Ally Financial Inc. (ALLY) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 1.9B | 1.89B | 1.96B | 1.9B | 1.56B | 1.68B | 1.65B | 1.71B | 1.69B | 1.7B | 1.66B | 1.84B | 1.9B | 1.95B | 1.76B | 1.97B | 2.17B | 2.12B | 2.07B | 2.24B |
| Gross Margin % | 48.96% | 48.01% | 49.52% | 48.99% | 45.6% | 41.67% | 39.46% | 42.37% | 41.04% | 40.57% | 41.37% | 46.57% | 49.92% | 53.73% | 58.7% | 71.83% | 79.22% | 77.26% | 79.95% | 82.79% |
| Gross Profit Growth % | 21.68% | 12.42% | 18.56% | 11.18% | -7.51% | -1.17% | -0.9% | -7.02% | -10.91% | -12.44% | -5.72% | -6.56% | -12.33% | -8.43% | -14.9% | -12.27% | 3.1% | 3.06% | 22.14% | 47.24% |
| Operating Expenses | 1.5B | 1.51B | 1.44B | 1.46B | 1.85B | 1.51B | 1.42B | 1.45B | 1.51B | 1.64B | 1.44B | 1.43B | 1.51B | 1.5B | 1.35B | 1.33B | 1.32B | 1.23B | 1.17B | 1.2B |
| OpEx % of Revenue | 38.67% | 38.21% | 36.52% | 37.75% | 53.88% | 37.34% | 33.88% | 36% | 36.6% | 39.04% | 35.7% | 36.35% | 39.72% | 41.44% | 44.83% | 48.67% | 48.26% | 44.56% | 44.99% | 44.29% |
| Selling, General & Admin | 491M | 514M | 811M | 853M | 888M | 787M | 803M | 863M | 865M | 784M | 804M | 819M | 860M | 852M | 778M | 754M | 772M | 712M | 657M | 703M |
| SG&A % of Revenue | 12.63% | 13.04% | 20.54% | 22.01% | 25.89% | 19.48% | 19.22% | 21.41% | 21% | 18.68% | 19.99% | 20.76% | 22.62% | 23.54% | 25.87% | 27.55% | 28.25% | 25.9% | 25.33% | 25.97% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 400M | 386M | 513M | 436M | -284M | 175M | 233M | 257M | 183M | 64M | 228M | 403M | 388M | 445M | 417M | 634M | 846M | 899M | 907M | 1.04B |
| Operating Margin % | 10.29% | 9.79% | 12.99% | 11.25% | -8.28% | 4.33% | 5.58% | 6.38% | 4.44% | 1.52% | 5.67% | 10.22% | 10.21% | 12.29% | 13.87% | 23.16% | 30.95% | 32.7% | 34.97% | 38.49% |
| Operating Income Growth % | 240.85% | 120.57% | 120.17% | 69.65% | -255.19% | 173.44% | 2.19% | -36.23% | -52.84% | -85.62% | -45.32% | -36.44% | -54.14% | -50.5% | -54.02% | -39.16% | -15.99% | 5.02% | 43.51% | 209.2% |
| EBITDA | 778M | 868M | 851M | 652M | 77M | 444M | 547M | 563M | 493M | 388M | 538M | 699M | 705M | 772M | 751M | 961M | 1.19B | 1.23B | 1.2B | 1.31B |
| EBITDA Margin % | 20.02% | 22.02% | 21.56% | 16.82% | 2.24% | 10.99% | 13.09% | 13.97% | 11.97% | 9.24% | 13.38% | 17.72% | 18.54% | 21.33% | 24.98% | 35.11% | 43.36% | 44.71% | 46.18% | 48.36% |
| EBITDA Growth % | 910.39% | 95.5% | 55.58% | 15.81% | -84.38% | 14.43% | 1.67% | -19.46% | -30.07% | -49.74% | -28.36% | -27.26% | -40.51% | -37.18% | -37.31% | -26.59% | -14.13% | -1.44% | 21.13% | 73.84% |
| D&A (Non-Cash Add-back) | 378M | 482M | 338M | 216M | 361M | 269M | 314M | 306M | 310M | 324M | 310M | 296M | 317M | 327M | 334M | 327M | 339M | 330M | 291M | 267M |
| EBIT | 400M | 386M | 513M | 436M | -284M | 175M | 233M | 257M | 183M | 64M | 228M | 403M | 388M | 445M | 417M | 634M | 846M | 899M | 907M | 1.04B |
| Net Interest Income | 1.86B | 1.85B | 1.81B | 1.73B | 1.72B | 1.73B | 1.69B | 1.67B | 1.66B | 1.72B | 1.75B | 1.77B | 1.83B | 1.91B | 1.96B | 1.98B | 1.91B | 1.84B | 1.73B | 1.63B |
