ALLY on NYSE

Ally Financial

Logo: Toomuchcash at en.wikipedia, Public domain, via Wikimedia Commons⁵

American financial services company

Ally Financial Inc. (known as GMAC until 2010) is an American bank holding company incorporated in Delaware and headquartered at Ally Detroit Center in Detroit, Michigan. The company provides financial services including car finance, online banking via a direct bank, corporate lending, vehicle insurance, mortgage loans, and other related financing services such as installment sale and lease agreements. Ally is one of the largest car finance companies in the US.³ Its revenue was $8.4 billion in 2022.¹ Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

2005Founded¹

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TickerALLY on NYSE¹
IndustryConsumer Lending, financial services¹
HeadquartersNew York City¹
Websitewww.ally.com
Legal formjoint-stock company¹
Incorporated inDE⁶
Business addressAlly Detroit Center, 500 Woodward Ave. Floor 10, Detroit, Mi 48226⁶
Filer categoryLarge accelerated filer⁶
LEI549300JBN1OSM8YNAI90⁴
StatusActive⁴
LEI statusIssued and current⁴
Registered addressC/O THE CORPORATION TRUST COMPANY, 19801 Wilmington, United States⁴
Registered withDivision of Corporations, Department of State, 2720811⁴

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

68.5%Net margin¹¹

3.8%Revenue growth, 2025¹¹

5.5%Return on equity¹¹

0.93×Debt to equity¹¹

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Noninsurance Contracts brought in 78% of the revenue Ally Financial broke down this way in fiscal 2025.

Noninsurance Contracts$966.0M¹¹78%up 6% from 2024
Remarketing Activities$116.0M¹¹9%up 4% from 2024
Brokerage Commissions and Other$82.0M¹¹7%down 7% from 2024
Banking Fees And Interchange Income$39.0M¹¹3%down 17% from 2024
Product and Service, Other$27.0M¹¹2%up 23% from 2024
Brokered/Agent Commissions$14.0M¹¹1%down 30% from 2024

Products and services by year

Products and services	2023	2024	2025
Noninsurance Contracts	$686.0M	$909.0M	$966.0M
Remarketing Activities	$117.0M	$112.0M	$116.0M
Brokerage Commissions and Other	$89.0M	$88.0M	$82.0M
Banking Fees And Interchange Income	$44.0M	$47.0M	$39.0M
Product and Service, Other	$19.0M	$22.0M	$27.0M
Brokered/Agent Commissions	$13.0M	$20.0M	$14.0M

Business segments

Insurance Operations brought in 88% of the revenue Ally Financial broke down this way in fiscal 2025.

Insurance Operations$982.0M¹¹88%up 5% from 2024
Automotive Finance Operations$138.0M¹¹12%up 5% from 2024

Business segments by year

Business segments	2023	2024	2025
Insurance Operations	$700.0M	$932.0M	$982.0M
Automotive Finance Operations	$135.0M	$131.0M	$138.0M

Where the money goes

Where each dollar of revenue went, fiscal 2025

Other costsIncome taxProfit

Other costs16¢$193.0M
Income tax16¢$199.0M
Profit68¢$852.0M

Out of $1.2B in revenue.¹¹

Where each dollar of operating cash went, fiscal 2025

Kept or used elsewhere

Dividends paid10¢$379.0M
Share buybacks2¢$59.0M
Kept or used elsewhere88¢$3.3B

Out of $3.7B of cash from operations.¹¹

Financial statements

Revenue¹²¹³¹⁴¹⁵¹¹$1.2B in 2025+71% since 2019

Net income¹²¹³¹⁴¹⁵¹¹$852.0M in 2025−50% since 2019

Every line of the income statement as filed: the last 3 fiscal years, latest first.¹¹

Period ending	2025-12-31	2024-12-31	2023-12-31
Interest and fees on finance receivables and loans	$10.7B	$11.4B	$11.0B
Interest on loans held-for-sale	$24.0M	$50.0M	$34.0M
Interest and dividends on investment securities and other earning assets	$972.0M	$1.0B	$1.0B
Interest on cash and cash equivalents	$373.0M	$386.0M	$332.0M
Operating leases	$1.5B	$1.4B	$1.6B
Total financing revenue and other interest income	$13.5B	$14.2B	$14.0B
Interest on deposits	$5.3B	$6.4B	$5.8B
Interest on short-term borrowings	$35.0M	$66.0M	$73.0M
Interest on long-term debt	$1.1B	$1.0B	$1.0B
Interest on other	$3.0M	$1.0M	$4.0M
Total interest expense	$6.4B	$7.5B	$6.9B
Net depreciation expense on operating lease assets	$937.0M	$736.0M	$840.0M
Net financing revenue and other interest income	$6.2B	$6.0B	$6.2B
Insurance premiums and service revenue earned	$1.4B	$1.4B	$1.3B
(Loss) gain on mortgage and automotive loans, net	-$35.0M	$24.0M	$16.0M
Other (loss) gain on investments, net	-$361.0M	$72.0M	$144.0M
Other income, net of losses	$684.0M	$658.0M	$582.0M
Total other revenue	$1.7B	$2.2B	$2.0B
Total net revenue	$7.9B	$8.2B	$8.2B
Provision for credit losses	$1.5B	$2.2B	$2.0B
Compensation and benefits expense	$1.9B	$1.8B	$1.9B
Insurance losses and loss adjustment expenses	$616.0M	$544.0M	$422.0M
Goodwill impairment	$305.0M	$118.0M	$149.0M
Other operating expenses	$2.6B	$2.7B	$2.7B
Total noninterest expense	$5.4B	$5.2B	$5.2B
Income from continuing operations before income tax expense	$1.1B	$836.0M	$1.1B
Total income tax expense from continuing operations	$199.0M	$167.0M	$144.0M
Net income from continuing operations	$852.0M	$669.0M	$959.0M
Loss from discontinued operations, net of tax	$0	-$1.0M	-$2.0M
Net income	$852.0M	$668.0M	$957.0M
Net income from continuing operations attributable to common shareholders	$742.0M	$559.0M	$849.0M
Loss from discontinued operations, net of tax	$0	-$1.0M	-$2.0M
Net income attributable to common shareholders	$742.0M	$558.0M	$847.0M
Basic weighted-average common shares outstanding (in shares)	310.0M shares	306.9M shares	303.8M shares
Diluted weighted-average common shares outstanding (in shares)	313.0M shares	310.2M shares	305.1M shares
Net income from continuing operations (in dollars per share)	$2	$2	$3
Loss from discontinued operations, net of tax (in dollars per share)	$0	$0	-$0
Net income (in dollars per share)	$2.39	$1.82	$2.79
Net income from continuing operations (in dollars per share)	$2	$2	$3
Loss from discontinued operations, net of tax (in dollars per share)	$0	$0	-$0
Net income (in dollars per share)	$2.37	$1.80	$2.77
Cash dividends declared per common share (in dollars per share)	$1.20	$1.20	$1.20

