What is Ally Finl Inc's earnings per share (EPS)?

Ally Finl Inc (ALLY) reported diluted earnings per share of $2.37 for fiscal year 2025. This represents a 31.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Ally Finl Inc Financials

ALLY

Source SEC Filings (10-K/10-Q) Updated May 5, 2026 Currency USD FYE December

This page shows Ally Finl Inc (ALLY) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI ALLY FY2025 2026-05-05

Ally’s profit engine is the spread between asset yields and funding costs on a heavily funded balance sheet.

FY2025 net income rose to $852M from $668M even as revenue slipped to $7.9B, because interest expense eased by about $1.1B from FY2024. That link between a smaller top line and better earnings shows the real swing factor is cost of funds, not sales volume, in a business earning only 0.4% on $196.0B of assets.

Cash conversion remains stronger than headline profit: FY2025 operating cash flow was $3.7B against $852M of net income, more than 4x coverage. But that cash flow is still below the $6.2B reached in FY2022, so the earnings rebound has not been matched by equally strong balance-sheet cash generation.

With equity funding only about 7.9% of assets in FY2025, Ally remains a liability-funded model; the modest debt-to-equity reading of 0.9x does not change that basic structure. Capital and liquidity look thicker than in FY2022, with cash near $10.0B and equity at $15.5B, but ROE at 5.5% versus 13.3% shows that added cushion has come with lower return intensity.

Financial Health Signals

Financial Profile 23/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Ally Finl Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Ally Finl Inc's revenue declined 3.3% year-over-year, from $8.2B to $7.9B. This contraction results in a growth score of 30/100.

Leverage

Ally Finl Inc carries a low D/E ratio of 0.93, meaning only $0.93 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 83/100, indicating a strong balance sheet with room for future borrowing.

Returns

Ally Finl Inc generates a 5.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 24/100. This is up from 4.8% the prior year.

Piotroski F-Score Neutral

4/9

Ally Finl Inc passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

4.38x

For every $1 of reported earnings, Ally Finl Inc generates $4.38 in operating cash flow ($3.7B OCF vs $852.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$7.9B

YoY-3.3%

5Y CAGR+3.4%

10Y CAGR+5.0%

Ally Finl Inc generated $7.9B in revenue in fiscal year 2025. This represents a decrease of 3.3% from the prior year.

EBITDA

N/A

Net Income

$852.0M

YoY+27.5%

5Y CAGR-4.7%

10Y CAGR-4.1%

Ally Finl Inc reported $852.0M in net income in fiscal year 2025. This represents an increase of 27.5% from the prior year.

EPS (Diluted)

$2.37

YoY+31.7%

5Y CAGR-3.8%

Ally Finl Inc earned $2.37 per diluted share (EPS) in fiscal year 2025. This represents an increase of 31.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$10.0B

YoY-2.5%

5Y CAGR-8.5%

10Y CAGR+4.6%

Ally Finl Inc held $10.0B in cash against $14.4B in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.20

YoY+0.0%

5Y CAGR+9.6%

Ally Finl Inc paid $1.20 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

308M

YoY+0.4%

5Y CAGR-3.8%

10Y CAGR-4.4%

Ally Finl Inc had 308M shares outstanding in fiscal year 2025. This represents an increase of 0.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

10.8%

YoY+2.6pp

5Y CAGR-5.5pp

10Y CAGR-15.7pp

Ally Finl Inc's net profit margin was 10.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.6 percentage points from the prior year.

Return on Equity

5.5%

YoY+0.7pp

5Y CAGR-1.9pp

10Y CAGR-4.1pp

Ally Finl Inc's ROE was 5.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$59.0M

YoY+55.3%

5Y CAGR-11.1%

10Y CAGR+13.9%

Ally Finl Inc spent $59.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 55.3% from the prior year.

Capital Expenditures

N/A

ALLY Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$7.9B-3.3%	$8.2B-0.6%	$8.2B-2.3%	$8.4B+2.7%	$8.2B+22.7%	$6.7B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$1.9B+0.8%	$1.8B-3.1%	$1.9B+0.1%	$1.9B+15.6%	$1.6B+19.4%	$1.4B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$6.4B-14.2%	$7.5B+8.3%	$6.9B+141.4%	$2.9B+49.3%	$1.9B-41.0%	$3.2B
Income Tax	$199.0M+19.2%	$167.0M+16.0%	$144.0M-77.0%	$627.0M-20.6%	$790.0M+140.9%	$328.0M
Net Income	$852.0M+27.5%	$668.0M-30.2%	$957.0M-44.2%	$1.7B-44.0%	$3.1B+182.0%	$1.1B
EPS (Diluted)	$2.37+31.7%	$1.80-35.0%	$2.77-44.9%	$5.03-38.8%	$8.22+185.4%	$2.88