| Interest Income | 3.37B | 3.42B | 3.39B | 3.33B | 3.39B | 3.53B | 3.57B | 3.54B | 3.58B | 3.62B | 3.6B | 3.45B | 3.29B | 3.1B | 2.76B | 2.45B | 2.31B | 2.25B | 2.18B | 2.13B |
| Interest Expense | 1.52B | 1.56B | 1.58B | 1.59B | 1.68B | 1.8B | 1.89B | 1.87B | 1.92B | 1.91B | 1.85B | 1.68B | 1.46B | 1.19B | 804M | 467M | 401M | 415M | 444M | 498M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 400M | 386M | 513M | 436M | -284M | 175M | 233M | 257M | 183M | 64M | 228M | 403M | 388M | 445M | 417M | 634M | 846M | 899M | 907M | 1.04B |
| Pretax Margin % | 10.29% | 9.79% | 12.99% | 11.25% | -8.28% | 4.33% | 5.58% | 6.38% | 4.44% | 1.52% | 5.67% | 10.22% | 10.21% | 12.29% | 13.87% | 23.16% | 30.95% | 32.7% | 34.97% | 38.49% |
| Income Tax | 81M | 59M | 115M | 84M | -59M | 66M | -124M | -37M | 40M | -13M | -68M | 74M | 68M | 167M | 117M | 152M | 191M | 241M | 195M | 143M |
| Effective Tax Rate % | 20.25% | 15.28% | 22.42% | 19.27% | 20.77% | 37.71% | -53.22% | -14.4% | 21.86% | -20.31% | -29.82% | 18.36% | 17.53% | 37.53% | 28.06% | 23.97% | 22.58% | 26.81% | 21.5% | 13.72% |
| Net Income | 319M | 327M | 398M | 352M | -225M | 108M | 357M | 294M | 143M | 76M | 296M | 329M | 319M | 278M | 299M | 482M | 655M | 652M | 712M | 900M |
| Net Margin % | 8.21% | 8.3% | 10.08% | 9.08% | -6.56% | 2.67% | 8.54% | 7.29% | 3.47% | 1.81% | 7.36% | 8.34% | 8.39% | 7.68% | 9.94% | 17.61% | 23.97% | 23.72% | 27.45% | 33.25% |
| Net Income Growth % | 241.78% | 202.78% | 11.48% | 19.73% | -257.34% | 42.11% | 20.61% | -10.64% | -55.17% | -72.66% | -1% | -31.74% | -51.3% | -57.36% | -58.01% | -46.44% | -17.71% | -5.09% | 49.58% | 273.44% |
| Net Income (Continuing) | 319M | 327M | 398M | 352M | -225M | 109M | 357M | 294M | 143M | 77M | 296M | 329M | 320M | 278M | 300M | 482M | 655M | 658M | 712M | 899M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | -1000K | 0 | 0 | 0 | -1000K | 0 | 0 | -1000K | 0 | -1000K | 0 | 0 | -1000K | 0 | 1000K |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 0.93 | 0.95 | 1.18 | 1.04 | -0.82 | 0.26 | 1.06 | 0.86 | 0.37 | 0.16 | 0.88 | 0.99 | 0.96 | 0.83 | 0.88 | 1.40 | 1.86 | 1.79 | 1.89 | 2.41 |
| EPS Growth % | 213.41% | 265.38% | 11.32% | 20.93% | -321.62% | 62.5% | 20.45% | -13.13% | -61.46% | -80.72% | 0% | -29.29% | -48.39% | -53.63% | -53.44% | -41.91% | -11.85% | -1.65% | 50% | 276.56% |
| EPS (Basic) | 0.94 | 0.97 | 1.19 | 1.05 | -0.82 | 0.26 | 1.07 | 0.87 | 0.38 | 0.16 | 0.88 | 0.99 | 0.96 | 0.83 | 0.88 | 1.41 | 1.87 | 1.80 | 1.90 | 2.43 |
| Diluted Shares Outstanding | 313.22M | 314.27M | 313.82M | 312.43M | 309.01M | 311.28M | 311.04M | 309.89M | 308.42M | 306.73M | 305.69M | 304.65M | 303.45M | 303.06M | 310.09M | 324.03M | 337.81M | 348.67M | 361.86M | 373.03M |
| Basic Shares Outstanding | 310.99M | 310.79M | 310.34M | 309.89M | 309.01M | 307.55M | 307.31M | 306.77M | 306M | 304.51M | 304.13M | 303.68M | 302.66M | 301.28M | 308.22M | 322.06M | 335.68M | 345.87M | 359.18M | 370.41M |
| Dividend Payout Ratio | 31.97% | 28.75% | 23.37% | 26.14% | - | 85.19% | 25.77% | 30.95% | 67.83% | 119.74% | 30.41% | 27.66% | 30.09% | 30.94% | 31.77% | 20.54% | 15.88% | 13.34% | 13.06% | 7.89% |