At a glance
Ally Financial Inc is worth $11.64B, about 16 times its fiscal 2025 earnings. Revenue fell 3.3% to $7.91B in fiscal 2025, with 10.8% kept as profit; over 5 years it has grown 3.4% a year. It pays a 3.09% dividend yield, and returned $5.60B to shareholders in dividends and buybacks over FY2021–FY2025. The stock returned −2.2% over the past year with dividends reinvested and −0.9% a year over five years, against +11.5% and +11.7% for the S&P 500. At its worst it fell 60.2% in the 2020 crash (S&P 500: 33.7%) and 46.0% in the 2022 bear market (S&P 500: 24.5%), and was back at its earlier high 7 months and 39 months after the lows.
The business in plain English
Ally Financial, once known as GMAC (General Motors Acceptance Corp.), is a bank holding company, meaning it owns a bank and is supervised by the Federal Reserve. It had $196.0 billion in assets as of December 31, 2025, and calls itself the nation's largest all-digital bank: Ally Bank serves customers online rather than through branches. At that date Ally Bank held $151.6 billion of deposits from outside customers. Ally Invest adds brokerage and investment advice.
Most of the money comes from cars. Ally makes loans and leases to car buyers through auto dealers, many of them GM and Stellantis dealers, and sells insurance through the same dealer network. Its biggest income source is net interest income, the gap between the interest it earns on loans and what it pays depositors and other lenders. That came to $4.7 billion in 2025, alongside $1.738 billion of noninterest income (income other than interest).
By segment, Automotive Finance produced 70.4% of 2025 revenue, Insurance 21.8% and Corporate Finance 6.8%. Corporate Finance provides capital to private equity sponsors and middle-market (mid-sized) companies. Ally sold Ally Lending in March 2024 and Ally Credit Card in April 2025. It stopped making new home mortgages in the second quarter of 2025, so that loan book will shrink over time.
Price history
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ALLY -2.2% over the year to Oct 28, 2026, total return with dividends reinvested.
How it makes money
By business segment
| Automotive Finance operations | $5.57B | 70.4% |
| Insurance operations | $1.73B | 21.8% |
| Corporate Finance operations | $538.0M | 6.8% |
Latest results
- In Q3 FY2026 (ended Sep 30, 2026), revenue was $2.33B, up 7.6% from a year earlier, and net income was $433.0M (+8.8%).
- For fiscal 2025, revenue was $7.91B (-3.3% year over year; +3.4% a year from FY2020 to FY2025) with a 10.8% net margin.
Financial health check
| Revenue growth a year (FY2020–FY2025) | +3.4% watch |
|---|---|
| Return on equity | 5.5% weak |
| Net income / revenue | 10.8% weak |
| Deposits | $155.80B |
| Loans | $144.28B |
| Fiscal year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2020 | $6.69B | $1.08B | — |
| FY2021 | $8.21B | $3.06B | — |
| FY2022 | $8.43B | $1.71B | — |
| FY2023 | $8.23B | $957.0M | — |
| FY2024 | $8.18B | $668.0M | — |
| FY2025 | $7.91B | $852.0M | — |
Valuation snapshot
| Market value | $11.64B |
|---|---|
| P/E ratio | 16.4 |
| Dividend yield | 3.09% |
Rank among 1514 US companies
Market value at each year end
Ally Financial’s market value went from $8.97B at the end of 2016 to $11.64B on Oct 28, 2026, up 30%; since the end of 2025 it is down 17%.
Show as a table
| Year end | Market value | Change |
|---|---|---|
| Oct 28, 2026 | $11.64B | -16.6% |
| 2025 | $13.95B | +27.1% |
| 2024 | $10.97B | +4.2% |
| 2023 | $10.53B | +44.2% |
| 2022 | $7.30B | -55.7% |
| 2021 | $16.49B | +23.7% |
| 2020 | $13.33B | +14.8% |
| 2019 | $11.61B | +24.1% |
| 2018 | $9.36B | -27.4% |
| 2017 | $12.89B | +43.8% |
| 2016 | $8.97B |
Price behavior
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | |
|---|---|---|---|---|---|
| ALLY price data to Oct 28, 2026 | -12.5% | -2.2% | +22.0% | -0.9% | +10.8% |
Show as a table
| Year | Price data |
|---|---|
| 2026 (to date) | -12.5% |
| 2025 | +29.9% |
| 2024 | +6.4% |
| 2023 | +49.0% |
| 2022 | -46.9% |
| 2021 | +36.0% |
| 2020 | +20.7% |
| 2019 | +38.0% |
| 2018 | -20.7% |
| 2017 | +56.1% |
| 2016 | +2.9% |
| 2015 | -21.1% |
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Before this security existed |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Lost 57.2% over that stretch · deepest drop along the way 60.2%, back to its old high 7.1 months after the low |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Lost 38.8% over that stretch · deepest drop along the way 46%, back to its old high 38.7 months after the low |
Insider activity
Form 4 filings from 2025-11-03 to 2026-11-03 (25 read): 0 open-market purchases and 3 sales ($928K), 2 of them under pre-arranged 10b5-1 trading plans.
