The firm maintains a debt-to-equity ratio that has fluctuated between 1.25 and 1.53 over the last ten quarters, reflecting a persistent reliance on external funding.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 |
|---|
| Cash & Short Term Investments | 97.11B | 10.03B | 29.3B | 26.66B | 31.21B | 38.45B | 45.31B | 31.94B | 20.64B | 18.75B | 20.16B | 21.28B | 5.88B | 5.93B | 7.96B | 14.49B | 13.08B | 40.7B | 25.75B | 21.03B | 18.08B | 18.33B | 22.72B | 17.98B | 8.1B | 0 | 0 | 0 |
| Cash & Due from Banks | 9.52B | 10.03B | 10.29B | 6.95B | 5.57B | 5.06B | 15.62B | 3.56B | 4.54B | 4.25B | 6.12B | 6.63B | 5.88B | 5.93B | 7.96B | 13.87B | 12.84B | 16.38B | 18.31B | 21.03B | 18.08B | 18.33B | 22.72B | 17.98B | 8.1B | 0 | 0 | 0 |
| Short Term Investments | 19.54B | 0 | 19.01B | 19.71B | 25.64B | 33.38B | 29.68B | 28.38B | 16.1B | 14.5B | 14.04B | 14.65B | 0 | 0 | 0 | 622M | 240M | 24.31B | 7.44B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 165.1B | 28.22B | 163.97B | 170.42B | 166.83B | 161.32B | 153.3B | 160.53B | 150.64B | 141.22B | 134.88B | 127.01B | 119.26B | 118.66B | 150.59B | 146.48B | 134.64B | 121.65B | 123.11B | 171.35B | 221.94B | 247.11B | 37.84B | 0 | 0 | 469M | 0 | 0 |
| Investments Growth % | -90.1% | -82.79% | -3.79% | 2.15% | 3.42% | 5.24% | -4.5% | 6.56% | 6.67% | 4.7% | 6.2% | 6.5% | 0.5% | -21.2% | 2.81% | 8.79% | 10.68% | -1.19% | -28.15% | -22.8% | -10.18% | 552.98% | - | - | -100% | - | - | - |
| Long-Term Investments | 454.7B | 28.22B | 144.96B | 150.71B | 141.19B | 127.94B | 123.61B | 132.14B | 134.54B | 126.72B | 120.84B | 112.36B | 119.26B | 118.66B | 150.59B | 145.85B | 134.4B | 97.33B | 115.67B | 171.35B | 221.94B | 247.11B | 37.84B | 0 | 0 | 469M | 0 | 0 |
| Accounts Receivables | 930M | 133.96B | 929M | 935M | 786M | 600M | 704M | 589M | 599M | 550M | 476M | 402M | 0 | 0 | 147M | 232M | 238M | 326M | 591M | 881M | 1.31B | 1.16B | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 190M | 0 | 605M | 742M | 920M | 951M | 393M | 462M | 299M | 240M | 240M | 27M | 0 | 0 | 952M | 3.04B | 4.26B | 4.08B | 4.21B | 6.29B | 6.82B | 6.49B | 3.94B | 3.72B | 2.75B | 4.9B | 7.17B | 6.32B |
| Goodwill | 190M | 0 | 551M | 669M | 822M | 822M | 343M | 393M | 240M | 240M | 240M | 27M | 0 | 0 | 0 | 518M | 525M | 526M | 1.36B | 1.5B | 1.83B | 2.45B | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 54M | 73M | 98M | 129M | 50M | 69M | 59M | 0 | 0 | 0 | 0 | 0 | 952M | 2.52B | 3.74B | 3.55B | 2.85B | 4.8B | 4.99B | 4.05B | 3.94B | 3.72B | 2.75B | 4.9B | 7.17B | 6.32B |
| PP&E (Net) | 9.93B | 8.77B | 9.34B | 10.46B | 11.83B | 12.19B | 10.53B | 9.68B | 9.14B | 9.2B | 11.85B | 16.51B | 19.73B | 17.91B | 13.83B | 9.64B | 9.5B | 16.33B | 26.82B | 32.91B | 24.76B | 32.97B | 28.43B | 0 | 26.03B | 26.75B | 30.56B | 30.74B |
| Other Assets | 7.52B | 11.62B | 4.48B | 5.39B | 4.63B | 1.6B | 810M | 5.11B | 12.61B | 10.6B | 8.63B | 6.1B | 4.33B | 6.04B | 7.07B | 6.74B | 7.11B | 10.04B | 11.59B | 12.52B | 11.68B | 8.66B | -39.99B | 0 | -3.67B | -4.35B | -3.57B | -3.5B |
| Total Current Assets | 31.7B | 147.39B | 30.54B | 27.78B | 32.16B | 39.17B | 46.73B | 33.2B | 21.97B | 19.93B | 21.18B | 22.23B | 6.5B | 6.51B | 8.72B | 18.55B | 16.73B | 44.52B | 31.2B | 25.87B | 22.24B | 25.33B | 291.76B | 17.98B | 198.94B | 161.07B | 130.74B | 111.73B |