Total assets¹²¹³¹⁴¹⁵¹¹$196.0B in 2025+9% since 2019

Total liabilities¹⁸¹²¹³¹⁴¹⁵¹¹$180.5B in 2025+9% since 2019

Shareholders’ equity¹³¹⁴¹⁵¹¹$15.5B in 2025+8% since 2019

Cash¹⁸¹²¹³¹⁴¹⁵¹¹$10.0B in 2025+182% since 2019

Long-term debt¹⁸¹²¹³¹⁴¹⁵¹¹$14.4B in 2025−42% since 2019

Every line of the balance sheet as filed: the last 5 fiscal years (annual) or 11 quarters (quarterly), latest first.¹¹

Period ending	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31
Noninterest-bearing	$405.0M				$522.0M
Interest-bearing	$9.6B				$9.8B
Total cash and cash equivalents	$10.0B				$10.3B
Equity securities	$876.0M				$871.0M
Available-for-sale securities (amortized cost basis of $25,825 and $26,810)	$23.0B				$22.4B
Held-to-maturity securities (fair value of $4,451 and $4,293)	$4.4B				$4.3B
Loans held-for-sale, net	$549.0M				$160.0M
Finance receivables and loans, net of unearned income	$137.5B				$136.0B
Allowance for loan losses	-$3.5B				-$3.7B
Total finance receivables and loans, net	$134.0B				$132.3B
Investment in operating leases, net	$8.8B				$8.0B
Premiums receivable and other insurance assets	$2.8B				$2.8B
Other assets	$11.6B				$10.7B
Total assets	$196.0B				$191.8B
Noninterest-bearing	$125.0M				$131.0M
Interest-bearing	$151.5B				$151.4B
Total deposit liabilities	$151.6B				$151.6B
Short-term borrowings	$4.7B				$1.6B
Long-term debt	$17.1B				$17.5B
Interest payable	$729.0M				$890.0M
Unearned insurance premiums and service revenue	$3.7B				$3.5B
Accrued expenses and other liabilities	$2.7B				$2.8B
Total liabilities	$180.5B				$177.9B
Common stock and paid-in capital ($0.01 par value, shares authorized 1,100,000,000; issued 520,355,804 and 515,777,584; and outstanding 308,492,929 and 305,387,550)	$22.3B				$22.1B
Preferred stock	$2.3B				$2.3B
Retained earnings	$633.0M				$270.0M
Accumulated other comprehensive loss	-$2.8B				-$3.9B
Treasury stock, at cost (211,862,875 and 210,390,034 shares)	-$7.0B				-$6.9B
Total equity	$15.5B				$13.9B
Total liabilities and equity	$196.0B				$191.8B
Available-for-sale securities, amortized cost	$25.8B				$26.8B
Held-to-maturity securities, fair value	$4.5B				$4.3B
Common stock, par value per share (in dollars per share)	$0.01				$0.01
Common stock, shares authorized (in shares)	1.1B shares				1.1B shares
Common stock, shares issued (in shares)	520.4M shares				515.8M shares
Common stock, shares outstanding (in shares)	308.5M shares	307.8M shares	307.8M shares	307.2M shares	305.4M shares
Treasury stock, common, shares (in shares)	211.9M shares				210.4M shares

Period ending	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2022-12-31	2016-06-30
Noninterest-bearing	$405.0M				$522.0M
Interest-bearing	$9.6B				$9.8B
Total cash and cash equivalents	$10.0B				$10.3B
Equity securities	$876.0M				$871.0M
Available-for-sale securities (amortized cost basis of $25,825 and $26,810)	$23.0B				$22.4B
Held-to-maturity securities (fair value of $4,451 and $4,293)	$4.4B				$4.3B
Loans held-for-sale, net	$549.0M				$160.0M
Finance receivables and loans, net of unearned income	$137.5B				$136.0B
Allowance for loan losses	-$3.5B				-$3.7B				-$3.6B
Total finance receivables and loans, net	$134.0B				$132.3B
Investment in operating leases, net	$8.8B				$8.0B
Premiums receivable and other insurance assets	$2.8B				$2.8B
Other assets	$11.6B				$10.7B
Total assets	$196.0B				$191.8B				$196.3B
Noninterest-bearing	$125.0M				$131.0M
Interest-bearing	$151.5B				$151.4B
Total deposit liabilities	$151.6B				$151.6B
Short-term borrowings	$4.7B				$1.6B
Long-term debt	$17.1B				$17.5B
Interest payable	$729.0M				$890.0M
Unearned insurance premiums and service revenue	$3.7B				$3.5B
Accrued expenses and other liabilities	$2.7B				$2.8B
Total liabilities	$180.5B				$177.9B
Common stock and paid-in capital ($0.01 par value, shares authorized 1,100,000,000; issued 520,355,804 and 515,777,584; and outstanding 308,492,929 and 305,387,550)	$22.3B				$22.1B
Preferred stock	$2.3B				$2.3B
Retained earnings	$633.0M				$270.0M
Accumulated other comprehensive loss	-$2.8B				-$3.9B
Treasury stock, at cost (211,862,875 and 210,390,034 shares)	-$7.0B				-$6.9B
Total equity	$15.5B				$13.9B				$13.7B	$12.9B
Total liabilities and equity	$196.0B				$191.8B
Available-for-sale securities, amortized cost	$25.8B				$26.8B
Held-to-maturity securities, fair value	$4.5B				$4.3B
Common stock, par value per share (in dollars per share)	$0.01				$0.01
Common stock, shares authorized (in shares)	1.1B shares				1.1B shares
Common stock, shares issued (in shares)	520.4M shares				515.8M shares				511.9M shares	507.7M shares
Common stock, shares outstanding (in shares)	308.5M shares	307.8M shares	307.8M shares	307.2M shares	305.4M shares	304.7M shares	304.7M shares	304.0M shares	302.5M shares		484.0M shares
Treasury stock, common, shares (in shares)	211.9M shares				210.4M shares				209.4M shares	208.4M shares

