ALLY

MKT CAP:$14B

Ally Financial Inc.

Market Cap

$14B

Financial Services·Financial - Credit Services·🇺🇸 United States·NYSE

Financials·Financial·🇺🇸·NYSE

Stock Price

$44.18-$1.58 (-3.45%)

Apr 24, 2026

Company Details

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segment...

CEO

Michael G. Rhodes

IPO Date

Jan 28, 2014

Website

www.ally.com

Key Metrics TTM

Revenue

$15.7B

-1.7% YoY

Net Income

$1.4B

EPS (Diluted)

$4.10

Free Cash Flow

-$534M

Revenue / Share

$49.97

Gross Margin

48.9%

Operating Margin

11.1%

Net Margin

8.9%

FCF Margin

-3.4%

P/S

0.9x

P/E

9.8x

Earnings Reports

Q1 2026

Apr 17, 2026

NEW

$3.9B+13.3%EPS $0.93

FY 2025

Feb 25, 2026

$12.2B-25.7%EPS $2.37

Q4 2025

Feb 25, 2026

$3.9BEPS $0.95

Q3 2025

Oct 30, 2025

$3.9B-5.5%EPS $1.18

Q2 2025

Aug 4, 2025

$3.9BEPS $1.04

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q4 21	$2.7B	$2.1B	$899M
Q1 22	$2.7B	$2.2B	$846M
Q2 22	$2.7B	$2.0B	$634M
Q3 22	$3.0B	$1.8B	$417M
Q4 22	$3.6B	$1.9B	$445M
Q1 23	$3.8B	$1.9B	$388M
Q2 23	$3.9B	$1.8B	$403M
Q3 23	$4.0B	$1.7B	$228M
Q4 23	$4.2B	$1.7B	$64M
Q1 24	$4.1B	$1.7B	$183M
Q3 24	$4.2B	$1.6B	$233M
Q1 25	$3.4B	$1.6B	-$284M
Q2 25	$3.9B	$1.9B	$436M
Q3 25	$3.9B	$2.0B	$513M
Q4 25	$3.9B	$1.9B	$386M
Q1 26	$3.9B	$1.9B	$400M

Valuation

Quarter	P/S	P/E
Q4 21	1.5x	5.3x
Q1 22	1.4x	5.0x
Q2 22	1.0x	4.5x
Q3 22	0.8x	4.2x
Q4 22	0.7x	4.6x
Q1 23	0.6x	5.6x
Q2 23	0.6x	6.8x
Q3 23	0.5x	6.4x
Q4 23	0.7x	10.4x
Q1 24	0.7x	14.4x
Q3 24	0.7x	12.5x
Q1 25	0.7x	31.9x
Q2 25	0.8x	19.2x
Q3 25	0.8x	14.0x
Q4 25	0.9x	16.7x
Q1 26	0.8x	8.4x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q3 21	$1.5B	$256M
Q4 21	$959M	$70M
Q1 22	$1.6B	$695M
Q2 22	$1.8B	$978M
Q3 22	$1.6B	$561M
Q4 22	$1.2B	$481M
Q1 23	$1.4B	$691M
Q2 23	$1.6B	$828M
Q3 23	$1.7B	$987M
Q4 23	-$17M	-$602M
Q1 24	$1.3B	$557M
Q3 24	$992M	$58M
Q1 25	$940M	$121M
Q2 25	$947M	-$134M
Q3 25	$1.2B	-$282M
Q4 25	$652M	-$239M

Capital Expenditures

Quarter	CapEx
Q3 21	$1.2B
Q4 21	$889M
Q1 22	$946M
Q2 22	$853M
Q3 22	$1.0B
Q4 22	$692M
Q1 23	$741M
Q2 23	$760M
Q3 23	$673M
Q4 23	$585M
Q1 24	$709M
Q3 24	$934M
Q1 25	$819M
Q2 25	$1.1B
Q3 25	$1.5B
Q4 25	$891M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q4 21	-2.1%	-5.2%
Q1 22	+3.4%	+15.3%
Q2 22	+1.1%	+26.3%
Q3 22	+15.9%	+53.5%
Q4 22	+31.7%	+71.6%
Q1 23	+39.1%	+80.9%
Q2 23	+44.1%	+68.4%
Q3 23	+33.8%	+46.5%
Q4 23	+16.0%	+30.2%
Q1 24	+8.4%	+15.3%
Q3 24	+5.9%	+11.4%
Q1 25	-14.7%	-2.1%
Q2 25	-7.7%	-16.8%
Q3 25	-4.2%	-12.8%
Q4 25	-5.7%	-9.9%
Q1 26	+13.3%	-6.1%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q3 21	$0	0.0%
Q4 21	$0	0.0%
Q1 22	$0	0.0%
Q2 22	$0	0.0%
Q3 22	$0	0.0%
Q4 22	$0	0.0%
Q1 23	$0	0.0%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$0	0.0%
Q1 24	$0	0.0%
Q3 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q4 21	$614M	$98M
Q1 22	$700M	$72M
Q2 22	$677M	$77M
Q3 22	$689M	$89M
Q4 22	$724M	$128M
Q1 23	$782M	$78M
Q2 23	$740M	$79M
Q3 23	$730M	$74M
Q4 23	$707M	$77M
Q1 24	$792M	$73M
Q3 24	$734M	$69M
Q1 25	$827M	$61M
Q2 25	$788M	$65M
Q3 25	$746M	$65M
Q4 25	$323M	$191M
Q1 26	$491M	—

