$ALLY Market Cap: $9.93 Billion
Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue
$6.089B
TTM
Gross Margin
92.96%
TTM
Net Earnings
$833.0M
TTM
Current Assets
Current Liabilities
$9.582B
Q4 2024
Current Ratio
Total Assets
$191.8B
Q4 2024
Total Liabilities
$177.9B
Q4 2024
Book Value
$13.90B
Q4 2024
Cash
$10.29B
Q4 2024
P/E
11.92
Apr 15, 2025 EST
Free Cash Flow
$1.068B
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 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
Revenue $8.181B $8.214B $8.428B $8.206B $6.686B $6.394B $5.804B $5.765B $5.437B $4.861B $4.651B $4.263B $4.465B $3.412B $3.745B $6.202B
YoY Change -0.4% -2.54% 2.71% 22.73% 4.57% 10.17% 0.68% 6.03% 11.85% 4.52% 9.1% -4.52% 30.86% -8.89% -39.62%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept 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
Revenue $8.181B $8.214B $8.428B $8.206B $6.686B $6.394B $5.804B $5.765B $5.437B $4.861B $4.651B $4.263B $4.465B $3.412B $3.745B $6.202B
Cost Of Revenue $544.0M $422.0M $280.0M $261.0M $363.0M $321.0M $295.0M $332.0M $342.0M $293.0M $410.0M $405.0M $454.0M $452.0M $511.0M $992.0M
Gross Profit $7.637B $7.792B $8.148B $7.945B $6.323B $6.073B $5.509B $5.433B $5.095B $4.568B $4.241B $3.858B $4.011B $2.960B $3.234B $5.210B
Gross Profit Margin 93.35% 94.86% 96.68% 96.82% 94.57% 94.98% 94.92% 94.24% 93.71% 93.97% 91.18% 90.5% 89.83% 86.75% 86.36% 84.01%

Selling, General & Admin Expense

No data

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operating Profits/Loss YoY Change

