| Annual · values | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| EBITDA Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | 10.77% | 8.17% | 12.42% | 20.34% | 37.29% | 16.23% | 26.82% | 21.76% | 16.11% | 19.62% | 26.52% | 24.73% |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt / Equity | 1.10 | 1.26 | 1.28 | 1.38 | 1.00 | 1.50 | 2.36 | 3.33 | 3.26 | 4.04 | 4.90 | 4.29 |
| ROE | 5.50% | 4.80% | 7.41% | 13.33% | 17.95% | 7.38% | 11.90% | 9.52% | 6.88% | 8.01% | 9.59% | 7.47% |
| ROA | 0.43% | 0.35% | 0.52% | 0.89% | 1.68% | 0.60% | 0.95% | 0.71% | 0.56% | 0.65% | 0.81% | 0.76% |
| Asset Turnover | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
| Book Value / Share | 49.51 | 44.83 | 45.11 | 40.36 | 46.69 | 38.99 | 36.46 | 31.02 | 29.63 | 27.62 | 27.83 | 31.95 |
Ally Financial Inc. is a leading digital financial services company headquartered in Detroit, Michigan, and one of the largest automotive finance providers in the United States. The company originated as the captive finance arm of General Motors in 1919 before becoming an independent, publicly traded firm in 2014. Ally operates through four primary business segments: Automotive Finance Operations, which provides consumer auto loans, dealer financing, and vehicle leasing services to millions of customers and dealers nationwide; Insurance Operations, offering vehicle protection and commercial insurance products primarily through the automotive dealer channel; Corporate Finance Operations, providing senior secured loans and asset-based financing to middle-market companies and private equity sponsors; and a leading direct banking subsidiary, Ally Bank, which offers deposit products, online banking services, and wealth management solutions. The company also operates SmartAuction, an online marketplace for vehicle auctions, and provides complementary services including corporate lending, credit cards, mortgage loans, and investment advisory services. With approximately 11 million customers and serving over 16,000 automotive dealers, Ally maintains a diversified business model that balances its core automotive finance focus with expanding digital banking and corporate lending capabilities.