Ally Financial Inc. logo ALLY - Ally Financial Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY 0
BUY 26
HOLD 11
SELL 1
STRONG
SELL 0
| PRICE TARGET: $53.33 DETAILS
HIGH: $57.00
LOW: $48.00
MEDIAN: $54.00
CONSENSUS: $53.33
UPSIDE: 25.93%
Annual Quarterly
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Revenue
Revenue 12,154 16,369 15,967 12,097 10,694 10,721 11,558 10,421 9,852 9,817 9,844 9,851 9,621 10,064 9,023 16,278 16,130 21,193 28,068 35,335 34,136 31,305 20,140 17,676 11,528 9,621 13,692 12,128
Cost of Revenue 5,836 9,638 8,865 4,256 2,155 4,682 5,241 4,555 4,005 3,546 3,136 3,240 3,820 4,381 4,767 7,108 12,694 13,543 17,473 17,560 14,180 11,612 7,564 6,834 7,729 8,295 6,526 5,787
Gross Profit 6,318 6,731 7,102 7,841 8,539 6,039 6,317 5,866 5,847 6,271 6,708 6,611 5,801 5,683 4,256 9,170 3,436 7,650 10,595 17,775 19,956 19,693 12,576 10,842 3,799 1,326 7,166 6,341
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 3,066 3,318 3,267 3,156 2,707 2,427 2,198 2,062 1,975 1,835 1,741 1,842 1,930 2,087 2,026 3,131 3,312 4,275 4,816 6,482 7,050 7,005 15,756 14,735 8,729 7,065 11,205 10,189
Other Expenses 2,201 2,577 2,732 2,343 1,977 2,198 2,152 2,182 2,365 2,855 3,574 3,523 3,514 3,082 2,407 4,900 7,033 (1,362) 7,585 9,065 9,427 8,432 7,564 6,834 7,729 8,295 6,526 5,787
Operating Expenses 5,267 5,895 5,999 5,499 4,684 4,625 4,350 4,244 4,340 4,690 5,315 5,365 5,444 5,169 4,433 8,031 10,345 2,913 12,401 15,547 16,477 15,437 23,320 21,569 16,458 15,360 17,731 15,976
Operating Income
Operating Income 1,051 836 1,103 2,342 3,855 1,414 1,967 1,622 1,507 1,581 1,393 1,246 357 514 (177) 1,139 (6,909) 4,737 (1,806) 2,228 3,479 4,256 4,384 2,941 2,799 2,556 2,487 1,939
Interest Expense 6,408 7,472 6,897 2,857 1,914 3,243 4,243 3,637 2,857 2,629 2,429 2,783 3,319 4,052 4,606 6,666 7,091 10,441 14,406 15,560 13,106 9,659 7,564 6,834 7,729 8,295 6,526 5,787
Interest Income 13,521 14,222 13,958 10,621 8,651 8,797 9,857 9,052 8,322 8,305 8,397 8,391 8,093 7,342 6,671 11,183 12,772 18,054 22,741 24,823 22,974 21,296 0 0 0 0 0 0
Profitability
EBITDA 2,448 2,035 2,330 3,669 5,116 2,964 3,522 3,271 3,366 3,963 4,194 4,182 3,221 2,895 2,536 5,239 (951) 13,709 5,452 9,530 10,225 11,073 17,288 14,617 15,859 16,341 14,038 12,508
EBIT 1,051 836 1,103 2,342 3,855 1,414 1,967 1,622 1,507 1,581 1,393 1,246 357 514 (177) 1,139 (6,909) 4,737 (1,806) 2,228 3,479 4,256 0 0 0 0 0 0
Income Before Tax 1,051 836 1,103 2,342 3,855 1,414 1,967 1,622 1,507 1,581 1,393 1,246 357 514 (177) 1,139 (6,909) 4,737 (1,806) 2,228 3,479 4,256 4,384 2,941 2,799 2,556 2,487 1,939
Income Tax Expense 199 167 144 627 790 328 246 359 581 470 496 321 (59) (856) 42 153 74 (136) 395 103 1,197 1,362 1,591 1,071 1,047 954 960 612
Net Income 852 668 957 1,714 3,060 1,085 1,715 1,263 929 1,067 1,289 1,150 361 1,196 (157) 1,075 (10,298) 1,868 (2,332) 2,125 2,282 2,894 2,793 1,870 1,786 1,602 1,527 1,327
Per Share Data
EPS (Basic) 2.39 1.82 2.80 5.06 8.30 2.89 4.36 2.97 2.05 2.15 -2.66 1.83 -1.51 0.95 -1.92 -3.16 -41.57 4.53 -9.41 8.58 9.21 11.68 11.27 11.39 10.88 9.76 9.30 8.09
