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Companies / Financials / Ally Financial Inc.
ALLY

Ally Financial Inc.

FinancialsBanks & Brokers
Ticker ALLYDETROIT, MIFiscal year ends DecemberBook value per share $49.63Diluted shares 312.1M

Ally Financial Inc. (NYSE: ALLY) operates as a financial-services company with $196.0 billion in assets as of December 31, 2025, positioning itself as the nation's largest all-digital bank combined with an industry-leading automotive financing and insurance business. The company's website is www.ally.com. From the company’s description.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$7.91BFY2025
−3.3% year over year
Last 12 mo $8.68B
31.94%FY2025
−4.8 percentage points
Last 12 mo 41.88%
$852.00MFY2025
+27.5% year over year
Last 12 mo $1.45B
7.09%FY2025
+1.6 percentage points
Last 12 mo 9.39%
Cash & financing
$3.73BFY2025
−17.6% year over year
Last 12 mo $4.57B
$3.73BFY2025
−17.6% year over year
Last 12 mo $4.57B
11.19FY2025
Was 12.28× a year earlier
Last 12 mo 1.48
313.0MFY2025
+0.9% year over year
Last 12 mo 312.1M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Ally Financial Inc. does

In the company’s own words

Ally Financial Inc. (NYSE: ALLY) operates as a financial-services company with $196.0 billion in assets as of December 31, 2025, positioning itself as the nation's largest all-digital bank combined with an industry-leading automotive financing and insurance business. The company's website is www.ally.com.

The company comprises three primary reportable segments: Dealer Financial Services, which encompasses Automotive Finance and Insurance operations; Corporate Finance, which provides capital solutions for equity sponsors and middle-market companies; and Corporate and Other, which includes centralized treasury activities, deposit operations, Ally Bank's consumer mortgage portfolio management, and Ally Invest operations. Ally Bank, the company's insured depository institution subsidiary, held total assets of $184.6 billion and nonaffiliate deposits of $151.6 billion as of December 31, 2025.

Ally's core business model centers on automotive financing and insurance for dealers and consumers, complemented by a robust digital banking platform offering deposits, securities brokerage, and investment advisory services through Ally Invest. The company recently completed strategic divestitures, closing the sales of Ally Lending on March 1, 2024, and Ally Credit Card on April 1, 2025. Consumer mortgage originations ceased during the second quarter of 2025, transitioning that portfolio to a gradual run-off status.

The company operates as both a Bank Holding Company and Financial Holding Company under Federal Reserve supervision, with Ally Bank chartered in Utah and insured by the FDIC. The organization maintains significant regulatory compliance infrastructure given its status as a Category IV firm subject to enhanced prudential standards, including supervisory stress testing on a two-year cycle and annual capital planning requirements.

Ally's strategic objectives emphasize strengthening market-leading positions in automotive finance and insurance, expanding corporate finance relationships, growing primary banking customers through Ally Bank, and advancing technology through artificial intelligence and automation investments. The company serves a diverse customer base including automotive dealers, consumers, private equity sponsors, and retail deposit customers across its integrated platform.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
DETROIT, MI
Fiscal year end
December
CIK
40729
SIC
6022

Financial performance, year by year

Fiscal 2013–2025 · USD
$-867.90M$1.74B$4.34B$6.94B$9.55B2013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Ally Financial Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

502
funds hold it
3 of 35
superinvestors hold it
$5.52B
held by funds, at market
40.0%
of shares held by funds
17
bond issues held by funds

Superinvestors in Ally Financial Inc. · what they did last quarter

Warren BuffettDECREASED -6.9%
Berkshire Hathaway
0.4%of 13F portfolio
Bill NygrenDECREASED -1.2%
Harris Associates (Oakmark)
1.6%of 13F portfolio
Tweedy BrowneINCREASED +41.1%
Tweedy, Browne
0.2%of 13F portfolio

Share of each manager’s reported 13F portfolio. Change is in shares held, since the previous quarter.

Largest fund holders · Ally Financial Inc.’s weight in each

Oakmark Fund
OAKMX · HARRIS ASSOCIATES INVESTMENT TRUST
2.54%of fund net assets
iShares Core S&P Mid-Cap ETF
IJH · iShares Trust
0.35%of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.02%of fund net assets
VANGUARD SMALL-CAP INDEX FUND
VB · VANGUARD INDEX FUNDS
0.15%of fund net assets
Oakmark Select Fund
OAKLX · HARRIS ASSOCIATES INVESTMENT TRUST
3.48%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Ally Financial Inc.’s bonds, as funds hold them

Funds report holding 17 issues of Ally Financial Inc.’s debt, $3.36B at market value — what funds hold, not the company’s total debt. Weighted-average coupon 6.50%, maturing 2026 to 2040.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Fund ownership is a subset of institutional 13F ownership — the two describe overlapping populations and must not be added together.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Ally Financial Inc. and its peers compare on margins and cash generation over ten years?”
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