Cash from operations¹²¹³¹⁴¹⁵¹¹$3.7B in 2025−8% since 2019

Dividends paid¹⁸¹⁴¹⁵¹¹$379.0M in 2025+39% since 2019

Share buybacks¹²¹³¹⁴¹⁵¹¹$59.0M in 2025−94% since 2019

Every line of the cash flow as filed: the last 3 fiscal years, latest first.¹¹

Period ending	2025-12-31	2024-12-31	2023-12-31
Net income	$852.0M	$668.0M	$957.0M
Depreciation and amortization	$1.4B	$1.2B	$1.2B
Goodwill impairment	$305.0M	$118.0M	$149.0M
Provision for credit losses	$1.5B	$2.2B	$2.0B
Loss (gain) on mortgage and automotive loans, net	$35.0M	-$24.0M	-$16.0M
Other loss (gain) on investments, net	$361.0M	-$72.0M	-$144.0M
Originations and purchases of loans held-for-sale	-$1.9B	-$2.2B	-$2.4B
Proceeds from sales and repayments of loans held-for-sale	$2.0B	$2.6B	$2.8B
Deferred income taxes	-$534.0M	-$436.0M	-$81.0M
Interest payable	-$161.0M	$32.0M	$450.0M
Other assets	-$308.0M	$73.0M	-$417.0M
Other liabilities	-$33.0M	$127.0M	-$91.0M
Other, net	$237.0M	$264.0M	$150.0M
Net cash provided by operating activities	$3.7B	$4.5B	$4.6B
Purchases of equity securities	-$753.0M	-$884.0M	-$339.0M
Proceeds from sales of equity securities	$877.0M	$915.0M	$356.0M
Purchases of available-for-sale securities	-$5.6B	-$717.0M	-$518.0M
Proceeds from sales of available-for-sale securities	$4.3B	$168.0M	$337.0M
Proceeds from repayments of available-for-sale securities	$1.9B	$2.1B	$2.1B
Purchases of held-to-maturity securities	-$460.0M	$0	$0
Proceeds from repayments of held-to-maturity securities	$518.0M	$476.0M	$123.0M
Purchases of finance receivables and loans held-for-investment	-$5.2B	-$3.6B	-$4.2B
Proceeds from sales of finance receivables and loans initially held-for-investment	$59.0M	$1.4B	$258.0M
Originations and repayments of finance receivables and loans initially held-for-investment and other, net	-$771.0M	$3.3B	-$5.0B
Purchases of operating lease assets	-$4.3B	-$3.5B	-$2.8B
Disposals of operating lease assets	$2.6B	$3.8B	$3.2B
Proceeds from sale of operation or business unit, net	$2.4B	$2.0B	$0
Net change in nonmarketable equity investments	-$132.0M	$84.0M	-$73.0M
Other, net	-$600.0M	-$608.0M	-$579.0M
Net cash (used in) provided by investing activities	-$5.3B	$5.0B	-$7.2B
Net change in short-term borrowings	$3.1B	-$1.7B	$898.0M
Net (decrease) increase in deposits	-$58.0M	-$3.2B	$2.3B
Proceeds from issuance of long-term debt	$4.7B	$4.3B	$5.7B
Repayments of long-term debt	-$5.2B	-$4.5B	-$4.6B
Repurchases of common stock	-$59.0M	-$38.0M	-$33.0M
Common stock dividends paid	-$379.0M	-$372.0M	-$368.0M
Preferred stock dividends paid	-$110.0M	-$110.0M	-$110.0M
Net cash provided by (used in) financing activities	$2.0B	-$5.6B	$3.8B
Effect of exchange-rate changes on cash and cash equivalents and restricted cash	$8.0M	-$12.0M	$3.0M
Net increase in cash and cash equivalents and restricted cash	$429.0M	$3.9B	$1.2B
Interest	$6.5B	$7.4B	$6.4B
Income taxes	$359.0M	$135.0M	-$27.0M
Held-to-maturity securities received in consideration for loans sold	$0	$56.0M	$82.0M
Available-for-sale securities transferred to held-to-maturity securities	$0	$0	$3.6B
Loans held-for-sale transferred to finance receivables and loans held-for-investment	$19.0M	$34.0M	$208.0M
Deconsolidation of debt related to loans sold	$0	$0	$1.4B
Finance receivables and loans held-for-investment transferred to loans held-for-sale	$2.8B	$1.7B	$3.7B
Transfer of nonmarketable equity investments to equity securities	$0	$0	$19.0M

Compare Ally Financial with another company

Corporate structure

Ally Financial sits at the top of its group. 26 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Ally Financial

VANGUARD GROUP INC Filed SCHEDULE 13G/A on Ally Financial, latest Mar 26, 2026 (4 filings since Feb 9, 2022)
BlackRock Filed SCHEDULE 13G/A on Ally Financial, latest Jul 17, 2025 (4 filings since Feb 1, 2022)
Berkshire Hathaway Filed SC 13G/A on Ally Financial, latest Feb 14, 2024 (2 filings since Feb 14, 2023)
HARRIS ASSOCIATES L P Filed SC 13G/A on Ally Financial, latest Feb 14, 2024 (3 filings since Feb 11, 2022)

Ally Financial Detroit, Michigan, United States
- Ally Bank Sandy, Utah, United States
  - ALLY ABBNS TRANSFEROR LLC Subsidiary · Detroit, Michigan, United States
  - ALLY ASSETS HOLDING LLC Subsidiary · Detroit, Michigan, United States
    - ALLY SUBORDINATE HOLDINGS LLC Subsidiary · Detroit, Michigan, United States
- ALLY ABARC BORROWER LLC Subsidiary · Detroit, Michigan, United States
- ALLY ABBOA BORROWER LLC Subsidiary · Detroit, Michigan, United States
- ALLY ABUSB ISSUER LLC Subsidiary · Detroit, Michigan, United States
- ALLY AFBNS TRANSFEROR LLC Subsidiary · Detroit, Michigan, United States
  - ALLY ABBNS ISSUER LLC Subsidiary · Detroit, Michigan, United States
  - ALLY AFBNS ISSUER LLC Subsidiary · Detroit, Michigan, United States
- ALLY AFBOA ISSUER LLC Subsidiary · Detroit, Michigan, United States
- ALLY AFDB ISSUER LLC Subsidiary · Detroit, Michigan, United States
- ALLY AFRBC ISSUER II LLC Subsidiary · Detroit, Michigan, United States
- ALLY AFRBC ISSUER III LLC Subsidiary · New York, New York, United States
- ALLY AFRBC ISSUER LLC Subsidiary · Detroit, Michigan, United States
- ALLY AFUSB ISSUER LLC Subsidiary · Detroit, Michigan, United States
- Ally Charitable Foundation Subsidiary · Charlotte, North Carolina, United States
- ALLY FUNDING TRANSFEROR EXCLUSIVE RECEIVABLES II LLC Subsidiary · Detroit, Michigan, United States
- ALLY FUNDING TRANSFEROR EXCLUSIVE RECEIVABLES LLC Subsidiary · Detroit, Michigan, United States
- ALLY INSURANCE HOLDINGS INC. Subsidiary · Detroit, Michigan, United States
  - MOTORS INSURANCE CORPORATION Subsidiary · Detroit, Michigan, United States
    - CIM Insurance Corporation Subsidiary · Detroit, Michigan, United States
- ALLY INVESTMENT MANAGEMENT LLC Subsidiary · Detroit, Michigan, United States
- IB Finance Holding Company, LLC Subsidiary · Delaware, United States
- VARIABLE ASSET RECEIVABLES TRANSFEROR LLC Subsidiary · Wilmington, Delaware, United States
- Ally Auto Owned · United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; subsidiaries, stakes and holdings from Wikidata (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Ally Financial reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

