Ally Financial Inc

ally.com

What Do They Do?

Provides auto financing and insurance to dealers and consumers, digital banking and investment services to consumers, and corporate financing to businesses.

How Do They Make Money?

For vehicle protection and maintenance contracts, vehicle owners pay in full when the contract starts; Ally earns the payment over the contract term.

revenue

Segment	Share	How money arrives
Noninsurance contracts Recurring	78% FY2022: 72%	Recurring
Remarketing fee income	9.3% FY2022: 12%
Brokerage commissions and other revenue	6.6% FY2022: 7.1%
Banking fees and interchange income	3.1% FY2022: 4.9%
Brokered/agent commissions	1.1% FY2022: 1.5%
Other	2.2% FY2022: 2.6%

Who Are Their Customers?

Serves deposit and investment customers, auto dealers and retail customers with financing and insurance, and equity sponsors and middle-market companies with corporate financing.

Do Revenues Turn Into Profits?

Yes. It kept 11 cents of every revenue dollar as net income in FY2025.

Operating income, FY2025

87% of revenue

▼ −5% vs FY2024 ($7.2B, 88%)

Net income, FY2025

11% of revenue

▲ +28% vs FY2024 ($668M, 8%)

How Are They Changing?

Since the FY2025 annual report

Latest quarter: Q2 FY2026, the three months to Jun 30, 2026

Revenue: ▲ +10%; vs $2.1B in Q2 FY2025
Net income: ▲ +16%; vs $352M in Q2 FY2025

Noninsurance contracts share of revenue from contracts with customers vs 77.2% in Q2 FY2025

Flat. Revenue was $7.9B in FY2025, about the same as the $8.2B of FY2021.

Consumer lending offerings The earlier report describes online banking that included mortgage lending, point-of-sale personal loans and credit cards. The latest report says Ally Lending and Ally Credit Card were sold, and consumer mortgage originations ceased.

Revenue over time

Noninsurance contracts Remarketing fee income Brokerage commissions and other revenue Banking fees and interchange income Brokered/agent commissions Other

$2B$1B$0

FY2021 FY2022 FY2023 FY2024 FY2025

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