38.53
+0.94%
Close of 9 Nov 2026, in USD
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About Ally Financial
From its filings with the US Securities and Exchange Commission
Ally Financial is based in Detroit, Michigan and is incorporated in Delaware. Its shares trade on NYSE under the ticker ALLY. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported revenue of $7.91bn and net income of $852.0m. At that date it held total assets of $196.00bn and shareholders' equity of $15.50bn.
Ally is a Delaware corporation and is registered as a BHC under the BHC Act and an FHC under the GLB Act. Our primary business lines are Dealer Financial Services, which is composed of our Automotive Finance and Insurance operations, and Corporate Finance. Corporate and Other primarily consists of centralized corporate treasury activities (including deposit operations), the management of our consumer mortgage portfolio, the activity related to Ally Invest, Ally Lending, and Ally Credit Card, and reclassifications and eliminations between the reportable operating segments. We closed the sales of Ally Lending and Ally Credit Card on March 1, 2024, and April 1, 2025, respectively. Consumer mortgage originations ceased during the second quarter of 2025, which has and will continue to result in a gradual run-off of our consumer mortgage loan portfolio. Ally Bank’s assets and operating results are included within our Automotive Finance, and Corporate Finance segments, as well as Corporate and Other, based on its underlying business activities. As of December 31, 2025, Ally Bank had total assets of $184.6 billion and total nonaffiliate deposits of $151.6 billion.
Quoted from its 10-K, filed 25 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 10 Apr 2014
- Employees
- 10,300
- Website
- ally.com ↗
- Head office
- ALLY DETROIT CENTER, DETROIT, MI, 48226
- Incorporated in
- DE
- Classification
- State Commercial Banks
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Franklin HobbsIndependent Chairman of the Board$395,289
- Mr. Michael RhodesChief Executive Officer, Director, since 2024$20.9m
- Mr. Russell HutchinsonChief Financial Officer$5.2m
- Mr. Douglas TimmermanPresident of Dealer Financial Services$4.6m
- Ms. Kathleen PattersonChief Human Resources and Corporate Citizenship Officer$2.3m
- Mr. Austin McgrathChief Accounting Officer, Controller
- Ms. Stephanie RichardChief Risk Officer$2.3m
- Ms. Hope MehlmanChief Legal and Corporate Affairs Officer$6.8m
- Mr. Michelle GoldbergDirector
- Mr. William CaryIndependent Director$309,003
- Ms. Mayree ClarkIndependent Director$269,003
- Mr. Kim FennebresqueIndependent Director$319,003
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 40
- Environment
- 15
- Social
- 30
- Governance
- 75
- Direct emissions (scope 1)
- 5,402 t
- Energy emissions (scope 2)
- 9,016 t
- Value chain emissions (scope 3)
- 209,802 t
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Ally Financial Inc holds a strong position in the financial services industry, particularly in the sector of auto financing and online banking. This allows the company to benefit from economies of scale, establish strong brand recognition, and attract a substantial customer base.
- With a wide range of financial products and services, Ally Financial Inc caters to the needs of various customer segments. This diversity helps the company maintain steady revenue streams and reduces the risk associated with relying on a single offering.
- Ally Financial Inc has continually invested in technological advancements. By introducing online banking platforms and mobile applications, the company enhances customer experience, streamlines internal processes, and stays ahead of competitors in the digital era.
Weaknesses
- As a significant portion of Ally Financial Inc's revenue comes from auto financing, the company is susceptible to fluctuations in the automotive industry. Economic downturns, decreasing car sales, or adverse changes in lending regulations can negatively impact the company's financial performance.
- Ally Financial Inc heavily relies on wholesale funding, which exposes the company to risks associated with market disruptions and changes in interest rates. Any unfavorable shift in these factors can increase borrowing costs and create liquidity challenges for the organization.
- Compared to some of its peer financial institutions, Ally Financial Inc has a limited international presence. This restricts the company's expansion opportunities in global markets and leaves it susceptible to regional economic downturns or geopolitical risks.
Opportunities
- The growing popularity of online and mobile banking presents an opportunity for Ally Financial Inc to expand its customer base and market share. By investing in user-friendly digital platforms and offering innovative financial solutions, the company can capitalize on the increasing demand for convenient banking services.
- Ally Financial Inc can explore opportunities to diversify its product and service portfolio by entering new financial sectors. By leveraging its existing brand and customer trust, the company can expand into areas such as wealth management, insurance, or mortgage lending to further enhance its revenue streams.
- Forming strategic collaborations and partnerships with fintech companies or established financial institutions can provide Ally Financial Inc with access to new technologies, expertise, and customer networks. By capitalizing on these alliances, the company can foster innovation, expand its product offerings, and gain a competitive edge.
Threats
- The financial services industry is highly competitive, with numerous players offering similar products and services. Ally Financial Inc faces competition from traditional banks, online lenders, and credit unions. Intense competition can lead to pricing pressures, reduced market share, and potentially erode the company's profitability.
- The financial industry is subject to extensive regulations and compliance requirements. Changes in regulations or failure to comply can lead to penalties, reputational damage, and increased operational costs for Ally Financial Inc. Adapting to evolving regulatory frameworks and ensuring strict compliance remains a priority for the company.
- Global economic conditions, including recessions, inflation, or trade disputes, pose a threat to Ally Financial Inc's financial performance. These external factors can impact consumer spending, loan demand, and credit quality, thereby affecting the company's revenue and profitability.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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