Item	Latest	A year before	Change
Property and equipment, before depreciation	$2.3B¹¹ Dec 31, 2025	$2.2B¹¹ Dec 31, 2024	+2.4%
Accumulated depreciation	$1.1B¹¹ Dec 31, 2025	$973.0M¹¹ Dec 31, 2024	+16.1%
Property and equipment, net	$1.1B¹¹ Dec 31, 2025	$1.3B¹¹ Dec 31, 2024	−8.2%
Operating-lease assets (leased space)	$109.0M¹¹ Dec 31, 2025	$92.0M¹¹ Dec 31, 2024	+18.5%

Investments

Item	Latest	A year before	Change
Cash and cash equivalents	$10.0B¹¹ Dec 31, 2025	$10.3B¹¹ Dec 31, 2024	−2.5%
Stakes in other companies (equity method)	$715.0M¹¹ Dec 31, 2025	$632.0M¹¹ Dec 31, 2024	+13.1%
Loans, net of allowance	$134.0B¹¹ Dec 31, 2025	$132.3B¹¹ Dec 31, 2024	+1.2%
Deposits held (banks)	$151.6B¹¹ Dec 31, 2025	$151.6B¹¹ Dec 31, 2024	0%

Intangibles and goodwill

Item	Latest	A year before	Change
Goodwill	$190.0M¹¹ Dec 31, 2025	$551.0M¹¹ Dec 31, 2024	−65.5%
Intangible assets, net (excluding goodwill)	$0¹¹ Dec 31, 2025	$54.0M¹¹ Dec 31, 2024	−100.0%
Accumulated amortization	$80.0M¹¹ Dec 31, 2025	$131.0M¹¹ Dec 31, 2024	−38.9%
Finite-lived intangibles, net	$54.0M¹⁵ Dec 31, 2024	$73.0M¹⁴ Dec 31, 2023	−26.0%

Properties, in its own words

Our principal corporate offices are located in Detroit, Michigan, and Charlotte, North Carolina. In Detroit, we lease approximately 403,000 square feet of office space under a lease that expires in December 2028. In Charlotte, we occupy approximately 632,000 square feet of office space in a corporate facility that we own.

The primary offices for both our Automotive Finance and Insurance operations are located in Detroit, and are included in the totals referenced above. The primary office for our Corporate Finance operations is located in New York, New York, where we lease approximately 55,000 square feet of office space under a lease that expires in June 2033.

The rest of Item 2

In addition to the properties described above, we lease additional space to conduct our operations. We believe our facilities are adequate for us to conduct our present business activities.

Item 2 of the 10-K filed Feb 25, 2026.¹⁹

Stakes and holdings (Wikidata)

Ally Auto

Things Wikidata records the company as owning, with the share when stated.¹

The story

1919–1990

The company was founded in 1919 by General Motors (GM) as the General Motors Acceptance Corporation (GMAC) to provide financing to automotive customers. In 1939, the company founded Motors Insurance Corporation and entered the vehicle insurance market.

In 1985, while GM was under the leadership of Roger Smith, who sought to diversify the company, GMAC formed GMAC Mortgage and acquired Colonial Mortgage as well as the servicing arm of Norwest Mortgage, which included an $11 billion mortgage portfolio.

1991–2009

In 1991, the company was forced to write-off $275 million in bad debt as part of a $436 million loss suffered from fraud committed by John McNamara, who ran a Ponzi scheme.

In 1998, the company formed GMAC Real Estate. In 1999, GMAC Mortgage acquired Ditech. In 2000, the company formed GMAC Bank, a direct bank. In 2005, the company formed GMAC ResCap as a holding company for its mortgage operations.

In 2006, General Motors sold a 51% interest in GMAC to Cerberus Capital Management, a private equity firm. Also that year, GMAC sold a controlling interest of GMAC Commercial Holdings (its real estate division renamed Capmark) to Goldman Sachs, Kohlberg Kravis Roberts, and Five Mile Capital Partners. GMAC Real Estate was sold to Brookfield Asset Management. In 2009, Capmark filed for bankruptcy and its North American loan origination and servicing business was acquired by Berkadia, a joint venture of Leucadia National and Berkshire Hathaway.

On December 24, 2008, the Federal Reserve accepted the company's application to become a bank holding company. In January 2009, the company closed Nuvell Financial Services, its subprime lending division.

As a result of losses in GMAC ResCap, a subsidiary of the company, the United States Department of the Treasury invested $17.2 billion in the company in 2008–2009. The Treasury sold its last stake in the company in 2014, recovering $19.6 billion from its $17.2 billion investment.

In April 2009, the bank announced plans to move its Charlotte office from Ballantyne to 106,525 square feet (9,896.5 m2) on four floors of 440 South Church, with possible expansion later. At the time, the bank had 265 Charlotte employees in three business units.

Read the full text

In May 2009, GMAC Bank was rebranded as Ally Bank.

2010–2019

In May 2010, GMAC re-branded itself as Ally Financial.

In September 2010, the company sold its resort finance business to Centerbridge Partners.

In 2012, the company sold its Canadian banking operations to Royal Bank of Canada for $3.8 billion. In April 2014, it became a public company via an initial public offering. In 2015, it moved its headquarters to One Detroit Center, which was subsequently renamed Ally Detroit Center. In June 2016, the company acquired TradeKing, a stockbrokerage, for $275 million, which was re-branded as Ally Invest.

Ally re-entered the mortgage business in May 2016 but stopped making new mortgage loans in January 2025.

In October 2019, Ally acquired Health Credit Services, which provided financing for healthcare treatments. It was sold to Synchrony Financial in March 2024.

2020–present

On May 3, 2021, Ally began occupying 725,000 square feet at Ally Charlotte Center.

In December 2021, Ally acquired Fair Square Financial, a credit card company, for $750 million. It was sold to CardWorks in April 2025.