Operating Earnings to Gross Profit Ratio

Operating Profit Margin

Operational Expenses

Concept 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
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $438.0M $436.0M $406.0M $345.0M $314.0M $311.0M $299.0M $284.0M $274.0M $267.0M $334.0M $346.0M $317.0M $342.0M $320.0M
YoY Change 0.46% 7.39% 17.68% 9.87% 0.96% 4.01% 5.28% 3.65% 2.62% -20.06% -3.47% 9.15% -7.31% 6.88%
% of Gross Profit 5.74% 5.6% 4.98% 4.34% 4.97% 5.12% 5.43% 5.23% 5.38% 5.85% 7.88% 8.97% 7.9% 11.55% 9.89%
Depreciation & Amortization $1.199B $1.247B $1.327B $1.261B $1.550B $1.555B $1.649B $1.859B $2.382B $2.801B $2.936B $2.864B $2.381B $2.713B $4.146B $5.958B $6.722B $5.937B $6.459B $5.964B $5.433B $5.340B $4.842B $5.297B $5.490B $5.025B
YoY Change -3.85% -6.03% 5.23% -18.65% -0.32% -5.7% -11.3% -21.96% -14.96% -4.6% 2.51% 20.29% -12.24% -34.56% -30.41% -11.37% 13.22% -8.08% 8.3% 9.77% 1.74% 10.29% -8.59% -3.52% 9.25% 5.08%
% of Gross Profit 15.7% 16.0% 16.29% 15.87% 24.51% 25.61% 29.93% 34.22% 46.75% 61.32% 69.23% 74.24% 59.36% 91.66% 128.2% 114.36%
Operating Expenses $438.0M $436.0M $406.0M $345.0M $314.0M $311.0M $299.0M $284.0M $274.0M $267.0M $334.0M $346.0M $317.0M $342.0M $320.0M
YoY Change 0.46% 7.39% 17.68% 9.87% 0.96% 4.01% 5.28% 3.65% 2.62% -20.06% -3.47% 9.15% -7.31% 6.88%
Operating Profit $7.199B $7.356B $7.742B $7.600B $6.009B $5.762B $5.210B $5.149B $4.821B $4.301B $3.907B $3.512B $3.694B $2.618B $2.914B
YoY Change -2.13% -4.99% 1.87% 26.48% 4.29% 10.6% 1.18% 6.8% 12.09% 10.08% 11.25% -4.93% 41.1% -10.16%
Operating Profit To Gross Profit 94.26% 94.4% 95.02% 95.66% 95.03% 94.88% 94.57% 94.77% 94.62% 94.15% 92.12% 91.03% 92.1% 88.45% 90.11%
Operating Profit To Revenue 88.0% 89.55% 91.86% 92.62% 89.87% 90.12% 89.77% 89.31% 88.67% 88.48% 84.0% 82.38% 82.73% 76.73% 77.81%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept 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
Interest Expense $6.897B $2.857B $1.914B $3.243B $4.243B $3.637B $2.857B $2.629B $2.429B $2.783B $3.319B $4.052B $4.606B $4.832B $7.091B
YoY Change 141.41% 49.27% -40.98% -23.57% 16.66% 27.3% 8.67% 8.23% -12.72% -16.15% -18.09% -12.03% -4.68% -31.86%
% of Operating Profit 93.76% 36.9% 25.18% 53.97% 73.64% 69.81% 55.49% 54.53% 56.48% 71.23% 94.5% 109.69% 175.94% 165.82%
Other Income/Expense, Net $1.544B $1.530B $1.142B $1.276B
YoY Change 0.92% 33.98% -10.5%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 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
Pretax Income $836.0M $1.083B $2.342B $3.855B $1.414B $1.967B $1.622B $1.507B $1.581B $1.393B $1.246B $357.0M $514.0M -$177.0M -$237.0M -$6.909B $4.737B -$1.806B $2.228B $3.479B $4.256B $4.384B $2.941B $2.799B $2.556B $2.487B
YoY Change -22.81% -53.76% -39.25% 172.63% -28.11% 21.27% 7.63% -4.68% 13.5% 11.8% 249.02% -30.54% -390.4% -25.32% -96.57% -245.85% -362.29% -181.06% -35.96% -18.26% -2.92% 49.06% 5.07% 9.51% 2.77% 28.26%
Income Tax $167.0M $61.00M $627.0M $790.0M $328.0M $246.0M $359.0M $581.0M $470.0M $496.0M $321.0M -$59.00M -$856.0M $42.00M $97.00M $74.00M -$136.0M $395.0M $103.0M $1.197B $1.362B $1.591B $1.071B $1.047B $954.0M $960.0M
% Of Pretax Income 19.98% 5.63% 26.77% 20.49% 23.2% 12.51% 22.13% 38.55% 29.73% 35.61% 25.76% -16.53% -166.54% -2.87% 4.62% 34.41% 32.0% 36.29% 36.42% 37.41% 37.32% 38.6%
Net Earnings $668.0M $910.0M $1.604B $3.060B $1.085B $1.715B $1.263B $929.0M $1.067B $1.289B $1.150B $361.0M $1.196B -$157.0M $1.029B -$10.30B $1.868B -$2.332B $2.125B $2.282B $2.894B $2.793B $1.870B $1.786B $1.602B $1.527B
YoY Change -26.59% -43.27% -47.58% 182.03% -36.73% 35.79% 35.95% -12.93% -17.22% 12.09% 218.56% -69.82% -861.78% -115.26% -109.99% -651.28% -180.1% -209.74% -6.88% -21.15% 3.62% 49.36% 4.7% 11.49% 4.91% 15.07%