EPS (Diluted) 2.37 1.80 2.78 5.03 8.22 2.88 4.34 2.95 2.04 2.15 -2.66 1.83 -1.51 0.95 -1.92 -3.16 -41.57 4.53 -9.41 8.58 9.21 11.68 11.27 11.39 10.88 9.76 9.30 8.09
Shares Outstanding 310.8 306.9 303.8 316.7 362.6 375.6 393.2 425.2 453.7 476.3 371.5 481.9 479.8 412.6 479.8 248.2 247.7 247.7 247.7 247.7 247.7 247.7 247.7 164.1 164.1 164.1 164.1 164.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999
Current Assets
Cash & Cash Equivalents 10,030 10,292 6,945 5,571 5,062 15,621 3,555 4,537 4,252 6,118 16,382 18,311 22,718 17,976 8,103 0 0 0
Short-Term Investments 0 19,010 19,715 25,641 33,384 29,685 28,384 16,103 14,503 14,045 24,313 7,441 0 0 0 0 0 0
Net Receivables 136,808 1,241 1,124 950 727 870 706 802 666 576 899 2,891 0 0 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 549 0 0 0 0 0 0 0 0 0 0 0 269,043 0 190,838 161,068 130,736 111,726
Total Current Assets 147,387 30,543 27,784 32,162 39,173 46,730 33,196 21,969 19,928 21,178 44,523 31,197 291,761 17,976 198,941 161,068 130,736 111,726
Non-Current Assets
Property, Plant & Equipment 8,772 9,336 10,457 11,831 12,194 10,527 9,678 9,142 9,197 11,846 16,331 26,821 28,435 0 26,034 26,751 30,564 30,744
Goodwill 0 551 669 822 822 343 393 240 240 240 526 1,357 0 0 0 0 0 0
Intangible Assets 0 54 73 98 129 50 69 59 0 0 3,554 2,848 3,943 3,720 2,753 4,902 7,173 6,320
Long-Term Investments 28,220 144,959 150,707 141,191 127,937 123,611 132,142 134,537 126,718 120,837 97,334 115,665 37,844 0 0 469 0 0
Other Non-Current Assets 11,623 4,477 5,392 4,635 1,605 810 5,108 12,605 10,604 8,633 10,038 11,588 (39,988) 0 (3,667) (4,352) (3,574) (3,497)
Total Non-Current Assets 48,615 161,293 168,545 159,664 142,941 135,435 147,448 156,900 147,220 142,550 127,783 158,279 32,378 7,370 28,787 31,653 37,737 37,064
Total Assets 196,002 191,836 196,329 191,826 182,114 182,165 180,644 178,869 167,148 163,728 172,306 189,476 324,139 288,163 227,728 192,721 168,473 148,790
Current Liabilities
Account Payables 151,649 1,395 1,367 843 794 1,014 1,176 1,039 1,121 1,000 2,912 4,103 3,394 3,122 7,979 2,381 1,766 1,551
Short-Term Debt 4,695 1,625 3,297 2,399 0 2,136 5,531 9,987 11,413 12,673 17,667 10,386 92,321 0 0 0 0 0
Deferred Revenue 3,656 0 0 0 0 0 0 0 0 0 0 0 4,727 4,228 3,497 0 0 0
Other Current Liabilities 0 151,574 154,666 152,297 141,558 137,036 120,752 106,178 93,256 79,022 31,756 19,807 (95,715) 99,117 80,627 80,400 94,811 80,793
Total Current Liabilities 163,434 154,594 159,330 155,539 142,352 140,186 127,459 117,204 105,790 92,695 52,335 34,296 4,727 106,467 92,103 82,781 96,577 82,344
Non-Current Liabilities
Long-Term Debt 17,070 17,495 17,570 17,762 17,029 22,006 34,027 44,193 44,226 54,128 87,354 116,725 176,639 238,862 117,794 93,806 57,855 55,324
Deferred Tax Liabilities 0 0 0 0 10 92 67 17 0 0 302 558 0 0 0 0 0 0
Other Non-Current Liabilities 0 5,611 5,510 5,360 5,322 4,887 4,443 3,970 3,606 3,532 11,385 15,441 120,356 24,837 0 0 0 0
