Ally Financial Inc. (ALLY) Income Statement
ALLY 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsALLY revenue and net income
Where ALLY's revenue goes
2025Each bar shows an amount and its share of revenue. ALLY kept 7.0% of revenue as net income.
ALLY profit margins
ALLY growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | −25.7% | +9.2% | +9.7% | +2.1% |
| Gross profit | −6.1% | +295.7% | −3.7% | −0.6% |
| Operating income | +25.7% | −42.8% | −25.7% | −2.8% |
| Net income | +27.5% | −20.8% | −4.7% | −4.1% |
| EPS (diluted) | −23.5% | −26.2% | −4.4% | +1.8% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
ALLY quarterly EPS vs estimates
Ally Financial beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 20, 2026 (estimate $1.32).
ALLY income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $12.15B | $16.37B | $15.97B | $9.34B | $8.91B | $7.64B | $11.56B | $10.42B | $9.85B | $9.82B |
| Cost of revenue | $5.84B | $9.64B | $8.87B | −$1.30B | $2.15B | $4.68B | $5.24B | $4.55B | $4.00B | $3.55B |
| Gross profit | $6.32B | $6.73B | $7.10B | $102.0M | $132.0M | $7.64B | $6.32B | $5.87B | $5.85B | $6.27B |
| Sales, general & admin | $3.07B | $3.32B | $3.27B | $2.64B | $2.22B | $1.74B | $2.20B | $2.06B | $1.98B | $1.83B |
| Total operating expenses | $5.27B | $5.89B | $6.00B | $4.69B | $2.21B | $851.0M | $4.35B | $4.24B | $4.34B | $4.69B |
| Operating income | $1.05B | $836.0M | $1.10B | $5.61B | $6.46B | $4.66B | $1.97B | $1.62B | $1.51B | $1.58B |
| Interest income | $13.52B | $14.22B | $13.96B | $10.62B | $8.65B | $8.80B | $9.86B | $9.05B | $8.32B | $8.30B |
| Interest expense | $6.41B | $7.47B | $6.90B | $2.86B | $1.91B | $3.24B | $4.24B | $3.64B | $2.86B | $2.63B |
| Income before taxes | $1.05B | $836.0M | $1.10B | $2.34B | $3.85B | $1.41B | $1.97B | $1.62B | $1.51B | $1.58B |
| Income taxes | $199.0M | $167.0M | $144.0M | $627.0M | $790.0M | $328.0M | $246.0M | $359.0M | $581.0M | $470.0M |
| Net income | $852.0M | $668.0M | $957.0M | $1.71B | $3.06B | $1.08B | $1.72B | $1.26B | $929.0M | $1.07B |
| EBITDA | $2.45B | $2.04B | $2.33B | $6.53B | $7.03B | $5.51B | $3.52B | $3.27B | $3.37B | $3.96B |
| EPS (diluted) | $2.41 | $3.15 | $3.06 | $5.99 | $8.60 | $3.02 | $3.73 | $3.34 | $2.41 | $2.16 |
| Gross margin | 52.0% | 41.1% | 44.5% | 1.1% | 1.5% | 100.0% | 54.7% | 56.3% | 59.3% | 63.9% |
| Operating margin | 8.6% | 5.1% | 6.9% | 60.1% | 72.4% | 61.0% | 17.0% | 15.6% | 15.3% | 16.1% |
| Net margin | 7.0% | 4.1% | 6.0% | 18.3% | 34.3% | 14.2% | 14.8% | 12.1% | 9.4% | 10.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.07B | $3.89B | $3.94B | $3.95B | $3.88B | $3.43B | $4.04B | $4.18B | $4.03B | $4.12B | $4.20B | $4.02B |
| Cost of revenue | $1.94B | $1.98B | $2.05B | $1.99B | $1.98B | $1.87B | $2.36B | $2.53B | $2.32B | $2.43B | $2.50B | $2.36B |
| Gross profit | $2.12B | $1.90B | $1.89B | $1.96B | $1.90B | $1.56B | $1.68B | $1.65B | $1.71B | $1.69B | $1.70B | $1.66B |
| Sales, general & admin | $458.0M | $491.0M | $514.0M | $811.0M | $853.0M | $888.0M | $787.0M | $803.0M | $863.0M | $865.0M | $784.0M | $804.0M |
| Total operating expenses | $1.59B | $1.50B | $1.51B | $1.44B | $1.46B | $1.85B | $1.51B | $1.42B | $1.45B | $1.51B | $1.64B | $1.44B |
