | ($52.0M) |
| Other loss (gain) on investments, net | $361.0M | ($72.0M) | ($144.0M) | $120.0M |
| Originations and purchases of loans held-for-sale | ($1.9B) | ($2.2B) | ($2.4B) | ($3.9B) |
| Proceeds from sales and repayments of loans held-for-sale | $2.0B | $2.6B | $2.8B | $3.8B |
| Deferred income taxes | ($534.0M) | ($436.0M) | ($58.0M) | $553.0M |
| Interest payable | ($161.0M) | $32.0M | $450.0M | $198.0M |
| Other assets | ($308.0M) | $73.0M | ($417.0M) | $957.0M |
| Other liabilities | ($33.0M) | $127.0M | ($91.0M) | ($103.0M) |
| Other, net | $237.0M | $264.0M | $150.0M | $267.0M |
| Net cash provided by operating activities | $3.7B | $4.5B | $4.7B | $6.2B |
| Purchases of equity securities | ($753.0M) | ($884.0M) | ($339.0M) | ($539.0M) |
| Proceeds from sales of equity securities | $877.0M | $915.0M | $356.0M | $846.0M |
| Purchases of available-for-sale securities | ($5.6B) | ($717.0M) | ($518.0M) | ($6.7B) |
| Proceeds from sales of available-for-sale securities | $4.3B | $168.0M | $337.0M | $820.0M |
| Proceeds from repayments of available-for-sale securities | $1.9B | $2.1B | $2.1B | $4.3B |
| Purchases of held-to-maturity securities | ($460.0M) | $0 | $0 | ($47.0M) |
| Proceeds from repayments of held-to-maturity securities | $518.0M | $476.0M | $123.0M | $154.0M |
| Purchases of finance receivables and loans held-for-investment | ($5.2B) | ($3.6B) | ($4.2B) | ($7.2B) |
| Proceeds from sales of finance receivables and loans initially held-for-investment | $59.0M | $1.4B | $258.0M | $55.0M |
| Originations and repayments of finance receivables and loans initially held-for-investment and other, net | ($771.0M) | $3.3B | ($5.0B) | — |
| Purchases of operating lease assets | ($4.3B) | ($3.5B) | ($2.8B) | ($3.5B) |
| Disposals of operating lease assets | $2.6B | $3.8B | $3.1B | $3.0B |
| Proceeds from sale of operation or business unit, net | $2.4B | $2.0B | — | — |
| Net change in nonmarketable equity investments | ($132.0M) | $84.0M | ($73.0M) | $27.0M |
| Other, net | ($600.0M) | ($608.0M) | ($579.0M) | ($531.0M) |
| Net cash (used in) provided by investing activities | ($5.3B) | $5.0B | ($7.3B) | ($17.3B) |
| Net change in short-term borrowings | $3.1B | ($1.7B) | $898.0M | $2.4B |
| Net (decrease) increase in deposits | ($58.0M) | ($3.2B) | $2.3B | $10.7B |
| Proceeds from issuance of long-term debt | $4.7B | $4.3B | $5.7B | $7.1B |
| Repayments of long-term debt | ($5.2B) | ($4.5B) | ($4.6B) | ($6.5B) |
| Repurchases of common stock | ($59.0M) | ($38.0M) | ($33.0M) | ($1.6B) |
| Common stock dividends paid | ($379.0M) | ($372.0M) | ($368.0M) | ($384.0M) |
| Preferred stock dividends paid | ($110.0M) | ($110.0M) | ($110.0M) | ($110.0M) |
| Net cash provided by (used in) financing activities | $2.0B | ($5.6B) | $3.8B | $11.6B |
| Effect of exchange-rate changes on cash and cash equivalents and restricted cash | $8.0M | ($12.0M) | $3.0M | ($7.0M) |
| Net increase in cash and cash equivalents and restricted cash | $429.0M | $3.9B | $1.2B | $552.0M |
| Cash and cash equivalents and restricted cash at beginning of year | $11.4B | $7.4B | $6.2B | $5.7B |
| Cash and cash equivalents and restricted cash at December 31, | $11.8B | $11.4B | $7.4B | $6.2B |
| Interest | $6.5B | $7.4B | $6.4B | $2.6B |
| Income taxes | $359.0M | $135.0M | ($27.0M) | ($425.0M) |
| Held-to-maturity securities received in consideration for loans sold | $0 | $56.0M | $82.0M | — |
| Line item | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD | Jun 30, 2025 · YTD |
|---|---|---|---|---|
| Net income | $729.0M | $319.0M | $525.0M | $127.0M |
| Depreciation and amortization | $756.0M | $378.0M | $1.0B | $690.0M |
