Ally Financial Inc.

Listed Company

ALLYCIK 0000040729NYSELarge AcceleratedState Commercial BanksDelawareFY ends Dec 31

Period

FY 2025

Revenue

$7.91B

Net Income

$852.00M

Total Assets

$196.00B

Equity

$15.50B

Shares Out

309.09M

Op. Cash Flow

$3.73B

+ 13F Filer

Business

Ally Financial Inc. is a diversified financial-services company that operates the nation’s largest all-digital bank and a leading automotive finance and insurance business. It offers deposits, securities brokerage and investment advisory services, direct and indirect automotive financing, vehicle insurance and protection products, and corporate finance solutions for private equity sponsors and middle-market companies. Its primary business segments are Dealer Financial Services (Automotive Finance and Insurance), Corporate Finance, and Corporate and Other (including deposits, Ally Invest, mortgage servicing, and centralized treasury). The company serves customers primarily across the United States, with limited operations in Canada and Bermuda, distributing products through digital channels, dealer relationships, broker-dealer clearing arrangements, and institutional partnerships.

Summary from filing dated 2025-02-19

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest and fees on finance receivables and loans	10,697	11,394	11,020	8,099	6,468
Interest on loans held-for-sale	24	50	34	31	18
Interest and dividends on investment securities and other earning assets	972	1,037	1,022	841	600
Interest on cash and cash equivalents	373	386	332	54	15
Operating leases	1,500	1,400	1,600	1,600	1,600
Total financing revenue and other interest income	13,521	14,222	13,958	10,621	8,651
Interest on deposits	5,302	6,388	5,819	1,987	1,045
Interest on short-term borrowings	35	66	73	107	1
Interest on long-term debt	1,068	1,017	1,001	763	860
Interest on other	3	1	4	0	8
Total interest expense	6,408	7,472	6,897	2,857	—
Net depreciation expense on operating lease assets	937	736	840	914	570
Net financing revenue and other interest income	6,176	6,014	6,221	6,850	6,167
Insurance premiums and service revenue earned	1,450	1,413	1,271	1,151	1,117
(Loss) gain on mortgage and automotive loans, net	−35	24	16	52	87
Other (loss) gain on investments, net	−361	72	144	−120	285
Other income, net of losses	684	658	582	495	686
Total other revenue	1,738	2,167	2,013	1,578	2,039
Total net revenue	7,914	8,181	8,234	8,428	8,206
Provision for credit losses	1,477	2,166	1,968	1,399	241
Compensation and benefits expense	1,857	1,842	1,901	1,900	1,643
Insurance losses and loss adjustment expenses	616	544	422	280	261
Goodwill impairment	305	118	149	0	0
Other operating expenses	2,608	2,675	2,691	2,507	2,206
Total noninterest expense	5,386	5,179	5,163	4,687	4,110
Income from continuing operations before income tax expense	1,051	836	1,103	2,342	3,855
Total income tax expense from continuing operations	199	167	144	627	790
Net income from continuing operations	852	669	959	1,715	3,065
Loss from discontinued operations, net of tax	0	−1	−2	−1	−5
Net income	852	668	957	1,714	3,060
Net income from continuing operations attributable to common shareholders	742	559	849	1,605	3,008
Loss from discontinued operations, net of tax	0	−1	−2	−1	−5
Net income attributable to common shareholders	742	558	847	1,604	3,003
Basic weighted-average common shares outstanding (in shares)	310	307	304	317	363
Diluted weighted-average common shares outstanding (in shares)	313	310	305	319	365
Net income from continuing operations (in dollars per share)	2.39	1.82	2.79	5.07	8.3
Loss from discontinued operations, net of tax (in dollars per share)	0	0	−0.01	0	−0.01
Net income (in dollars per share)	2.39	1.82	2.79	5.06	8.28
Net income from continuing operations (in dollars per share)	2.37	1.8	2.78	5.04	8.24
Loss from discontinued operations, net of tax (in dollars per share)	0	0	−0.01	0	−0.01
Net income (in dollars per share)	2.37	1.8	2.77	5.03	8.22
Cash dividends declared per common share (in dollars per share)	1.2	1.2	1.2	1.2	0.88

