Ally Financial Inc.
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ALLY FY 2025 request
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| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Revenue | 7,914 | 8,181 | -3.3% |
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| Automotive Finance operations · Operating Segments | 5,572 | 5,834 | -4.5% |
| Corporate Finance operations · Operating Segments | 538 | 579 | -7.1% |
| Insurance operations · Operating Segments | 1,725 | 1,621 | +6.4% |
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| Parent Company | 364 | 450 | -19.1% |
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| Corporate and Other | 79 | 147 | -46.3% |
| Revenue | 1,244 | 1,198 | +3.8% |
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| Banking fees and interchange income | 39 | 47 | -17.0% |
| Banking fees and interchange income · Corporate and Other | 39 | 47 | -17.0% |
| Brokerage commissions and other revenue | 82 | 88 | -6.8% |
| Brokerage commissions and other revenue · Corporate and Other | 82 | 88 | -6.8% |
| Brokered/agent commissions | 14 | 20 | -30.0% |
| Brokered/agent commissions · Insurance operations | 14 | 20 | -30.0% |
| Noninsurance contracts | 966 | 909 | +6.3% |
| Noninsurance contracts · Insurance operations | 966 | 909 | +6.3% |
| Product And Service Other | 27 | 22 | +22.7% |
| Product And Service Other · Automotive Finance operations | 22 | 19 | +15.8% |
| Product And Service Other · Corporate and Other | 3 | — | — |
| Product And Service Other · Insurance operations | 2 | 3 | -33.3% |
| Remarketing fee income | 116 | 112 | +3.6% |
| Remarketing fee income · Automotive Finance operations | 116 | 112 | +3.6% |
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| Automotive Finance operations · Operating Segments | 138 | 131 | +5.3% |
| Insurance operations · Operating Segments | 982 | 932 | +5.4% |
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| Corporate and Other | 124 | 135 | -8.1% |
| Income Before Taxes | 1,051 | 836 | +25.7% |
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| Automotive Finance operations · Operating Segments | 1,640 | 1,816 | -9.7% |
| Corporate Finance operations · Operating Segments | 365 | 434 | -15.9% |
| Insurance operations · Operating Segments | 200 | 168 | +19.0% |
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| Parent Company | -76 | -31 | -145.2% |
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| Corporate and Other | -1,154 | -1,582 | +27.1% |
| Income Tax Expense (Benefit) | 199 | 167 | +19.2% |
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| Parent Company | -273 | -327 | +16.5% |
| Net Income | 852 | 668 | +27.5% |
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| Retained Earnings | 852 | 668 | +27.5% |
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| Parent Company | 852 | 668 | +27.5% |
| Comprehensive Income | 1,990 | 560 | +255.4% |
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| Parent Company | 1,990 | 560 | +255.4% |
| Other Comprehensive Income | 1,138 | -108 | +1153.7% |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent | 23 | -12 | +291.7% |
| Accumulated Net Unrealized Investment Gain Loss | 1,047 | -161 | +750.3% |
| Accumulated Other Comprehensive Income | 1,138 | -108 | +1153.7% |
| Accumulated Translation Adjustment | 8 | -13 | +161.5% |
| Held-to-maturity securities | 65 | 66 | -1.5% |
| Net investment hedges | -5 | 12 | -141.7% |
| Translation adjustments and net investment hedges | 3 | -1 | +400.0% |
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| Parent Company | 1,138 | -108 | +1153.7% |
| EPS (Basic) | 2.39 | 1.82 | +31.3% |
| EPS (Diluted) | 2.37 | 1.8 | +31.7% |
| Wtd Avg Shares (Basic) | 310,015 | 306,913 | +1.0% |
| Wtd Avg Shares (Diluted) | 313,043 | 310,160 | +0.9% |
| Gain Loss On Investments | -361 | 72 | -601.4% |
| Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax | -2 | -21 | +90.5% |
| Net Income Loss Available To Common Stockholders Basic | 742 | 558 | +33.0% |
| Operating Lease Lease Income | 1,455 | 1,355 | +7.4% |
| Other Noninterest Expense | 2,608 | 2,675 | -2.5% |
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| Automotive Finance operations · Operating Segments | 1,530 | 1,445 | +5.9% |
| Corporate Finance operations · Operating Segments | 60 | 57 | +5.3% |
| Insurance operations · Operating Segments | 796 | 801 | -0.6% |
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| Corporate and Other | 222 | 372 | -40.3% |
