Ally Financial Inc. (ALLY) Stock Analysis
Financial Services · Credit Services · NYSE
Ally Financial Inc. (ALLY) posted $7.91B in revenue for fiscal 2025 (down 3.3% year over year), at a 9.4% net margin, and has compounded revenue about 3.4%/yr over five years, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on Ally Financial Inc.
Ally Financial Inc. has grown revenue from $5.44B to $7.91B over the last 10 fiscal years, compounding about 3.4% a year. The most recent year was down 3.3%, so growth has cooled from its longer-run pace.
Net margin sits at 9.4%, up 2.6 points year over year. It carries about $21.77B of total debt.
The one thing worth a second look in the filings is heavy debt load.
Synthesised from Ally Financial Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
Ally Financial Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.44B | $5.76B | $5.80B | $6.39B | $6.69B | $8.21B | $8.43B | $8.21B | $8.18B | $7.91B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $1.07B | $929.00M | $1.26B | $1.72B | $1.08B | $3.06B | $1.60B | $910.00M | $558.00M | $742.00M |
| Net margin | 19.6% | 16.1% | 21.8% | 26.8% | 16.2% | 37.3% | 19.0% | 11.1% | 6.8% | 9.4% |
Source: Ally Financial Inc. SEC filings (10-K). 17 years of history available in the interactive view.
Ally Financial Inc.: 2 potential red flags in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Heavy debt loadTotal debt of $24424M is 6.5× last year's operating cash flow — it would take years of cash flow to clear.
- Net margin shrinkingNet margin fell from 19.0% to 9.4% over ~3 years — profitability is compressing.
Explore 17 years of Ally Financial Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Ally Financial Inc. financial history by metric
Compare Ally Financial Inc. with peers
About Ally Financial Inc.
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.
Ally Financial Inc. — frequently asked questions
What is Ally Financial Inc.'s revenue?
Ally Financial Inc. (ALLY) reported revenue of $7.91B for fiscal year 2025, down 3.3% from the prior year, according to its SEC filings.
Is Ally Financial Inc. profitable?
Yes. ALLY earned net income of $742.00M in fiscal 2025, a net margin of 9.4%.
What is ALLY's P/E ratio?
Ally Financial Inc. trades at a price-to-earnings ratio of about 10.2 based on the latest data in our nightly-refreshed cache.
How fast is Ally Financial Inc. growing?
ALLY's revenue grew at roughly 3.4% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Ally Financial Inc. have?
As of fiscal year 2025, ALLY carried roughly $21.77B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Ally Financial Inc.'s market cap?
Ally Financial Inc. (ALLY) has a market capitalization of about $12.90B, based on the latest data in our nightly-refreshed cache.
When does Ally Financial Inc.'s fiscal year end?
ALLY's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
Where does this data come from?
All figures are computed from Ally Financial Inc.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.