← Research LibraryThe BriefFY2025 10-K · headline figures audited against SEC data
Ally sold its credit card business and stopped originating mortgages in 2025 to concentrate on auto finance, insurance and corporate lending; total net revenue fell 3.3% to $7.91B but net income rose 27.5% to $0.85B as credit provisions dropped $689 million.
The read at a glance✓ Audited against SEC data
- Growth — Total net revenue -3.3% to $7.91BWatch
- Profitability — Net income +27.5% to $0.85B; return on equity 5.77%OK
- Balance sheet — CET1 ratio 10.23%, from 9.82%; deposits $151.6BOK
- Accounting quality — Bankruptcy and manipulation screens do not apply to banksNote
- Capital allocation — Dividends $0.38B; buybacks $0.06B; $2.0B program authorizedNote
- Credit — Consumer auto net charge-offs 2.0%, from 2.2%OK
Business
Ally Financial is a bank holding company built around auto lending. Its Automotive Finance arm lends to car buyers and dealers, Insurance sells vehicle service contracts, GAP and dealer inventory coverage, and Corporate Finance lends to private-equity-backed companies. Ally Bank is a digital bank with no branches, funded by $151.6 billion of deposits from about 3.5 million customers.
Where the revenue comes from
Fiscal 2025, as Ally Financial Inc. reports it. History and quarterly detail are in the app.
- Automotive Finance operations$5.6B
- Insurance operations$1.7B
- Corporate Finance operations$538.0M
Leadership changes
From Ally Financial Inc.'s own filings, the day they're filed.
- Austin T. McGrath · Chief Accounting Officer · appointmenteff. 2025-08-08
- Stephanie N. Richard · Chief Risk Officer · appointmenteff. 2024-11-20
- Diane E. Morais · President · departureeff. 2024-07-01
Latest filings
- 8-K · Company announcement2026-10-07
- 8-K · Company announcement2026-09-16
- 10-Q · Quarterly report2026-07-23
- 8-K · Company announcement2026-07-21
- 8-K · Company announcement2026-05-20
In the full recordFree for 14 days
- What changed🔒
- Insider signal🔒
- Growth quality🔒
- Margins & accounting🔒
- Capital allocation🔒
- Real risks🔒
- The long arc🔒
- Company history🔒
- The filings, readable — with what changed vs the prior year highlighted🔒
- Full financial statements, industry-aware, sources cited throughout🔒
- Forensic score history & components — the trend, not one year🔒
- Ownership: insider buys/sells, clusters, activist stakes🔒
- Ana — ask about Ally Financial Inc., every answer cited to the official filings🔒
Every figure comes from the company's filings, and analysis whose figures don't match SEC data is rejected before publication.
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