| Noninterest Income | 1,738 | 2,167 | -19.8% |
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| Automotive Finance operations · Operating Segments | 389 | 363 | +7.2% |
| Corporate Finance operations · Operating Segments | 104 | 123 | -15.4% |
| Insurance operations · Operating Segments | 1,596 | 1,507 | +5.9% |
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| Parent Company | 175 | 134 | +30.6% |
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| Corporate and Other | -351 | 174 | -301.7% |
| Noninterest Expense | 5,386 | 5,179 | +4.0% |
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| Automotive Finance operations · Operating Segments | 2,223 | 2,113 | +5.2% |
| Corporate Finance operations · Operating Segments | 142 | 137 | +3.6% |
| Insurance operations · Operating Segments | 1,525 | 1,453 | +5.0% |
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| Parent Company | 435 | 473 | -8.0% |
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| Corporate and Other | 1,496 | 1,476 | +1.4% |
| Policyholder Benefits And Claims Incurred Net | 616 | 544 | +13.2% |
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| Insurance operations · Operating Segments | 616 | 544 | +13.2% |
| Interest Expense Operating | 6,408 | 7,472 | -14.2% |
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| Automotive Finance operations · Operating Segments | 4,431 | 4,266 | +3.9% |
| Corporate Finance operations · Operating Segments | 498 | 550 | -9.5% |
| Insurance operations · Operating Segments | 59 | 54 | +9.3% |
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| Corporate and Other | 1,420 | 2,602 | -45.4% |
| Labor And Related Expense | 1,857 | 1,842 | +0.8% |
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| Automotive Finance operations · Operating Segments | 693 | 668 | +3.7% |
| Corporate Finance operations · Operating Segments | 82 | 80 | +2.5% |
| Insurance operations · Operating Segments | 113 | 108 | +4.6% |
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| Corporate and Other | 969 | 986 | -1.7% |
| Preferred Stock Dividends Income Statement Impact (FY) | — | — | — |
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| Series B Preferred Stock | -63 | -63 | 0.0% |
| Series C Preferred Stock | -47 | -47 | 0.0% |
| Premiums Earned Net | 482 | 419 | +15.0% |
| Income Loss From Equity Method Investments | 81 | 20 | +305.0% |
| Marketing And Advertising Expense | 259 | 285 | -9.1% |
| Professional Fees | 145 | 147 | -1.4% |
| Communications And Information Technology | 429 | 438 | -2.1% |
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| Automotive Finance operations · Operating Segments | 119 | 129 | -7.8% |
| Corporate Finance operations · Operating Segments | 5 | 5 | 0.0% |
| Insurance operations · Operating Segments | 19 | 19 | 0.0% |
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| Corporate and Other | 286 | 285 | +0.4% |
Balance Sheet
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 10,030 | 10,292 | -2.5% |
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| Parent Company | 2,955 | 4,579 | -35.5% |
| Non-Current Assets | |||
| Property, Plant & Equipment | 1,150 | 1,253 | -8.2% |
| Operating Lease Right-of-Use Assets | 109 | 92 | +18.5% |
| Goodwill | 190 | 551 | -65.5% |
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| Automotive Finance operations · Operating Segments | 20 | 20 | 0.0% |
| Insurance operations · Operating Segments | 27 | 27 | 0.0% |
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| Corporate and Other | 143 | 504 | -71.6% |
| Corporate and Other · Ally Invest | 143 | 143 | 0.0% |
| Total Assets | 196,002 | 191,836 | +2.2% |
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| Automotive Finance operations · Operating Segments | 115,753 | 113,057 | +2.4% |
| Corporate Finance operations · Operating Segments | 12,989 | 9,704 | +33.9% |
| Insurance operations · Operating Segments | 9,931 | 9,325 | +6.5% |
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| Ally Bank | 184.6 | 181.4 | +1.8% |
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| Parent Company | 27,195 | 26,547 | +2.4% |
| Variable Interest Entity | 15,024 | 15,681 | -4.2% |
| Variable Interest Entity Not Primary Beneficiary · Commercial Portfolio Segment | 2,822 | 2,768 | +2.0% |
| Variable Interest Entity Not Primary Beneficiary · Consumer Portfolio Segment | 53 | 92 | -42.4% |