From Wikipedia’s article on Ally Financial, shared under CC BY-SA 4.0.⁷

Leadership

Who has led Ally Financial, and when. Pick a name to see everywhere that person has worked.

Chief executive

President

Chief financial officer

197019801990200020102020

Chief executive officerDouglas R. Timmerman Feb 6, 2024 to Feb 6, 2024²⁰
Chief executive officerDiane E. Morais Mar 31, 2015 to Mar 13, 2017²¹
Chief executive officerBarbara A. Yastine Apr 9, 2014 to Mar 17, 2015²²
Chief executive officerMichael A. Carpenter Apr 9, 2014 to Feb 3, 2015²³
PresidentDouglas R. Timmerman Apr 27, 2018 to now²⁴
PresidentDiane E. Morais Mar 31, 2015 to Jul 3, 2024²¹
PresidentTimothy M. Russi Oct 27, 2015 to Feb 2, 2018²⁵
PresidentBarbara A. Yastine Apr 9, 2014 to Mar 17, 2015²²
PresidentWilliam F. Muir Apr 9, 2014 to Jan 5, 2015²⁶
Chief financial officerRussell E. Hutchinson Jul 13, 2023 to now²⁷
Chief financial officerBradley J. Brown Oct 27, 2022 to Apr 28, 2023²⁸
Chief financial officerJennifer A. Laclair Mar 9, 2018 to Feb 7, 2022²⁹
Chief financial officerChristopher A. Halmy Apr 9, 2014 to Feb 2, 2018³⁰

Board members and other officers (34)

VP, CAO, and ControllerAustin Thomas McGrath Aug 15, 2025 to now³¹
Chief Risk OfficerStephanie N. Richard Nov 27, 2024 to now³²
Chief HR & Corp CitizenshipKathleen L. Patterson Dec 10, 2024 to now³³
Chief Risk OfficerJason E. Schugel Apr 27, 2018 to Nov 6, 2024³⁴
Chief Risk OfficerDavid P. Shevsky Dec 28, 2015 to Feb 2, 2018³⁵
Chief Risk OfficerBrian M. Gunn Apr 9, 2014 to Jun 9, 2015³⁶
VP, CAO, ControllerDavid J. Debrunner Apr 9, 2014 to now³⁷
Vice presidentCharles D. Platt 1953 to 1987¹
Board memberTracey Drake Weber May 13, 2026 to now³⁸
Board memberMichelle J. Goldberg May 14, 2025 to now³⁹
Board memberAllan Merrill Nov 13, 2025 to now⁴⁰
Board memberGunther Bright Nov 13, 2025 to now⁴¹
Board memberThomas P. Gibbons Aug 3, 2023 to now⁴²
Board memberDavid Reilly May 12, 2022 to now⁴³
Board memberMelissa Goldman May 12, 2022 to May 16, 2024⁴⁴
Board memberBrian Sharples Aug 8, 2018 to now⁴⁵
Board memberKatryn Blake Aug 8, 2018 to Jan 11, 2022⁴⁶
Board memberWilliam H. Cary Jun 30, 2016 to now⁴⁷
Board memberKenneth J. Bacon Feb 9, 2015 to May 16, 2024⁴⁸
Board memberMaureen Breakiron-Evans Jul 23, 2015 to May 17, 2022⁴⁹
Board memberMichael F. Steib Jul 23, 2015 to May 16, 2023⁵⁰
Board memberBrian P. Macdonald Apr 9, 2014 to Apr 15, 2014⁵¹
Board memberFranklin W. Hobbs Iv. Apr 9, 2014 to now⁵²
Board memberGerald Greenwald Apr 9, 2014 to Jul 21, 2014⁵³
Board memberKim Fennebresque Apr 9, 2014 to now⁵⁴
Board memberMarjorie Magner Apr 9, 2014 to now⁵⁵
Board memberMathew Pendo Apr 9, 2014 to Jun 1, 2015⁵⁶
Board memberMichael A. Carpenter Apr 9, 2014 to Feb 3, 2015²³
Board memberRobert T. Blakely Apr 9, 2014 to May 17, 2017⁵⁷
Board memberJohn J. Stack Jul 18, 2014 to May 18, 2021⁵⁸
General counselHope Mehlman Dec 10, 2024 to now⁵⁹
General counselIsvara M. Wilson Dec 28, 2023 to Nov 19, 2024⁶⁰
General counselScott A. Stengel Jun 1, 2016 to Oct 20, 2023⁶¹
General counselWilliam B. Solomon Jr. Apr 9, 2014 to May 23, 2016⁶²

Products and brands

brokerage firm
financial services
mortgage loan
personal loan

Listed on Wikidata.¹

Subsidiaries and ownership

Subsidiaries

Ally Auto
Ally Bank

Also consolidated

Ally Bank⁹

Subsidiaries (Exhibit 21)

Ally Bank Utah⁸
Ally Insurance Holdings Inc. Delaware⁸
IB Finance Holding Company, LLC Delaware⁸

From Wikidata.¹ Ownership links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); each one cites its LEI record. The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Acquisitions

1990Acquired GMAC ResCap¹

Former names

GMAC INC.Jul 1, 2009 to May 7, 2010⁶
GMAC LLCJul 25, 2006 to Jun 29, 2009⁶
GENERAL MOTORS ACCEPTANCE CORPJan 11, 1994 to Jul 14, 2006⁶

Controversies and legal

Legal issues

2013 discrimination settlement

In December 2013, the Consumer Financial Protection Bureau (CFPB) and United States Department of Justice ordered the company to pay $80 million in consumer monetary damages and $18 million in civil penalties after determining that 235,000 minority borrowers paid higher interest rates for auto loans originated between April 2011 and December 2013 because of the company's discriminatory pricing system. The higher rates resulted from the company's specific policy of allowing dealers to charge, at their discretion, a "dealer markup" above Ally's established "buy rate" and then compensating dealers based on the markup. Ally provided an incentive for dealers to charge higher rates, in violation of the Equal Credit Opportunity Act.