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2024 2024-09-30	FY 2024 2024-06-30	FY 2024 2024-03-31
Noninterest-bearing	405	522	—	—	—
Interest-bearing	9,625	9,770	—	—	—
Total cash and cash equivalents	10,030	10,292	—	—	—
Equity securities	876	871	—	—	—
Available-for-sale securities (amortized cost basis of $25,825 and $26,810)	22,973	22,410	—	—	—
Held-to-maturity securities (fair value of $4,451 and $4,293)	4,371	4,346	—	—	—
Loans held-for-sale, net	549	160	—	—	—
Finance receivables and loans, net of unearned income	137,454	136,030	—	—	—
Allowance for loan losses	−3,490	−3,714	—	—	—
Total finance receivables and loans, net	133,964	132,316	—	—	—
Investment in operating leases, net	8,772	7,991	7,967	8,126	8,582
Premiums receivable and other insurance assets	2,844	2,790	—	—	—
Other assets	11,623	10,660	9,947	9,949	9,420
Total assets	196,002	191,836	—	—	—
Noninterest-bearing	125	131	—	—	—
Interest-bearing	151,524	151,443	—	—	—
Total deposit liabilities	151,649	151,574	—	—	—
Short-term borrowings	4,695	1,625	—	—	—
Long-term debt	17,070	17,495	—	—	—
Interest payable	729	890	—	—	—
Unearned insurance premiums and service revenue	3,656	3,535	—	—	—
Accrued expenses and other liabilities	2,705	2,814	—	—	—
Total liabilities	180,504	177,933	—	—	—
Commitments and contingencies (refer to Note 28 and Note 29)	—	—	—	—	—
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)	22,295	22,142	—	—	—
Preferred stock	2,324	2,324	—	—	—
Retained earnings	633	270	284	208	111
Accumulated other comprehensive loss	−2,786	−3,924	—	—	—
Treasury stock, at cost (211,862,875 and 210,390,034 shares)	−6,968	−6,909	—	—	—
Total equity	15,498	13,903	—	—	—
Total liabilities and equity	196,002	191,836	—	—	—

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization	1,397	1,199	1,227	1,327	1,261
Originations and purchases of loans held-for-sale	−1,932	−2,223	−2,406	−3,907	−4,255
Proceeds from sales and repayments of loans held-for-sale	2,033	2,636	2,811	3,774	4,107
Deferred income taxes	−534	−436	−81	553	120
Interest payable	−161	32	450	198	−204
Other assets	−308	73	−417	957	−302
Other liabilities	−33	127	−91	−103	356
Other, net	237	264	150	267	−106
Net cash provided by operating activities	3,729	4,528	4,557	6,247	4,042
Purchases of equity securities	−753	−884	−339	−539	−1,346
Proceeds from sales of equity securities	877	915	356	846	1,508
Purchases of available-for-sale securities	−5,619	−717	−518	−6,723	−21,557
Proceeds from sales of available-for-sale securities	4,270	168	337	820	5,745
Proceeds from repayments of available-for-sale securities	1,876	2,143	2,057	4,276	10,724
Purchases of held-to-maturity securities	−460	0	0	−47	−292
Proceeds from repayments of held-to-maturity securities	518	476	123	154	372
Purchases of finance receivables and loans held-for-investment	−5,249	−3,572	−4,233	−7,165	−6,756
Proceeds from sales of finance receivables and loans initially held-for-investment	59	1,400	258	55	376
Originations and repayments of finance receivables and loans initially held-for-investment and other, net	−771	3,282	−5,040	−7,927	2,896
Purchases of operating lease assets	−4,275	−3,460	−2,759	−3,532	−5,120
Disposals of operating lease assets	2,583	3,808	3,228	3,023	3,438
Proceeds from sale of operation or business unit, net	2,412	1,956	0	0	—
Net change in nonmarketable equity investments	−132	84	−73	27	56
Other, net	−600	−608	−579	−531	−443
Net cash (used in) provided by investing activities	−5,264	4,991	−7,182	−17,263	−11,098
Net change in short-term borrowings	3,070	−1,672	898	2,399	−2,136
Net (decrease) increase in deposits	−58	−3,227	2,342	10,703	4,511
Proceeds from issuance of long-term debt	4,673	4,337	5,705	7,125	2,997
Repayments of long-term debt	−5,181	−4,484	−4,595	−6,464	−6,068
Repurchases of common stock	−59	−38	−33	−1,650	−1,994
Common stock dividends paid	−379	−372	−368	−384	−324
Preferred stock dividends paid	−110	−110	−110	−110	−57
Net cash provided by (used in) financing activities	1,956	−5,566	3,839	11,575	−3,848
Effect of exchange-rate changes on cash and cash equivalents and restricted cash	8	−12	3	−7	0
Net increase in cash and cash equivalents and restricted cash	429	3,941	1,217	552	−10,904
Interest	6,477	7,354	6,357	2,583	2,033
Income taxes	359	135	−27	−425	1,292
Held-to-maturity securities received in consideration for loans sold	0	56	82	0	0
Available-for-sale securities transferred to held-to-maturity securities	0	0	3,644	0	0
Loans held-for-sale transferred to finance receivables and loans held-for-investment	19	34	208	120	136
Deconsolidation of debt related to loans sold	0	0	1,373	0	0
Finance receivables and loans held-for-investment transferred to loans held-for-sale	2,790	1,731	3,739	23	414
Transfer of nonmarketable equity investments to equity securities	0	0	19	1	0

Filings

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Holdings (13F)

Portfolio as of 2026-01-14 · 119 positions

Reported AUM

$868.04M

Holdings

119

Top sector

$868.04M

Top sectors

Sector	Value	% of portfolio
Uncategorized	$868.04M	100.0%

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