Total Non-Current Liabilities 17,070 23,339 23,296 23,428 22,712 27,276 38,769 48,397 47,864 57,716 99,132 133,326 296,995 263,699 117,794 93,806 57,855 55,324
Total Liabilities 180,504 177,933 182,626 178,967 165,064 167,462 166,228 165,601 153,654 150,411 151,467 167,622 301,722 267,927 209,897 176,587 154,432 137,668
Stockholders' Equity
Common Stock 22,272 22,142 21,975 21,816 21,671 21,544 21,438 21,345 21,245 21,166 13,829 9,670 5,760 5,641 5,641 5,641 5,128 2,200
Retained Earnings 633 270 91 (384) (1,599) (4,278) (4,057) (5,489) (6,406) (7,151) (5,630) 6,286 15,491 14,078 12,285 10,815 9,029 8,804
Accumulated Other Comprehensive Income (2,786) (3,924) (3,816) (4,059) (158) 631 123 (539) (235) (341) 460 (389) 2,332 1,034 (95) (644) (116) 119
Total Stockholders' Equity 15,498 13,903 13,703 12,859 17,050 14,703 14,416 13,268 13,494 13,317 20,839 21,854 22,417 20,236 17,831 16,134 14,041 11,123
Total Liabilities & Equity 196,002 191,836 196,329 191,826 182,114 182,165 180,644 178,869 167,148 163,728 172,306 189,476 324,139 288,163 227,728 192,721 168,473 148,791
Debt Metrics
Total Debt 21,765 19,231 20,980 20,298 17,204 24,329 39,754 54,370 55,639 66,801 105,021 127,111 268,960 238,862 183,232 152,033 133,593 121,359
Net Debt 11,735 8,939 14,035 14,727 12,142 8,708 36,199 49,833 51,387 60,683 88,639 108,800 246,242 220,886 175,129 152,033 133,593 121,359
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998
Operating Activities
Net Income 852 668 957 1,714 3,060 1,085 1,715 1,263 929 1,067 2,282 2,894 2,793 1,870 1,786 1,602 1,527 1,327
Depreciation & Amortization 0 1,199 1,227 1,327 1,261 1,550 1,555 1,649 1,859 2,382 6,746 6,817 5,340 4,842 5,297 5,490 5,025 4,782
Stock-Based Compensation 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (799) 60 11 1,872 (136) (32) 39 362 417 298 (32,046) (787) 44,812 28,551 44,128 4,777 29,382 (2,159)
Other Non-Cash Items 3,575 2,601 2,362 1,334 (143) 1,136 741 876 874 820 (82) 539 (47,762) (27,409) (47,883) (1,949) (25,728) (2)
Operating Cash Flow 3,628 4,528 4,557 6,247 4,042 3,739 4,050 4,150 4,079 4,567 (23,100) 9,463 4,720 7,400 3,673 10,154 10,206 3,948
Investing Activities
Capital Expenditure (4,275) (3,460) (2,759) (3,532) (5,120) (4,320) (4,023) (3,709) (4,052) (3,274) (15,763) (14,381) 0 0 0 0 0 0
Acquisitions 4,995 1,956 0 0 (699) 0 (171) 0 0 (309) (2) 9 (144) (182) 0 0 0 0
Purchases of Investments (6,964) (1,601) (857) (7,309) (23,195) (18,750) (16,211) (9,522) (12,260) (16,872) (19,165) (12,783) (15,529) (36,392) 0 0 0 0
Sales/Maturities of Investments 7,541 3,702 2,873 6,096 18,349 20,427 13,539 5,001 7,600 14,415 14,608 10,526 9,413 21,222 0 0 0 0
Other Investing Activities (6,460) 4,394 (6,439) (12,518) (433) 11,070 3,097 (6,279) (15) (3,030) 34,209 (11,069) (33,494) (18,100) (15,006) (24,585) (21,395) (23,023)
Investing Cash Flow (5,163) 4,991 (7,182) (17,263) (11,098) 8,427 (3,769) (14,509) (8,727) (9,070) 14,154 (27,372) (39,754) (33,452) (15,006) (24,585) (21,395) (23,023)
Financing Activities