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$2.1B-1.0%	$2.1B-2.1%	$2.2B+4.1%	$2.1B+35.1%	$1.5B-23.9%	$2.0B-5.1%	$2.1B+5.6%	$2.0B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$491.0M+3.4%	$475.0M+6.3%	$447.0M+4.0%	$430.0M-14.9%	$505.0M+13.2%	$446.0M+2.5%	$435.0M-1.6%	$442.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.5B-2.9%	$1.6B-1.0%	$1.6B-0.9%	$1.6B-4.9%	$1.7B-6.9%	$1.8B-4.6%	$1.9B+1.0%	$1.9B
Income Tax	$81.0M+37.3%	$59.0M-48.7%	$115.0M+36.9%	$84.0M+242.4%	-$59.0M	$0-100.0%	$67.0M+11.7%	$60.0M
Net Income	$319.0M-2.4%	$327.0M-17.8%	$398.0M+13.1%	$352.0M+256.4%	-$225.0M-308.3%	$108.0M-45.5%	$198.0M-9.6%	$219.0M
EPS (Diluted)	$0.93	N/A	$1.18+13.5%	$1.04+226.8%	$-0.82-415.4%	$0.26-52.7%	$0.55-11.3%	$0.62

ALLY Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$196.0B+2.2%	$191.8B-2.3%	$196.3B+2.3%	$191.8B+5.3%	$182.1B0.0%	$182.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$10.0B-2.5%	$10.3B+48.2%	$6.9B+24.7%	$5.6B+10.1%	$5.1B-67.6%	$15.6B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$190.0M-65.5%	$551.0M-17.6%	$669.0M-18.6%	$822.0M0.0%	$822.0M+139.7%	$343.0M
Total Liabilities	$180.5B+1.4%	$177.9B-2.6%	$182.6B+2.0%	$179.0B+8.4%	$165.1B-1.4%	$167.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$14.4B+13.7%	$12.7B-4.2%	$13.2B-0.9%	$13.3B+19.6%	$11.2B-34.0%	$16.9B
Total Equity	$15.5B+11.5%	$13.9B+1.5%	$13.7B+6.6%	$12.9B-24.6%	$17.1B+16.0%	$14.7B
Retained Earnings	$633.0M+134.4%	$270.0M+196.7%	$91.0M+123.7%	-$384.0M+76.0%	-$1.6B+62.6%	-$4.3B

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$197.3B+0.6%	$196.0B+2.2%	$191.7B+1.2%	$189.5B-2.0%	$193.3B+0.8%	$191.8B-0.4%	$192.7B+0.2%	$192.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$9.5B-5.1%	$10.0B-2.1%	$10.2B-3.3%	$10.6B+1.8%	$10.4B+1.1%	$10.3B+19.5%	$8.6B+16.9%	$7.4B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$190.0M0.0%	$190.0M0.0%	$190.0M0.0%	$190.0M0.0%	$190.0M-65.5%	$551.0M-17.6%	$669.0M0.0%	$669.0M
Total Liabilities	$181.7B+0.6%	$180.5B+2.2%	$176.6B+1.0%	$174.9B-2.3%	$179.1B+0.7%	$177.9B-0.2%	$178.3B-0.2%	$178.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$9.9B-31.0%	$14.4B+8.8%	$13.2B+7.1%	$12.4B+2.7%	$12.0B-5.0%	$12.7B-3.0%	$13.1B+13.9%	$11.5B
Total Equity	$15.6B+0.7%	$15.5B+2.5%	$15.1B+3.9%	$14.5B+2.2%	$14.2B+2.4%	$13.9B-3.5%	$14.4B+5.2%	$13.7B
Retained Earnings	$827.0M+30.6%	$633.0M+48.2%	$427.0M+182.8%	$151.0M+293.6%	-$78.0M-128.9%	$270.0M-4.9%	$284.0M+36.5%	$208.0M

ALLY Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$3.7B-17.6%	$4.5B-0.6%	$4.6B-27.1%	$6.2B+54.6%	$4.0B+8.1%	$3.7B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$5.3B-205.5%	$5.0B+169.5%	-$7.2B+58.4%	-$17.3B-55.6%	-$11.1B-231.7%	$8.4B
Financing Cash Flow	$2.0B+135.1%	-$5.6B-245.0%	$3.8B-66.8%	$11.6B+400.8%	-$3.8B-15492.0%	$25.0M
Dividends Paid	$379.0M+1.9%	$372.0M+1.1%	$368.0M-4.2%	$384.0M+18.5%	$324.0M+12.1%	$289.0M
Share Buybacks	$59.0M+55.3%	$38.0M+15.2%	$33.0M-98.0%	$1.6B-17.3%	$2.0B+1781.1%	$106.0M