| Total Non-Current Assets | 165.57B | 48.62B | 161.29B | 168.54B | 159.66B | 142.94B | 135.44B | 147.45B | 156.9B | 147.22B | 142.55B | 136.36B | 145.13B | 144.66B | 173.63B | 165.51B | 155.28B | 127.78B | 158.28B | 223.07B | 265.2B | 295.23B | 32.38B | 7.37B | 28.79B | 31.65B | 37.74B | 37.06B |
| Total Assets | 197.27B | 196B | 191.84B | 196.33B | 191.83B | 182.11B | 182.16B | 180.64B | 178.87B | 167.15B | 163.73B | 158.58B | 151.63B | 151.17B | 182.35B | 184.06B | 172.01B | 172.31B | 189.48B | 248.94B | 287.44B | 320.56B | 324.14B | 288.16B | 227.73B | 192.72B | 168.47B | 148.79B |
| Asset Growth % | 1.96% | 2.17% | -2.29% | 2.35% | 5.33% | -0.03% | 0.84% | 0.99% | 7.01% | 2.09% | 3.25% | 4.58% | 0.31% | -17.1% | -0.93% | 7.01% | -0.17% | -9.06% | -23.89% | -13.39% | -10.33% | -1.11% | 12.48% | 26.54% | 18.16% | 14.39% | 13.23% | - |
| Return on Assets (ROA) | 0.72% | 0.44% | 0.34% | 0.49% | 0.92% | 1.68% | 0.6% | 0.95% | 0.73% | 0.56% | 0.66% | 0.83% | 0.76% | 0.22% | 0.65% | -0.09% | 0.62% | -5.69% | 0.85% | -0.87% | 0.7% | 0.71% | 0.95% | 1.08% | 0.89% | 0.99% | 1.01% | 1.03% |
| Accounts Payable | 1.4B | 151.65B | 1.4B | 1.37B | 843M | 794M | 1.01B | 1.18B | 1.04B | 1.12B | 1B | 741M | 775M | 1.3B | 1.5B | 2.77B | 3.1B | 2.91B | 4.1B | 4.22B | 4.44B | 5.23B | 3.39B | 3.12B | 7.98B | 2.38B | 1.77B | 1.55B |
| Total Debt | 21.6B | 21.77B | 19.23B | 20.98B | 20.3B | 17.2B | 24.33B | 39.75B | 54.37B | 55.64B | 66.8B | 74.33B | 73.44B | 78.01B | 82.02B | 100.33B | 94B | 105.02B | 127.11B | 193.15B | 236.99B | 254.7B | 268.96B | 238.86B | 183.23B | 152.03B | 133.59B | 121.36B |
| Net Debt | 12.08B | 11.73B | 8.94B | 14.04B | 14.73B | 12.14B | 8.71B | 36.2B | 49.83B | 51.39B | 60.68B | 67.7B | 67.56B | 72.08B | 74.07B | 86.46B | 81.16B | 88.64B | 108.8B | 172.12B | 218.9B | 236.37B | 246.24B | 220.89B | 175.13B | 152.03B | 133.59B | 121.36B |
| Long-Term Debt | 17.35B | 17.07B | 17.5B | 17.57B | 17.76B | 17.03B | 22.01B | 34.03B | 44.19B | 44.23B | 54.13B | 66.23B | 66.38B | 69.47B | 74.56B | 92.65B | 86.49B | 87.35B | 116.72B | 159.34B | 193.39B | 213.19B | 176.64B | 238.86B | 117.79B | 93.81B | 57.85B | 55.32B |
| Short-Term Debt | 4.13B | 4.7B | 1.63B | 3.3B | 2.4B | 0 | 2.14B | 5.53B | 9.99B | 11.41B | 12.67B | 8.1B | 7.06B | 8.54B | 7.46B | 7.68B | 7.51B | 17.67B | 10.39B | 33.81B | 43.6B | 41.51B | 92.32B | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 5.38B | 0 | 5.61B | 5.51B | 5.36B | 5.32B | 4.89B | 4.44B | 3.97B | 3.61B | 3.53B | 3.48B | 3.66B | 4.17B | 30.16B | 16.35B | 14.38B | 11.38B | 15.44B | 18.29B | 17.16B | 21.32B | 120.36B | 24.84B | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 158.67B | 163.43B | 154.59B | 159.33B | 155.54B | 142.35B | 140.19B | 127.46B | 117.2B | 105.79B | 92.69B | 75.32B | 66.04B | 63.2B | 57.62B | 55.58B | 50.57B | 52.34B | 34.3B | 53.31B | 59.89B | 54.94B | 4.73B | 106.47B | 92.1B | 82.78B | 96.58B | 82.34B |
| Total Non-Current Liabilities | 22.99B | 17.07B | 23.34B | 23.3B | 23.43B | 22.71B | 27.28B | 38.77B | 48.4B | 47.86B | 57.72B | 69.82B | 70.19B | 73.76B | 104.83B | 109.2B | 100.95B | 99.13B | 133.33B | 180.06B | 213.18B | 243.93B | 297B | 263.7B | 117.79B | 93.81B | 57.85B | 55.32B |
