Ally Financial Inc.

For the period ended Dec 31, 2025. Filed Feb 25, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 25, 2026

ALLY$38.53+0.9%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Consolidated Statement of Income

Year ended December 31, ($ in millions)	2025	2024	2023
Financing revenue and other interest income
Interest and fees on finance receivables and loans	$10,697	$11,394	$11,020
Interest on loans held-for-sale	24	50	34
Interest and dividends on investment securities and other earning assets	972	1,037	1,022
Interest on cash and cash equivalents	373	386	332
Operating leases	1,455	1,355	1,550
Total financing revenue and other interest income	13,521	14,222	13,958
Interest expense
Interest on deposits	5,302	6,388	5,819
Interest on short-term borrowings	35	66	73
Interest on long-term debt	1,068	1,017	1,001
Interest on other	3	1	4
Total interest expense	6,408	7,472	6,897
Net depreciation expense on operating lease assets	937	736	840
Net financing revenue and other interest income	6,176	6,014	6,221
Other revenue
Insurance premiums and service revenue earned	1,450	1,413	1,271
(Loss) gain on mortgage and automotive loans, net	(35)	24	16
Other (loss) gain on investments, net	(361)	72	144
Other income, net of losses	684	658	582
Total other revenue	1,738	2,167	2,013
Total net revenue	7,914	8,181	8,234
Provision for credit losses	1,477	2,166	1,968
Noninterest expense
Compensation and benefits expense	1,857	1,842	1,901
Insurance losses and loss adjustment expenses	616	544	422
Goodwill impairment	305	118	149
Other operating expenses	2,608	2,675	2,691
Total noninterest expense	5,386	5,179	5,163
Income from continuing operations before income tax expense	1,051	836	1,103
Income tax expense from continuing operations	199	167	144
Net income from continuing operations	852	669	959
Loss from discontinued operations, net of tax	—	(1)	(2)
Net income	$852	$668	$957

Statement continues on the next page.

Consolidated Statement of Income

Year ended December 31, ($ in millions, except per share data; shares in thousands) (a)	2025	2024	2023
Net income from continuing operations attributable to common shareholders	$742	$559	$849
Loss from discontinued operations, net of tax	—	(1)	(2)
Net income attributable to common shareholders	$742	$558	$847
Basic weighted-average common shares outstanding (b)	310,015	306,913	303,751
Diluted weighted-average common shares outstanding (b)	313,043	310,160	305,135
Basic earnings per common share
Net income from continuing operations	$2.39	$1.82	$2.79
Loss from discontinued operations, net of tax	—	—	(0.01)
Net income	$2.39	$1.82	$2.79
Diluted earnings per common share
Net income from continuing operations	$2.37	$1.80	$2.78
Loss from discontinued operations, net of tax	—	—	(0.01)
Net income	$2.37	$1.80	$2.77
Cash dividends declared per common share	$1.20	$1.20	$1.20

(a)Figures in the table may not recalculate exactly due to rounding. Earnings per share is calculated based on unrounded numbers.

(b)Includes shares related to share-based compensation that vested but were not yet issued.

Refer to Note 19 for additional earnings per share information. The Notes to the Consolidated Financial Statements are an integral part of these statements.

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.