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$1.4B+114.2%	$640.0M-46.8%	$1.2B+26.9%	$947.0M+0.7%	$940.0M-1.2%	$951.0M+11.0%	$857.0M-41.1%	$1.5B
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$3.0B+31.6%	-$4.5B-86.9%	-$2.4B-181.8%	$2.9B+316.9%	-$1.3B-211.2%	$1.2B+0.9%	$1.2B+221.2%	-$986.0M
Financing Cash Flow	$1.1B-72.7%	$4.0B+213.5%	$1.3B+133.9%	-$3.8B-961.9%	$438.0M+708.3%	-$72.0M+91.8%	-$874.0M+11.0%	-$982.0M
Dividends Paid	$102.0M+8.5%	$94.0M+1.1%	$93.0M+1.1%	$92.0M-8.0%	$100.0M+8.7%	$92.0M0.0%	$92.0M+1.1%	$91.0M
Share Buybacks	$147.0M+539.1%	$23.0M+2200.0%	$1.0M0.0%	$1.0M-97.1%	$34.0M+385.7%	$7.0M+600.0%	$1.0M0.0%	$1.0M

ALLY Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	10.8%+2.6pp	8.2%-3.5pp	11.6%-8.7pp	20.3%-17.0pp	37.3%+21.1pp	16.2%
Return on Equity	5.5%+0.7pp	4.8%-2.2pp	7.0%-6.3pp	13.3%-4.6pp	17.9%+10.6pp	7.4%
Return on Assets	0.4%+0.1pp	0.4%-0.1pp	0.5%-0.4pp	0.9%-0.8pp	1.7%+1.1pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.93+0.0	0.91-0.1	0.97-0.1	1.04+0.4	0.65-0.5	1.15
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	15.2%-0.2pp	15.4%-3.0pp	18.4%+1.5pp	16.9%+31.5pp	-14.6%-19.9pp	5.3%-3.9pp	9.3%-1.6pp	10.8%
Return on Equity	2.0%-0.1pp	2.1%-0.5pp	2.6%+0.2pp	2.4%+4.0pp	-1.6%-2.4pp	0.8%-0.6pp	1.4%-0.2pp	1.6%
Return on Assets	0.2%0.0pp	0.2%-0.0pp	0.2%+0.0pp	0.2%+0.3pp	-0.1%-0.2pp	0.1%-0.0pp	0.1%-0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.64-0.3	0.93+0.1	0.88+0.0	0.850.0	0.85-0.1	0.910.0	0.91+0.1	0.84
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Ally Finl Inc's annual revenue?

Ally Finl Inc (ALLY) reported $7.9B in total revenue for fiscal year 2025. This represents a -3.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Ally Finl Inc's revenue growing?

Ally Finl Inc (ALLY) revenue declined by 3.3% year-over-year, from $8.2B to $7.9B in fiscal year 2025.

Is Ally Finl Inc profitable?

Yes, Ally Finl Inc (ALLY) reported a net income of $852.0M in fiscal year 2025, with a net profit margin of 10.8%.

How much debt does Ally Finl Inc have?

As of fiscal year 2025, Ally Finl Inc (ALLY) had $10.0B in cash and equivalents against $14.4B in long-term debt.

What is Ally Finl Inc's net profit margin?

Ally Finl Inc (ALLY) had a net profit margin of 10.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Ally Finl Inc pay dividends?

Yes, Ally Finl Inc (ALLY) paid $1.20 per share in dividends during fiscal year 2025.

What is Ally Finl Inc's return on equity (ROE)?

Ally Finl Inc (ALLY) has a return on equity of 5.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Ally Finl Inc's operating cash flow?

Ally Finl Inc (ALLY) generated $3.7B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Ally Finl Inc's total assets?

Ally Finl Inc (ALLY) had $196.0B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Ally Finl Inc buy back shares?

Yes, Ally Finl Inc (ALLY) spent $59.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Ally Finl Inc have outstanding?

Ally Finl Inc (ALLY) had 308M shares outstanding as of fiscal year 2025.

What is Ally Finl Inc's debt-to-equity ratio?

Ally Finl Inc (ALLY) had a debt-to-equity ratio of 0.93 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Ally Finl Inc's return on assets (ROA)?

Ally Finl Inc (ALLY) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Ally Finl Inc's Piotroski F-Score?

Ally Finl Inc (ALLY) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Ally Finl Inc's earnings high quality?

Ally Finl Inc (ALLY) has an earnings quality ratio of 4.38x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Ally Finl Inc?

Ally Finl Inc (ALLY) scores 23 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.