Net Earnings / Revenue 8.17% 11.08% 19.03% 37.29% 16.23% 26.82% 21.76% 16.11% 19.62% 26.52% 24.73% 8.47% 26.79% -4.6% 27.48% -166.04%
Basic Earnings Per Share $1.82 $3.00 $5.06 $8.28 $2.89 $4.36 $2.97 $2.05 $2.15 -$2.66 $1.83 -$1.64 $0.96 -$691.00 -$1.039K -$21.77K
Diluted Earnings Per Share $1.80 $2.99 $5.034M $8.22 $2.88 $4.34 $2.95 $2.04 $2.15 -$2.66 $1.83 -$1.64 $0.96 -$691.00 -$1.039K -$21.77K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 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
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $9.336B $9.171B $10.44B $12.19B $10.53B $9.678B $8.981B $9.197B $11.85B $16.51B $19.74B $17.92B $13.83B $9.640B $9.504B $16.33B $26.39B $28.44B $26.27B $26.03B $26.75B $30.56B $30.74B
YoY Change 1.8% -12.19% -14.35% 15.84% 8.77% 7.76% -2.35% -22.36% -28.23% -16.36% 10.16% 29.52% 43.49% 1.43% -41.8% -38.12% 8.25% 0.9% -2.68% -12.48% -0.59%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $632.0M $651.0M $608.0M $472.0M $320.0M $358.0M $262.0M $220.0M $1.751B $1.560B $587.0M $469.0M
YoY Change -2.92% 7.07% 28.81% 47.5% -10.61% 36.64% 19.09% 12.24% 165.76% 25.16%
Other Assets $1.916B $2.008B $1.087B $254.0M $94.00M $58.00M $317.0M $461.0M $994.0M $1.369B $2.446B $2.556B $32.18B $1.070B $690.0M $6.584B $0.00
YoY Change -4.58% 84.73% 327.95% 170.21% 62.07% -81.7% -31.24% -53.62% -27.39% -44.03% -4.3% -92.06% 2907.1% 55.07% -89.52%
Total Long-Term Assets
YoY Change
Total Assets $191.8B $196.4B $191.8B $182.1B $182.2B $180.6B $178.9B $167.1B $163.7B $158.6B $151.6B $151.2B $182.3B $184.1B $172.0B $172.3B $189.5B $248.9B $287.4B $320.6B $324.1B $288.2B $227.7B $192.7B $168.5B $148.8B
YoY Change
Accounts Payable $1.395B $858.0M $408.0M $794.0M $1.014B $1.176B $1.039B $1.121B $1.000B $741.0M $775.0M $1.302B $932.0M $1.587B $3.096B $2.912B $4.103B $4.223B $4.436B $3.057B $9.353B $8.121B $7.979B $2.381B $1.766B $1.551B
YoY Change 62.59% 110.29% -48.61% -21.7% -13.78% 13.19% -7.31% 12.1% 34.95% -4.39% -40.48% 39.7% -41.27% -48.74% 6.32% -29.03% -2.84% -4.8% 45.11% -67.32% 15.17% 1.78% 235.11% 34.82% 13.86%
Accrued Expenses $1.743B $2.731B $2.648B $1.538B $1.163B $1.101B $749.0M $437.0M $447.0M $601.0M $728.0M $1.310B $6.585B $14.66B $972.0M $1.125B $1.990B $2.893B $2.325B $18.22B $3.934B $4.065B $2.915B $13.92B
YoY Change -36.18% 3.13% 72.17% 32.24% 5.63% 47.0% 71.4% -2.24% -25.62% -17.45% -44.43% -80.11% -55.09% 1408.64% -13.6% -43.47% -31.21% 24.43% -87.24% 363.24% -3.22% 39.45% -79.05%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $3.297B $2.399B $0.00 $2.136B $2.581B $3.162B $4.063B $4.798B $4.101B $4.112B $8.545B $7.461B $7.680B $6.208B $10.29B $10.39B $55.03B $43.12B $38.01B $36.22B $57.14B $51.04B
YoY Change -100.0% 37.43% -100.0% -17.24% -18.37% -22.18% -15.32% 17.0% -0.27% -51.88% 14.53% -2.85% 23.71% -39.68% -0.91% 27.61% 13.46% 4.95% -36.62% 11.94%
Long-Term Debt Due $4.819B $4.340B $4.418B $5.869B $5.085B $9.219B $8.976B $37.29B $34.28B $27.43B $22.01B $18.60B $15.00B
YoY Change 11.04% -1.77% -24.72% 15.42% -44.84% 2.71% 8.79% 24.97% 24.62% 18.33% 24.05%
Total Short-Term Liabilities $7.957B $6.886B $3.056B $8.201B $7.262B $11.50B $10.76B $1.558B $1.447B $1.342B $1.503B $2.612B $7.517B $16.25B $4.068B $4.793B $6.599B $7.541B $7.010B $21.28B $50.64B $46.86B $40.17B $38.31B $21.18B $17.07B
YoY Change 15.55% 125.33% -62.74% 12.93% -36.83% 6.8% 590.89% 7.67% 7.82% -10.71% -42.46% -65.25% -53.74% 299.48% -15.13% -27.37% -12.49% 7.57% -67.06% -57.98% 8.07% 16.64% 4.87% 80.91% 24.06%