| Total Liabilities | 181.66B | 180.5B | 177.93B | 182.63B | 178.97B | 165.06B | 167.46B | 166.23B | 165.6B | 153.65B | 150.41B | 145.14B | 136.23B | 136.96B | 162.45B | 164.78B | 151.52B | 151.47B | 167.62B | 233.37B | 273.07B | 298.87B | 301.72B | 267.93B | 209.9B | 176.59B | 154.43B | 137.67B |
| Total Equity | 15.61B | 15.5B | 13.9B | 13.7B | 12.86B | 17.05B | 14.7B | 14.42B | 13.27B | 13.49B | 13.32B | 13.44B | 15.4B | 14.21B | 19.9B | 19.28B | 20.49B | 20.84B | 21.85B | 15.56B | 14.37B | 21.68B | 22.42B | 20.24B | 17.83B | 16.13B | 14.04B | 11.12B |
| Equity Growth % | 28.83% | 11.47% | 1.46% | 6.56% | -24.58% | 15.96% | 1.99% | 8.65% | -1.67% | 1.33% | -0.91% | -12.73% | 8.38% | -28.6% | 3.21% | -5.9% | -1.68% | -4.64% | 40.4% | 8.32% | -33.74% | -3.27% | 10.78% | 13.49% | 10.52% | 14.91% | 26.23% | - |
| Equity / Assets (Capital Ratio) | 7.91% | 7.91% | 7.25% | 6.98% | 6.7% | 9.36% | 8.07% | 7.98% | 7.42% | 8.07% | 8.13% | 8.47% | 10.16% | 9.4% | 10.91% | 10.47% | 11.91% | 12.09% | 11.53% | 6.25% | 5% | 6.76% | 6.92% | 7.02% | 7.83% | 8.37% | 8.33% | 7.48% |
| Return on Equity (ROE) | 9.19% | 5.8% | 4.84% | 7.21% | 11.46% | 19.27% | 7.45% | 12.39% | 9.44% | 6.93% | 7.98% | 8.94% | 7.77% | 2.12% | 6.11% | -0.79% | 5.2% | -48.24% | 9.98% | -15.58% | 11.79% | 10.35% | 13.57% | 14.67% | 11.01% | 11.84% | 12.73% | 13.73% |
| Book Value per Share | 49.83 | 49.31 | 44.83 | 44.91 | 40.36 | 46.69 | 38.99 | 36.46 | 31.02 | 29.63 | 27.62 | 27.83 | 31.88 | 29.61 | 48.23 | 40.19 | 82.56 | 84.12 | 88.22 | 62.83 | 58.00 | 87.54 | 90.49 | 81.69 | 108.65 | 98.31 | 85.56 | 67.78 |
| Tangible BV per Share | 49.23 | 49.31 | 42.87 | 42.48 | 37.47 | 44.09 | 37.95 | 35.29 | 30.32 | 29.11 | 27.12 | 27.78 | 31.88 | 29.61 | 45.92 | 33.86 | 65.38 | 67.65 | 71.24 | 37.43 | 30.49 | 61.33 | 74.57 | 66.67 | 91.88 | 68.44 | 41.85 | 29.27 |
| Common Stock | 22.35B | 22.27B | 22.14B | 21.98B | 21.82B | 21.67B | 21.54B | 21.44B | 21.34B | 21.25B | 21.17B | 21.1B | 21.04B | 20.94B | 19.67B | 19.67B | 19.67B | 13.83B | 9.67B | 0 | 0 | 5.76B | 5.76B | 5.64B | 5.64B | 5.64B | 5.13B | 2.2B |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 827M | 633M | 270M | 91M | -384M | -1.6B | -4.28B | -4.06B | -5.49B | -6.41B | -7.15B | -8.11B | -6.83B | -7.71B | -7.02B | -7.42B | -6.41B | -5.63B | 6.29B | 4.65B | 7.17B | 15.1B | 15.49B | 14.08B | 12.29B | 10.81B | 9.03B | 8.8B |
| Accumulated OCI | -2.77B | -2.79B | -3.92B | -3.82B | -4.06B | -158M | 631M | 123M | -539M | -235M | -341M | -231M | -66M | -276M | 311M | 87M | 259M | 460M | -389M | 952M | 485M | 830M | 2.33B | 1.03B | -95M | -644M | -116M | 119M |
| Treasury Stock | -7.12B | -6.95B | -6.91B | -6.87B | -6.84B | -5.19B | -3.19B | -3.09B | -2.05B | -1.11B | -357M | -16M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 2.32B | 2.32B | 2.32B | 2.32B | 2.32B | 2.32B | 0 | 0 | 0 | 0 | 0 | 696M | 1.25B | 1.25B | 6.94B | 6.94B | 6.97B | 12.18B | 6.29B | 1.05B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Used vehicle price volatility
According to reported financial data, Ally's total assets have remained relatively stagnant, hovering near $197 billion as of 2026Q1, while equity growth has struggled to keep pace with the inherent volatility of the firm's credit-sensitive loan portfolio and shifting macroeconomic conditions impacting the broader automotive finance sector.