| Goodwill impairment | $0 | $0 | $305.0M | $305.0M |
| Provision for credit losses | $897.0M | $467.0M | $990.0M | $575.0M |
| Loss on mortgage and automotive loans, net | $9.0M | $3.0M | $6.0M | $3.0M |
| Other (gain) loss on investments, net | ($55.0M) | $21.0M | $382.0M | $438.0M |
| Loss on extinguishment of debt | $2.0M | — | — | — |
| Originations and purchases of loans held-for-sale | ($1.8B) | ($626.0M) | ($1.4B) | ($912.0M) |
| Proceeds from sales and repayments of loans held-for-sale | $1.6B | $585.0M | $1.5B | $1.0B |
| Deferred income taxes | $45.0M | $22.0M | ($366.0M) | ($249.0M) |
| Interest payable | $166.0M | $123.0M | $207.0M | $22.0M |
| Other assets | $101.0M | $71.0M | ($227.0M) | ($153.0M) |
| Other liabilities | $80.0M | ($80.0M) | $10.0M | ($115.0M) |
| Other, net | $119.0M | $88.0M | $116.0M | $112.0M |
| Net cash provided by operating activities | $2.7B | $1.4B | $3.1B | $1.9B |
| Purchases of equity securities | ($558.0M) | ($331.0M) | ($613.0M) | ($397.0M) |
| Proceeds from sales of equity securities | $652.0M | $333.0M | $735.0M | $376.0M |
| Purchases of available-for-sale securities | ($1.6B) | ($781.0M) | ($5.0B) | ($4.5B) |
| Proceeds from sales of available-for-sale securities | $153.0M | $125.0M | $4.2B | $4.2B |
| Proceeds from repayments of available-for-sale securities | $1.1B | $506.0M | $1.4B | $954.0M |
| Purchases of held-to-maturity securities | ($108.0M) | ($44.0M) | ($412.0M) | ($412.0M) |
| Proceeds from repayments of held-to-maturity securities | $247.0M | $117.0M | $388.0M | $238.0M |
| Purchases of finance receivables and loans held-for-investment | ($4.1B) | ($1.8B) | ($3.6B) | ($2.2B) |
| Proceeds from sales of finance receivables and loans initially held-for-investment | $256.0M | $254.0M | $59.0M | $5.0M |
| Originations and repayments of finance receivables and loans initially held-for-investment and other, net | ($3.0B) | ($1.1B) | $1.3B | $1.7B |
| Purchases of operating lease assets | ($1.4B) | ($705.0M) | ($3.4B) | ($1.9B) |
| Disposals of operating lease assets | $1.0B | $474.0M | $2.1B | $1.5B |
| Proceeds from sale of operation or business unit, net | $0 | — | $2.4B | $2.4B |
| Net change in nonmarketable equity investments | ($26.0M) | $26.0M | ($71.0M) | ($36.0M) |
| Other, net | ($243.0M) | ($126.0M) | ($420.0M) | ($298.0M) |
| Net cash (used in) provided by investing activities | ($7.6B) | ($3.0B) | ($813.0M) | $1.6B |
| Net change in short-term borrowings | $1.2B | ($569.0M) | $2.3B | $2.2B |
| Net increase (decrease) in deposits | $2.5B | $1.7B | ($3.1B) | ($3.6B) |
| Proceeds from issuance of long-term debt | $1.9B | $1.1B | $2.6B | $953.0M |
| Repayments of long-term debt | ($1.9B) | ($824.0M) | ($3.4B) | ($2.6B) |
| Repurchases of common stock | ($295.0M) | ($147.0M) | ($36.0M) | ($35.0M) |
| Preferred stock issuance | $987.0M | — | — | — |
| Preferred stock redemption | ($1.4B) | — | — | — |
| Common stock dividends paid | ($194.0M) | ($102.0M) | ($285.0M) | ($192.0M) |
| Preferred stock dividends paid | ($56.0M) | ($28.0M) | ($83.0M) | ($56.0M) |
| Net cash provided by (used in) financing activities | $2.7B | $1.1B | ($2.1B) | ($3.3B) |
| Effect of exchange-rate changes on cash and cash equivalents and restricted cash | ($7.0M) | ($3.0M) | $5.0M | $10.0M |
| Net (decrease) increase in cash and cash equivalents and restricted cash | ($2.2B) | ($580.0M) | $224.0M | $128.0M |
| Cash and cash equivalents and restricted cash at beginning of year | $11.8B | $11.8B | $11.4B | $11.4B |
| Cash and cash equivalents and restricted cash at June 30, | $9.6B | — | — | $11.5B |
Ally Financial Inc. score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.