From Wikipedia’s article on Ally Financial, shared under CC BY-SA 4.0.⁷

Timeline

Oct 7, 20268-K Bylaws or fiscal year changed⁶³
Sep 16, 20268-K Other events⁶⁴
Jul 21, 20268-K Results of operations⁶⁵
May 20, 20268-K Bylaws or fiscal year changed⁶⁶
May 8, 20268-K Executive or director change; Shareholder vote⁶⁷
May 1, 20268-K Change to shareholders' rights; Bylaws or fiscal year changed; Other events⁶⁸
Apr 27, 20268-K Other events⁶⁹
Apr 17, 20268-K Results of operations⁷⁰
Jan 21, 20268-K Results of operations⁷¹
Dec 10, 20258-K Regulation FD disclosure; Other events⁷²
Dec 9, 20258-K Executive or director change⁷³
Oct 17, 20258-K Results of operations⁷⁴
Feb 6, 2024New chief executive Douglas R. Timmerman becomes CEO²⁰
Mar 31, 2015New chief executive Diane E. Morais becomes CEO²¹
Apr 9, 2014New chief executive Michael A. Carpenter becomes CEO²³
Apr 9, 2014New chief executive Barbara A. Yastine becomes CEO²²
2005Founded Founded¹

Calendar

Coming up

Oct 20, 2026 · Before the openReports results for the quarter ending Sep/2026 A year earlier it reported $1.15 a share, on Oct 17, 2025.⁷⁵

When it reported results

Jul 21, 2026Reported quarterly or annual results⁶⁵
Apr 17, 2026Reported quarterly or annual results⁷⁰
Jan 21, 2026Reported quarterly or annual results⁷¹
Oct 17, 2025Reported quarterly or annual results⁷⁴
Jul 18, 2025Reported quarterly or annual results⁷⁶
Apr 17, 2025Reported quarterly or annual results⁷⁷
Jan 22, 2025Reported quarterly or annual results⁷⁸
Oct 18, 2024Reported quarterly or annual results⁷⁹

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

666 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 60 major events, 256 insider forms, 13 large holders, 317 other. The latest 20:

The 666 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

38 open-market trades by officers, directors and large owners since October 2021: 6 buys and 32 sales. Grants, option exercises and gifts are left out.

Date	Who	Trade	Shares	Price	Value	Filing
Aug 4, 2026	Richard Stephanie NChief Risk Officer	Sale	5,000	$44.23	$221.2K	Form 4
May 15, 2026	Richard Stephanie NChief Risk Officer	Sale	5,000	$42.14	$210.7K	Form 4
Apr 17, 2026	Timmerman Douglas R.President, DFS	Sale	39,675	$45.17	$1.8M	Form 4
Jan 27, 2026	Hutchinson Russell E.Chief Financial Officer	Buy	11,566	$43.17	$499.3K	Form 4
Jan 23, 2026	RHODES MICHAEL GEORGEChief Executive Officer	Buy	23,800	$41.68	$991.9K	Form 4
Oct 22, 2025	Patterson Kathleen L.Chief HR & Corp Citizenship	Sale	29,000	$40.86	$1.2M	Form 4
Apr 30, 2025	Richard Stephanie NChief Risk Officer	Sale	8,000	$32.14	$257.1K	Form 4
Apr 22, 2025	Hutchinson Russell E.Chief Financial Officer	Buy	8,200	$30.81	$252.7K	Form 4
Jan 27, 2025	RHODES MICHAEL GEORGEChief Executive Officer	Buy	25,634	$39.09	$1.0M	Form 4
Jan 24, 2025	Hutchinson Russell E.Chief Financial Officer	Buy	19,100	$39.45	$753.5K	Form 4
Dec 29, 2023	DEBRUNNER DAVID JVP, CAO, Controller	Sale	3,750	$35.00	$131.3K	Form 4
Dec 15, 2023	DEBRUNNER DAVID JVP, CAO, Controller	Sale	3,750	$35.00	$131.2K	Form 4
Dec 14, 2023	DEBRUNNER DAVID JVP, CAO, Controller	Sale	7,500	$33.80	$253.5K	Form 4
Oct 25, 2022	MAGNER MARJORIEDirector	Buy	2,000	$27.43	$54.9K	Form 4
Apr 19, 2022	Schugel Jason E.Chief Risk Officer	Sale	2,500	$45.00	$112.5K	Form 4
Mar 1, 2022	Schugel Jason E.Chief Risk Officer	Sale	2,500	$49.21	$123.0K	Form 4
Mar 1, 2022	Timmerman Douglas R.President, DFS	Sale	2,916	$49.21	$143.5K	Form 4
Feb 1, 2022	Timmerman Douglas R.President, DFS	Sale	2,916	$47.78	$139.3K	Form 4
Feb 1, 2022	Morais Diane E.President, Ally Bank	Sale	4,125	$47.78	$197.1K	Form 4
Feb 1, 2022	Schugel Jason E.Chief Risk Officer	Sale	2,500	$47.78	$119.5K	Form 4

All 38 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

VANGUARD GROUP INCSCHEDULE 13G/A, 4 filings Feb 9, 2022 to Mar 26, 2026⁸⁰
BlackRockSCHEDULE 13G/A, 4 filings Feb 1, 2022 to Jul 17, 2025⁸¹
Berkshire HathawaySC 13G/A, 2 filings Feb 14, 2023 to Feb 14, 2024⁸²
HARRIS ASSOCIATES L PSC 13G/A, 3 filings Feb 11, 2022 to Feb 14, 2024⁸³

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

Year	Executive	Salary	Total pay
2025	Michael G. Rhodes	$1.0M	$12.8M⁸⁴
2025	Russell E. Hutchinson	$750.0K	$5.4M⁸⁴
2025	Douglas R. Timmerman	$750.0K	$5.4M⁸⁴
2025	William C. Hall Jr.	$650.0K	$4.0M⁸⁴
2025	Stephanie N. Richard	$650.0K	$2.9M⁸⁴
2024	Chief Executive Officer	$634.6K	$20.9M⁸⁴
2024	Chief Financial Officer	$750.0K	$5.2M⁸⁴
2024	PresidentDealer Financial Services	$750.0K	$4.6M⁸⁴
2024	Chief Risk Officer	$638.5K	$2.3M⁸⁴
2023	PresidentDealer Financial Services	$750.0K	$13.1M⁸⁴
2023	Chief Financial Officer	$346.2K	$7.6M⁸⁴