| Variable Interest Entity Primary Beneficiary | 3,240 | 4,666 | -30.6% |
| Variable Interest Entity Primary Beneficiary · Consumer Portfolio Segment | 12,149 | 12,821 | -5.2% |
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| Corporate and Other | 57,329 | 59,750 | -4.1% |
| Current Liabilities | |||
| Current Portion of Long-Term Debt | 2,659 | 4,819 | -44.8% |
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| Secured Debt | 2,659 | 2,411 | +10.3% |
| Non-Current Liabilities | |||
| Long-Term Debt | 17,070 | 17,495 | -2.4% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 12,642 | 13,535 | -6.6% |
| Fair Value Inputs Level3 · Estimate Of Fair Value Fair Value Disclosure | 5,707 | 4,982 | +14.6% |
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| Long Term Debt · Secured Debt | 7,058 | — | — |
| Long Term Debt · Unsecured Debt | 10,701 | — | — |
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| Parent Company | 10,020 | 11,068 | -9.5% |
| Parent Company · Senior Notes | 2 | 2 | 0.0% |
| Variable Interest Entity Primary Beneficiary | 1,479 | 1,561 | -5.3% |
| Variable Interest Entity Primary Beneficiary · Consumer Portfolio Segment | 137 | 118 | +16.1% |
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| Carrying Reported Amount Fair Value Disclosure | 17,070 | 17,495 | -2.4% |
| Estimate Of Fair Value Fair Value Disclosure | 18,349 | 18,517 | -0.9% |
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| Secured Debt | 7,058 | 6,433 | +9.7% |
| Unsecured Debt | 10,012 | 11,062 | -9.5% |
| Long-Term Debt | 14,411 | 12,676 | +13.7% |
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| Secured Debt | 4,399 | 4,022 | +9.4% |
| Unsecured Debt | 10,012 | 8,654 | +15.7% |
| Total Liabilities | 180,504 | 177,933 | +1.4% |
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| Parent Company | 11,697 | 12,644 | -7.5% |
| Variable Interest Entity | 2,439 | 2,705 | -9.8% |
| Variable Interest Entity Not Primary Beneficiary · Commercial Portfolio Segment | 820 | 1,022 | -19.8% |
| Variable Interest Entity Primary Beneficiary | 1,482 | 1,565 | -5.3% |
| Variable Interest Entity Primary Beneficiary · Consumer Portfolio Segment | 1,619 | 1,683 | -3.8% |
| Stockholders' Equity | |||
| Retained Earnings | 633 | 270 | +134.4% |
| Accumulated Other Comprehensive Income | -2,786 | -3,924 | +29.0% |
| Total Stockholders' Equity | 15,498 | 13,903 | +11.5% |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent | 2 | -21 | +109.5% |
| Accumulated Net Unrealized Investment Gain Loss | -2,260 | -3,307 | +31.7% |
| Accumulated Other Comprehensive Income | -2,786 | -3,924 | +29.0% |
| Common Stock Including Additional Paid In Capital | 22,295 | 22,142 | +0.7% |
| Held-to-maturity securities | -551 | -616 | +10.6% |
| Preferred Stock | 2,324 | 2,324 | 0.0% |
| Retained Earnings | 633 | 270 | +134.4% |
| Translation adjustments and net investment hedges | 23 | 20 | +15.0% |
| Treasury Stock Common | -6,968 | -6,909 | -0.9% |
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| Parent Company | 15,498 | 13,903 | +11.5% |
| Total Liabilities & Equity | 196,002 | 191,836 | +2.2% |
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| Parent Company | 27,195 | 26,547 | +2.4% |
Cash Flow Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Deferred Income Taxes | -168 | 28 | -700.0% |
| Net Cash from Operations | 3,729 | 4,528 | -17.6% |
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| Parent Company | 275 | 511 | -46.2% |
| Investing Activities | |||
| Purchases of Investments | -5,619 | -717 | -683.7% |
| Other Investing Activities | -600 | -608 | +1.3% |
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| Parent Company | -15 | -27 | +44.4% |
| Net Cash from Investing | -5,264 | 4,991 | -205.5% |
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| Parent Company | -176 | -165 | -6.7% |
| Financing Activities | |||
| Share Repurchases | -59 | -38 | -55.3% |
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| Parent Company | -59 | -38 | -55.3% |
| Net Cash from Financing | 1,956 | -5,566 | +135.1% |
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| Parent Company | -1,723 | 322 | -635.1% |
| Supplemental | |||
| Income Taxes Paid | 359 | 135 | +165.9% |
| Interest Paid | 6,477 | 7,354 | -11.9% |
| Other Cash Flow | |||
| Net Change in Cash | 429 | 3,941 | -89.1% |
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| Parent Company | -1,624 | 668 | -343.1% |
Values in millions USD. Source: SEC EDGAR 10-K filing.