| Operating income | $537.0M | $400.0M | $386.0M | $513.0M | $436.0M | −$284.0M | $175.0M | $233.0M | $257.0M | $183.0M | $64.0M | $228.0M |
| Interest income | $3.46B | $3.37B | $3.42B | $3.39B | $3.33B | $3.39B | $3.53B | $3.57B | $3.54B | $3.58B | $3.62B | $3.60B |
| Interest expense | $1.51B | $1.52B | $1.56B | $1.58B | $1.59B | $1.68B | $1.80B | $1.89B | $1.87B | $1.92B | $1.91B | $1.85B |
| Income before taxes | $537.0M | $400.0M | $386.0M | $513.0M | $436.0M | −$284.0M | $175.0M | $233.0M | $257.0M | $183.0M | $64.0M | $228.0M |
| Income taxes | $127.0M | $81.0M | $59.0M | $115.0M | $84.0M | −$59.0M | $66.0M | −$124.0M | −$37.0M | $40.0M | −$13.0M | −$68.0M |
| Net income | $410.0M | $319.0M | $327.0M | $398.0M | $352.0M | −$225.0M | $108.0M | $357.0M | $294.0M | $143.0M | $76.0M | $296.0M |
| EBITDA | $915.0M | $778.0M | $755.0M | $851.0M | $765.0M | $77.0M | $444.0M | $547.0M | $563.0M | $493.0M | $388.0M | $538.0M |
| EPS (diluted) | $1.21 | $1.11 | $1.09 | $1.15 | $0.99 | −$0.82 | $0.78 | $0.95 | $0.97 | $0.45 | $0.45 | $0.83 |
| Gross margin | 52.2% | 49.0% | 48.0% | 49.5% | 49.0% | 45.6% | 41.7% | 39.5% | 42.4% | 41.0% | 40.6% | 41.4% |
| Operating margin | 13.2% | 10.3% | 9.8% | 13.0% | 11.2% | −8.3% | 4.3% | 5.6% | 6.4% | 4.4% | 1.5% | 5.7% |
| Net margin | 10.1% | 8.2% | 8.3% | 10.1% | 9.1% | −6.6% | 2.7% | 8.5% | 7.3% | 3.5% | 1.8% | 7.4% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in ALLY's financial statements (latest annual report filed February 25, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
ALLY financial results
In fiscal year 2025 (ended December 31, 2025), Ally Financial reported revenue of $12.2 billion, down 25.7% from the year before. It had net income of $852.0 million (up 27.5%), a net profit margin of 7.0%. Diluted earnings per share came to $2.41. Over five years revenue grew at an average rate of 9.7% a year.
See the ALLY stock overview for the latest quote and news, or the ALLY chart for price history and technical indicators.
ALLY income statement FAQ
What is Ally Financial's annual revenue?
Ally Financial reported total revenue of $12.2 billion for fiscal year 2025, which ended on December 31, 2025. That was down 25.7% from $16.4 billion the previous year.
Is Ally Financial profitable?
Yes. Ally Financial reported net income of $852.0 million in fiscal 2025, a net profit margin of 7.0%; its operating margin was 8.6%.
What is Ally Financial's gross margin?
Ally Financial's gross margin was 52.0% in fiscal 2025: for every $100 of revenue, Ally Financial kept $52 after the direct cost of its products and services.
How fast is Ally Financial growing?
Revenue grew 9.7% a year on average over the last five fiscal years, from $7.6 billion to $12.2 billion.
What are Ally Financial's earnings per share?
Ally Financial earned $2.41 per diluted share in fiscal 2025, compared with $3.15 a year earlier.
When will Ally Financial report its next earnings?
Ally Financial is expected to report results for the quarter ending September 30, 2026 on October 20, 2026 before the market opens.
When does Ally Financial's fiscal year end?
Ally Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 25, 2026.