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

Fund	Shares	Value	Share of the fund	Change
BlackRock, Inc.	28,632,394	$1.3B	0.0%	+98,161
Berkshire Hathaway Inc	27,000,000	$1.2B	0.4%	−2,000,000
Harris Associates L P	26,105,434	$1.2B	1.6%	−304,851
Vanguard Portfolio Management LLC	14,098,964	$647.8M	0.0%	+749,885
Vanguard Capital Management LLC	12,493,411	$574.1M	0.0%	+19,564
Wellington Management Group Llp	10,308,012	$473.7M	0.1%	−1,050,896
Dimensional Fund Advisors LP	9,331,607	$428.8M	0.1%	+313,027
State Street Corp	8,885,383	$408.3M	0.0%	+202,405
Sessa Capital IM, L.P.	8,488,098	$390.0M	6.7%	No change
Arrowstreet Capital, Limited Partnership	6,863,117	$315.4M	0.1%	+79,170
Geode Capital Management, LLC	5,609,394	$257.8M	0.0%	+266,683
Aqr Capital Management LLC	4,742,891	$217.9M	0.1%	+1,011,999
First Manhattan Co. Llc.	4,479,185	$205.8M	0.5%	−104,891
Jacobs Levy Equity Management, Inc	4,181,887	$192.2M	0.7%	−10,955
Donald Smith & Co., Inc.	3,754,280	$172.5M	3.1%	−265,435
London Co Of Virginia	3,739,890	$171.8M	1.0%	−164,978
Morgan Stanley	3,620,313	$166.4M	0.0%	+173,701
Nomura Asset Management International Inc.	3,450,643	$158.6M	0.2%	+240,001
Los Angeles Capital Management LLC	2,969,331	$136.4M	0.5%	+2,744,815
Fmr LLC	2,960,662	$136.0M	0.0%	−121,145
Northern Trust Corp	2,827,880	$129.9M	0.0%	+14,358
Charles Schwab Investment Management Inc	2,593,955	$119.2M	0.0%	−5,479
Bank Of America Corp /de/	2,293,330	$105.4M	0.0%	−596,290
Bank of New York Mellon Corp	2,261,811	$103.9M	0.0%	−88,862
Glendon Capital Management LP	2,083,219	$95.7M	12.4%	No change

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

15 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

Date	Member	Trade	Amount	Vs S&P since	Filing
Apr 9, 2026	Josh GottheimerDemocratic, House	Sale	$1,001 - $15,000	+23.4%	Report
Mar 6, 2023	Daniel S. GoldmanDemocratic, House	Sale	$15,001 - $50,000	+65.5%	Report
Jan 31, 2023	Daniel S. GoldmanDemocratic, House	Buy	$15,001 - $50,000	−73.9%	Report
Nov 30, 2022	Susie LeeDemocratic, House	Sale	$1,001 - $15,000	+49.8%	Report
Jul 20, 2022	Kathy Manning, House	Buy	$1,001 - $15,000	−84.3%	Report
Jun 15, 2022	Zoe LofgrenDemocratic, House	Sale	$1,001 - $15,000	+95.3%	Report
Sep 2, 2021	Zoe LofgrenDemocratic, House	Buy	$1,001 - $15,000	−97.7%	Report
Aug 9, 2021	Zoe LofgrenDemocratic, House	Buy	$1,001 - $15,000	−101.8%	Report
Jun 15, 2021	Susie LeeDemocratic, House	Buy	$1,001 - $15,000	−111.8%	Report
Feb 5, 2021	Josh GottheimerDemocratic, House	Buy	$1,001 - $15,000	−108.6%	Report
Sep 28, 2020	Susie LeeDemocratic, House	Buy	$1,001 - $15,000	−79.9%	Report
Jun 5, 2020	Susie LeeDemocratic, House	Buy	$1,001 - $15,000	−75.3%	Report
Jun 4, 2020	Susie LeeDemocratic, House	Buy	$1,001 - $15,000	−70.2%	Report
Jun 3, 2020	Susie LeeDemocratic, House	Buy	$1,001 - $15,000	−61.0%	Report
Apr 1, 2020	Susie LeeDemocratic, House	Sale	$1,001 - $15,000	+22.1%	Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How Ally Financial is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

Name on EDGARAlly Financial Inc.²
CIK0000040729
Employer ID (EIN)38-0572512¹⁹
Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company¹⁹
Incorporated inDelaware¹⁹
Fiscal year endsDecember 31²
Industry code (SIC)6022 State Commercial Banks²
SEC reviewing officeOffice of Finance, Division of Corporation Finance²
Business addressAlly Detroit Center, 500 Woodward Ave. Floor 10, Detroit, MI 48226²
Phone866-710-4623²
Shares outstanding304,199,693 as of Jul 21, 2026¹⁷
Public float$12.0B as of Jun 30, 2025¹⁹
AuditorDeloitte & Touche LLP, Detroit, Michigan PCAOB ID 34; it also attests to the company’s internal control over financial reporting¹⁹
On EDGAR sinceJan 5, 1994²
Filings5,477 in all: 424B3 (2,321), 4 (1,099), 424B2 (859), 8-K (510), 10-Q (98), 13F-HR (61), 424B5 (61), FWP (53)²
All 58 form types
3 (48), CORRESP (32), S-3 (29), SC 13G/A (29), UPLOAD (29), 10-K (28), S-3ASR (23), DEFA14A (22), 8-A12B (18), 25 (12), DEF 14A (12), 25-NSE (11), S-1/A (11), 10-Q/A (9), S-3/A (9), 144 (8), SC 13G (7), 10-K/A (6), ARS (6), 10-K405 (5), CERTNYS (5), CT ORDER (5), EFFECT (5), 11-K (4), POSASR (4), S-4 (4), RW (3), S-8 (3), SC TO-I/A (3), 4/A (2), 424B4 (2), S-8 POS (2), SCHEDULE 13G/A (2), 11-K/A (1), 13F-NT (1), 25-NSE/A (1), 424B7 (1), 5 (1), 8-A12B/A (1), D (1), DFAN14A (1), POS AM (1), POS EX (1), PRE 14A (1), S-1 (1), S-2 (1), S-4/A (1), SC 13D (1), SC 13D/A (1), SC TO-I (1)
Latest filingsAnnual report (10-K) Feb 25, 2026
Quarterly report (10-Q) Jul 23, 2026
Proxy statement (DEF 14A) Mar 18, 2026
Latest 8-K (8-K) Oct 7, 2026

Securities registered for trading

Class	Symbol	Exchange
Common Stock, par value $0.01 per share	ALLY	NYSE

From the cover page of the 10-K filed Feb 25, 2026 (Section 12(b) of the Exchange Act).¹⁹

Risk factors and legal proceedings

The risks Ally Financial names in Item 1A of its 10-K filed Feb 25, 2026: 76 risks under these headings, as written.¹⁹

Risks Related to Regulation and Supervision
•The regulatory and supervisory environment in which we operate could have an adverse effect on our business, financial condition, results of operations, and prospects.
•Our ability to execute our business strategy for Ally Bank may be adversely affected by regulatory constraints.
•We are subject to stress tests, capital and liquidity planning, and other enhanced prudential standards, which impose significant restrictions and costly requirements on our business and operations.
•Our ability to rely on deposits as a part of our funding strategy may be limited.
•Our business and financial results could be adversely affected by the political environment and governmental fiscal and monetary policies.
•If our ability to receive distributions from subsidiaries is restricted, we may not be able to satisfy our obligations to counterparties or creditors, make dividend payments to shareholders, or repurchase our common stock.
•Legislative or regulatory initiatives on cybersecurity and data privacy could adversely impact our business and financial results.
•Our business and financial results may be negatively affected by governmental actions related to climate and other sustainability-related matters.
Risks Related to Our Business
•Weak or deteriorating economic conditions, failures in underwriting, changes in underwriting standards, failures in servicing loans and operating leases, financial or systemic shocks, or continued growth in our nonprime or used vehicle financing business could increase our credit risk, which could adversely affect our business and financial results.
•Our allowance for loan losses may not be adequate to cover actual losses, and we may be required to significantly increase our allowance, which may adversely affect our financial condition and results of operations.