Net Debt Issuance 2,562 (1,819) 2,008 3,016 (5,598) (15,842) (14,765) (965) (11,202) (7,693) (1,600) 19,133 0 0 0 0 0 0
Stock Repurchased (59) (38) (33) (1,650) (1,994) (106) (1,039) (939) (753) (1,037) 0 0 0 0 500 2,449 0 0
Dividends Paid (489) (482) (478) (494) (381) (289) (273) (242) (184) (108) (2,500) (1,500) 0 0 0 0 0 0
Other Financing Activities (58) (3,227) 2,342 10,703 4,511 16,262 14,547 12,867 14,172 12,508 6,168 4,723 44,639 24,044 20,308 14,881 11,274 18,931
Financing Cash Flow 1,956 (5,566) 3,839 11,575 (3,848) 25 (1,530) 10,721 2,033 3,670 2,068 22,356 44,639 24,044 20,308 14,881 11,274 18,931
Cash Position
Net Change in Cash (1,624) 3,941 1,217 552 (10,904) 12,194 (1,246) 357 (2,612) (832) (6,923) 4,742 9,873 (1,998) 8,953 444 86 (142)
Cash at Beginning 4,612 7,439 6,222 5,670 16,574 4,380 5,626 5,269 7,881 8,713 22,718 17,976 0 0 0 0 0 1
Cash at End 2,988 11,380 7,439 6,222 5,670 16,574 4,380 5,626 5,269 7,881 15,795 22,718 9,873 (1,998) 8,953 444 86 (141)
Free Cash Flow (647) 1,068 1,798 2,715 (1,078) (581) 27 441 27 1,293 (38,863) (4,918) 4,720 7,400 3,673 10,154 10,206 3,948
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998
Income Statement
Revenue 12,154 16,369 15,967 12,097 10,694 10,721 11,558 10,421 9,852 9,817 9,844 9,851 9,621 10,064 9,023 16,278 16,130 21,193 28,068 35,335 34,136 31,305 20,140 17,676 11,528 9,621 13,692 12,128
Gross Profit 6,318 6,731 7,102 7,841 8,539 6,039 6,317 5,866 5,847 6,271 6,708 6,611 5,801 5,683 4,256 9,170 3,436 7,650 10,595 17,775 19,956 19,693 12,576 10,842 3,799 1,326 7,166 6,341
Operating Income 1,051 836 1,103 2,342 3,855 1,414 1,967 1,622 1,507 1,581 1,393 1,246 357 514 (177) 1,139 (6,909) 4,737 (1,806) 2,228 3,479 4,256 4,384 2,941 2,799 2,556 2,487 1,939
Net Income 852 668 957 1,714 3,060 1,085 1,715 1,263 929 1,067 1,289 1,150 361 1,196 (157) 1,075 (10,298) 1,868 (2,332) 2,125 2,282 2,894 2,793 1,870 1,786 1,602 1,527 1,327
EPS (Diluted) 2.37 1.80 2.78 5.03 8.22 2.88 4.34 2.95 2.04 2.15 -2.66 1.83 -1.51 0.95 -1.92 -3.16 -41.57 4.53 -9.41 8.58 9.21 11.68 11.27 11.39 10.88 9.76 9.30 8.09
Balance Sheet
Cash & Equivalents 10,030 10,292 6,945 5,571 5,062 15,621 3,555 4,537 4,252 6,118 16,382 18,311 22,718 17,976 8,103 0 0 0
Total Assets 196,002 191,836 196,329 191,826 182,114 182,165 180,644 178,869 167,148 163,728 172,306 189,476 324,139 288,163 227,728 192,721 168,473 148,790
Total Debt 21,765 19,231 20,980 20,298 17,204 24,329 39,754 54,370 55,639 66,801 105,021 127,111 268,960 238,862 183,232 152,033 133,593 121,359
Stockholders' Equity 15,498 13,903 13,703 12,859 17,050 14,703 14,416 13,268 13,494 13,317 20,839 21,854 22,417 20,236 17,831 16,134 14,041 11,123
Cash Flow
Operating Cash Flow 3,628 4,528 4,557 6,247 4,042 3,739 4,050 4,150 4,079 4,567 (23,100) 9,463 4,720 7,400 3,673 10,154 10,206 3,948
Capital Expenditure (4,275) (3,460) (2,759) (3,532) (5,120) (4,320) (4,023) (3,709) (4,052) (3,274) (15,763) (14,381) 0 0 0 0 0 0
Free Cash Flow (647) 1,068 1,798 2,715 (1,078) (581) 27 441 27 1,293 (38,863) (4,918) 4,720 7,400 3,673 10,154 10,206 3,948