The lack of meaningful asset expansion suggests a cautious management approach to new originations in a high-rate environment. Investors should monitor whether this stagnation reflects a defensive posture or a structural inability to grow the balance sheet without compromising credit quality.
Based on the company's reported figures, the debt-to-equity ratio has fluctuated between 1.25 and 1.53 over the last ten quarters, indicating that Ally maintains a consistent reliance on external financing to support its core automotive lending operations despite the inherent risks of a rising interest rate cycle.
While the headline D/E ratio appears manageable, it likely masks the underlying sensitivity to deposit costs and wholesale funding requirements. The firm's leverage profile warrants further investigation into how refinancing needs might impact net interest margins if credit spreads widen significantly.
As reported in recent financial statements, Ally's cash position has shown extreme variance, dropping from $29.1 billion in 2026Q1 to a low of $10.0 billion in 2025Q4, which suggests that the firm's liquidity management is highly reactive to short-term operational needs and deposit outflows.
The current ratio of 0.20 highlights a structural reliance on the rapid turnover of the loan book to meet short-term obligations. This low liquidity buffer may leave the company vulnerable to sudden shocks in the credit markets or unexpected spikes in consumer default rates.
Based on the provided quarterly data, retained earnings have exhibited significant instability, including a negative balance of $78 million in 2025Q1, which underscores the impact of credit loss provisions and operational volatility on the firm's core capital base over the observed ten-quarter period.
The inconsistency in building retained earnings suggests that capital accumulation is frequently interrupted by cyclical credit losses. This trend may limit the company's ability to absorb future shocks without impacting its overall capital adequacy ratios.
As indicated by the periodic fluctuations in net PPE and goodwill, Ally's balance sheet may be susceptible to impairments, particularly given the $551 million reduction in goodwill observed between 2024Q4 and 2025Q4, which suggests potential volatility in the valuation of acquired intangible assets.
The sensitivity of these assets to the broader automotive market cycle implies that headline equity figures could be overstated if residual values or intangible assets require further write-downs. Investors should remain cautious regarding the potential for future non-cash charges to impact the firm's capital position.
Quick answers to the most common questions about buying ALLY stock.
As of 2025, Ally Financial Inc. (ALLY) had total assets of $196.00B including $147.39B in current assets.
Ally Financial Inc. (ALLY) carries total debt of $21.77B. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Ally Financial Inc. (ALLY) has total shareholders' equity (book value) of $15.50B ($49.31 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Ally Financial Inc. (ALLY) reported a current ratio of 0.90x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.