| Date | Insider | Type | Value |
|---|---|---|---|
| Oct 21, 2026 | Kathleen L. Patterson Chief HR & Corp Citizenship | sell | $496K |
| Aug 4, 2026 | Stephanie N Richard Chief Risk Officer | sell (plan) | $221K |
| May 15, 2026 | Stephanie N Richard Chief Risk Officer | sell (plan) | $211K |
Who owns it
Large shareholders (13G filings)
| BlackRock, Inc. | 8.3% | Jun 30, 2025 |
ETFs with the most weight in ALLY
| XMVM Invesco S&P MidCap Value with Momentum ETF | 1.44% |
| FDFF Fidelity Disruptive Finance ETF | 1.28% |
| PAMC Pacer Lunt MidCap Multi-Factor Alternator ETF | 0.99% |
| MDYV SPDR S&P 400 Mid Cap Value ETF | 0.72% |
| IVOV Vanguard S&P Mid-Cap 400 Value ETF | 0.71% |
| IJJ iShares S&P Mid-Cap 400 Value ETF | 0.71% |
| NIXT Research Affiliates Deletions ETF | 0.67% |
| DFAT Dimensional U.S. Targeted Value ETF | 0.61% |
What could go wrong
- Heavy reliance on GM and Stellantis dealers. Dealers selling GM and Stellantis vehicles, and their buyers, make up a significant share of Ally's customers. Losing them, or losing ground to automakers' own finance arms, some with exclusive privileges, would hurt loan volumes.
- Used-car prices affect leases and losses. Car loans and leases make up much of Ally's earning assets. At lease end Ally must resell returned cars, so weak used-car prices mean smaller sale proceeds and bigger losses on repossessed vehicles.
- Borrowers could fall behind on payments. A weaker economy could push more borrowers into default, and Ally says growth in nonprime (weaker-credit) and used-car lending adds risk. If reserves for bad loans prove too small, earnings take a hit.
- Dependence on U.S. car sales. Ally's results depend on overall U.S. auto sales. A slump in car buying, whether from recession or other shocks, would mean fewer new loans, leases and insurance policies.
- Interest rates and deposit costs. Ally funds itself largely with deposits ($154.0 billion as of June 30, 2026). If rates paid to savers rise faster than what loans earn, net interest income shrinks. Ally warns deposit funding may be limited.
- Regulators can limit dividends and buybacks. Federal Reserve stress tests, which check how a bank would fare in a severe downturn, and capital rules could restrict Ally's dividends and buybacks. So could limits on cash its subsidiaries send to the parent.
Recent events
- Quarterly results released
- Bylaws or fiscal year changed
- Other company announcement
- Quarterly results released
- Bylaws or fiscal year changed
- Executive or board change; Shareholder vote results
- Change to shareholder rights; Bylaws or fiscal year changed; Other company announcement
- Other company announcement
- Quarterly results released
- Quarterly results released
For income and retirement investors
Ally pays a dividend, but the amount has not grown every year. The regular dividend climbed from $0.76 a share in 2020 to $1.20 in 2022, then stayed at $1.20 through 2025, leaving no streak of yearly increases. Dividends paid took about 45% of 2025 net income, and the yield was 3.09% as of October 28, 2026. Buybacks were large in 2021 and 2022, about $2.0 billion and $1.65 billion, then fell below $60 million a year. The share count dropped 15.6% between July 2021 and July 2026.
The stock has fallen hard in downturns. It lost 60% in the 2020 COVID crash and regained its prior high in about seven months. In the 2022 bear market it fell 46% and took nearly 39 months, until December 2025, to recover. Ally's 10-K warns that capital rules may limit future dividends and buybacks. Single stocks carry more risk than diversified funds, which spread money across many companies.
Questions investors ask
How does Ally Financial make money?
Mostly by financing cars. Ally makes auto loans and leases through dealers, and its Automotive Finance segment produced 70.4% of 2025 revenue. Insurance sold through the same dealers added 21.8%, and Corporate Finance, which provides capital to private equity sponsors and middle-market companies, added 6.8%. As a bank, Ally's biggest income source is net interest income, the gap between what it earns on loans and pays on deposits. That was $4.7 billion in 2025, versus $1.738 billion of noninterest income.
Does Ally Financial raise its dividend every year?
No. Ally's regular dividend rose from $0.76 a share in 2020 to $0.88 in 2021 and $1.20 in 2022, then stayed at $1.20 a year through 2025. That works out to about 9.6% annual growth over the five years, but all of it came by 2022. Dividends paid took about 45% of 2025 net income, and the yield was 3.09% as of October 28, 2026. Ally's 10-K warns that regulatory limits could restrict future dividends.
Is Ally Financial connected to GM?
Historically, yes. Ally was formerly known as GMAC, short for General Motors Acceptance Corp. The ties still matter: Ally's 10-K says GM and Stellantis dealers and their retail customers make up a significant portion of its customer base, which it lists as a concentration risk. Automakers' own finance companies compete with Ally for the same dealers, and some have exclusivity privileges with manufacturers, so a shift in those relationships could affect Ally's loan volumes.
How profitable is Ally Financial?
Ally is profitable, though earnings have swung widely. Net income was $852 million in 2025, up 27.5% from 2024, or $2.37 a diluted share, well below the $8.22 earned in 2021. Return on equity, profit as a share of shareholders' money in the business, was 5.5% in 2025. In the quarter ended June 30, 2026, net income rose 16.5% from a year earlier to $410 million. The P/E ratio, price divided by a year's earnings per share, was 16.4 on 2025 earnings as of October 28, 2026.
How has Ally Financial stock performed?
Unevenly. As of October 28, 2026, the share price was up about 178% over 10 years, or 10.8% a year, but down 4% over five years and 12.5% for the year to date. Calendar-year swings were large: a 46.9% drop in 2022, then a 49.0% gain in 2023. Volatility, a measure of how much the price swings, was 27.7% over the year to that date, and the deepest decline in its 12.6-year price history was 66.2%.