Revenue Segments

Quarter	(Loss) gain on mortgage and automotive loans, net	Insurance premiums and service revenue earned	Loss on extinguishment of debt	Other gain (loss) on investments, net	Other income, net of losses	Total financing revenue and other interest income
Q4 21	$14M	$280M	$36M	-$143M	$188M	$2.3B
Q1 22	$14M	$280M	—	$5M	$143M	$2.3B
Q2 22	$4M	$280M	—	-$124M	$152M	$2.5B
Q3 22	$10M	$289M	—	-$54M	$52M	$2.8B
Q4 22	$24M	$302M	—	$53M	$148M	$3.1B
Q1 23	$4M	$306M	—	$74M	$114M	$3.3B
Q2 23	$5M	$310M	—	$26M	$165M	$3.5B
Q3 23	$4M	$320M	—	-$41M	$152M	$3.6B
Q4 23	$3M	$335M	—	$85M	$151M	$3.6B
Q1 24	$6M	$345M	—	$29M	$150M	$3.6B
Q3 24	$6M	$359M	—	$74M	$176M	$3.6B
Q1 25	$1M	$364M	—	-$499M	$197M	$3.4B
Q2 25	-$4M	$359M	—	$61M	$150M	$3.3B

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$4.2B	$28.0B	$32.2B
Q3 22	$5.0B	$26.2B	$31.2B
Q4 22	$5.6B	$25.6B	$31.2B
Q1 23	$9.8B	$24.6B	$34.3B
Q2 23	$10.0B	$23.7B	$33.6B
Q3 23	$8.5B	$22.4B	$30.9B
Q4 23	$6.9B	$19.7B	$26.7B
Q1 24	$8.2B	$20.0B	$28.1B
Q2 24	$7.4B	$18.0B	$25.4B
Q3 24	$8.6B	$19.9B	$28.5B
Q4 24	$10.3B	$19.0B	$29.3B
Q1 25	$10.4B	$18.1B	$28.6B
Q2 25	$10.6B	$18.2B	$28.8B
Q3 25	$10.2B	$19.0B	$29.2B
Q4 25	$10.0B	$0	$10.0B
Q1 26	$380M	$0	$380M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q4 21	349M	-3.6%	-7.9%
Q1 22	338M	-3.1%	-10.5%
Q2 22	324M	-4.1%	-13.1%
Q3 22	310M	-4.3%	-14.3%
Q4 22	303M	-2.3%	-13.1%
Q1 23	303M	+0.1%	-10.2%
Q2 23	305M	+0.4%	-6.0%
Q3 23	306M	+0.3%	-1.4%
Q4 23	307M	+0.3%	+1.2%
Q1 24	308M	+0.6%	+1.6%
Q3 24	311M	+0.9%	+2.1%
Q1 25	309M	-0.7%	+1.1%
Q2 25	312M	+1.1%	+1.9%
Q3 25	314M	+0.4%	+1.8%
Q4 25	314M	+0.1%	+1.0%
Q1 26	313M	-0.3%	+1.4%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q4 21	$261.8K	11K
Q1 22	$260.3K	11K
Q2 22	$260.7K	11K
Q3 22	$286.4K	11K
Q4 22	$312.1K	12K
Q1 23	$327.8K	12K
Q2 23	$340.1K	12K
Q3 23	$346.7K	12K
Q4 23	$378.2K	11K
Q1 24	$371.2K	11K
Q3 24	$376.5K	11K
Q1 25	$309.0K	11K
Q2 25	$349.2K	11K
Q3 25	$355.7K	11K
Q4 25	$368.3K	11K
Q1 26	$363.3K	11K

Revenue / Employee