Long-Term Debt $12.68B $17.57B $17.76B $11.16B $16.92B $24.81B $35.22B $44.23B $54.13B $66.23B $66.38B $69.47B $74.56B $92.89B $86.61B $88.02B $115.9B $193.1B $237.0B $254.7B $176.6B $161.5B $117.8B $93.81B $57.86B $55.32B
YoY Change -27.85% -1.08% 59.16% -34.05% -31.79% -29.56% -20.37% -18.29% -18.28% -0.22% -4.44% -6.83% -19.73% 7.24% -1.6% -24.08% -39.98% -18.5% -6.95% 44.19% 9.4% 37.07% 25.57% 62.14% 4.57%
Other Long-Term Liabilities $4.101B $3.541B $3.453B $4.135B $4.015B $3.641B $3.455B $3.201B $3.141B $2.987B $3.084B $2.987B $25.00B $2.913B $14.28B $16.30B $14.34B $31.44B $25.87B $18.53B $15.66B $12.84B $10.26B $4.375B $14.69B $10.74B
YoY Change 15.81% 2.55% -16.49% 2.99% 10.27% 5.38% 7.94% 1.91% 5.16% -3.15% 3.25% -88.05% 758.05% -79.61% -12.39% 13.71% -54.39% 21.5% 39.64% 18.3% 22.0% 25.16% 134.45% -70.22% 36.82%
Total Long-Term Liabilities $16.78B $21.11B $21.22B $15.30B $20.94B $28.45B $38.67B $47.43B $57.27B $69.22B $69.46B $72.45B $99.56B $95.80B $100.9B $104.3B $130.3B $224.6B $262.9B $273.2B $192.3B $174.3B $128.1B $98.18B $72.55B $66.06B
YoY Change -20.53% -0.49% 38.71% -26.94% -26.41% -26.44% -18.46% -17.19% -17.27% -0.35% -4.12% -27.22% 3.92% -5.05% -3.29% -19.92% -41.99% -14.56% -3.8% 42.08% 10.33% 36.12% 30.42% 35.33% 9.82%
Total Liabilities $177.9B $182.7B $179.0B $165.1B $167.5B $166.2B $165.6B $153.7B $150.4B $145.1B $136.2B $137.0B $162.4B $164.8B $151.5B $151.5B $167.6B $233.4B $270.9B $298.9B $301.7B $267.9B $209.9B $176.6B $154.4B $137.7B
YoY Change -2.59% 2.07% 8.42% -1.43% 0.74% 0.38% 7.78% 2.16% 3.63% 6.54% -0.53% -15.69% -1.41% 8.75% 0.03% -9.64% -28.17% -13.84% -9.37% -0.94% 12.61% 27.65% 18.86% 14.35% 12.18%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 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
Basic Shares Outstanding 306.9M shares 303.8M shares 316.7M shares 362.6M shares 375.6M shares 393.2M shares 425.2M shares 453.7M shares 481.1M shares 482.9M shares 481.2K shares 420.2M shares 412.6M shares 1.331M shares 800.6K shares 529.4K shares
Diluted Shares Outstanding 310.2M shares 305.1M shares 318.6M shares 365.2M shares 377.1M shares 395.4M shares 427.7M shares 455.4M shares 482.2M shares 482.9M shares 481.9K shares 420.2M shares 412.6M shares 1.331M shares 800.6K shares 529.4K shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $9.9297 Billion

About Ally Financial Inc

Ally Financial, Inc. engages in the provision of automotive financing and insurance services. The company is headquartered in Detroit, Michigan and currently employs 10,700 full-time employees. The company went IPO on 2014-04-10. The firm's segments include Automotive Finance operations, Insurance operations, Mortgage Finance operations, and Corporate Finance operations. The Automotive Finance operations segment is engaged in providing services, such as retail installment sales contracts, loans and operating leases, offering term loans to dealers, financing dealer floorplans and other lines of credit to dealers, and other services. Insurance operations is a complementary automotive-focused business offering both consumer finance protection and insurance products sold primarily through the automotive dealer channel, and commercial insurance products sold directly to dealers. The Mortgage Finance operations segment includes its direct-to-consumer Ally Home mortgage offering and bulk purchases of jumbo and LMI mortgage loans originated by third parties. The Corporate Finance operations segment provides senior secured asset-based and leveraged cash flow loans.

Industry: State Commercial Banks Peers: American Express Co Capital One Financial Corp Credit Acceptance Corp Discover Financial Services Firstcash Holdings Inc OneMain Holdings Inc SoFi Technologies Inc Synchrony Financial