The other 66 risks

•We have dealer-centric automotive finance and insurance businesses, and a change in the key role of dealers within the automotive industry or our ability to maintain or build relationships with them could have an adverse effect on our business, results of operations, financial condition, or prospects.
•GM and Stellantis dealers and their retail customers continue to constitute a significant portion of our customer base, which creates concentration risk for us.
•Our business and financial results are dependent upon overall U.S. automotive industry sales volume.
•Vehicle loans and operating leases make up a significant part of our earning assets, and our business and financial results could suffer if used vehicle prices are low or volatile or decrease in the future beyond our expectation.
•The levels of or changes in interest rates could affect our results of operations and financial condition.
•We rely extensively on third-party service providers in delivering products and services to our customers and otherwise conducting our business and operations, and their failure to perform to our standards or other issues of concern with them could adversely affect our reputation, business, and financial results.
•We are or may be subject to potential liability in connection with pending or threatened legal proceedings and other matters, which could adversely affect our business or financial results.
•Our inability to attract, retain, or motivate qualified employees could adversely affect our business or financial results.
•Our ability to successfully make acquisitions or complete divestitures is subject to significant risks, including the risk that governmental authorities will not provide the requisite approvals, the risk that integrating acquisitions may be more difficult, costly, or time consuming than expected, and the risk that the value of acquisitions may be less than anticipated.
•Our business requires substantial capital and liquidity, and a disruption in our funding sources or access to the capital markets may have an adverse effect on our liquidity, capital positions, and financial condition.
•Our indebtedness and other obligations are significant and could adversely affect our business and financial results.
•Our non-deposit borrowing costs and access to the banking and capital markets could be negatively impacted if our credit ratings are downgraded or otherwise fail to meet investor expectations.
•The markets for automotive financing, insurance, banking, brokerage, and investment advisory services are extremely competitive, and competitive pressures could adversely affect our business and financial results.
•Challenging business, economic, or market conditions may adversely affect our business, results of operations, and financial condition.
•Geopolitical conditions, government shutdowns, military conflicts, acts or threats of terrorism, natural disasters, pandemics, disruptions in the economy caused by geopolitical events and related sanctions, and other conditions or events beyond our control could adversely affect us.
•Our hedging strategies may not be successful in mitigating our interest rate, foreign exchange, and market risks, which could adversely affect our financial results.
•We use estimates and assumptions in determining the value or amount of many of our assets and liabilities. If our estimates or assumptions prove to be incorrect, our cash flow, profitability, financial condition, and prospects could be adversely affected.
•Significant fluctuations in the valuation of investment securities or market prices could negatively affect our financial results.
•Changes in accounting standards could adversely affect our reported revenues, expenses, profitability, and financial condition.
•The financial system is highly interrelated, and the failure of even a single financial institution or other participant in the financial system could adversely affect us.
•Adverse economic conditions or changes in laws in the states where we have loan or operating lease concentrations may negatively affect our business and financial results.
•The development and use of AI is rapidly evolving and our failure to appropriately evaluate, adopt, govern, or effectively integrate AI where beneficial could adversely affect us.
•Negative publicity outside of our control, or our failure to successfully manage issues arising from our conduct or in connection with the financial services industry generally, could damage our reputation and adversely affect our business or financial results.
•Our failure to meet stakeholder expectations on sustainability-related issues could result in reputational harm, a loss of customer and investor confidence, and adverse business and financial results.
•Climate-related risks could adversely affect our business, operations, and reputation.
Risks Related to Our Operations
•We face a wide array of security risks that could result in business, reputational, financial, regulatory, and other harm to us.
•Our operating systems or infrastructure, as well as those of our service providers or others on whom we rely, could fail or be interrupted, which could disrupt our business and adversely affect our results of operations, financial condition, and prospects.
•We are heavily reliant on technology, and a failure in effectively implementing technology initiatives, anticipating future technology needs or demands, or maintaining rights or interests in associated intellectual property could adversely affect our business or financial results.
•Our enterprise risk-management framework or independent risk-management function may not be effective in mitigating risk and loss.
•Our business and operations make extensive use of models and certain other qualified tools, and we could be adversely affected if our design, implementation, or use of models and certain other qualified tools are flawed.
Risks Related to Ownership of Our Common Stock
•Our ability to pay dividends on our common stock or repurchase shares in the future may be limited.
•The market price of our common stock could be adversely impacted by anti-takeover provisions in our organizational documents and Delaware law that could delay or prevent a takeover attempt or CIC of Ally or by other banking, antitrust, or corporate laws that have or are perceived as having an anti-takeover effect.
The regulatory and supervisory environment in which we operate could have an adverse effect on our business, financial condition, results of operations, and prospects.
Our ability to execute our business strategy for Ally Bank may be adversely affected by regulatory constraints.
We are subject to stress tests, capital and liquidity planning, and other enhanced prudential standards, which impose significant restrictions and costly requirements on our business and operations.
Our ability to rely on deposits as a part of our funding strategy may be limited.
Our business and financial results could be adversely affected by the political environment and governmental fiscal and monetary policies.
If our ability to receive distributions from subsidiaries is restricted, we may not be able to satisfy our obligations to counterparties or creditors, make dividend payments to shareholders, or repurchase our common stock.
Legislative or regulatory initiatives on cybersecurity and data privacy could adversely impact our business and financial results.
Our business and financial results may be negatively affected by governmental actions related to climate and other sustainability-related matters.
Weak or deteriorating economic conditions, failures in underwriting, changes in underwriting standards, failures in servicing loans and operating leases, financial or systemic shocks, or continued growth in our nonprime or used vehicle financing business could increase our credit risk, which could adversely affect our business and financial results.
Our allowance for loan losses may not be adequate to cover actual losses, and we may be required to significantly increase our allowance, which may adversely affect our financial condition and results of operations.
We have dealer-centric automotive finance and insurance businesses, and a change in the key role of dealers within the automotive industry or our ability to maintain or build relationships with them could have an adverse effect on our business, results of operations, financial condition, or prospects.
GM and Stellantis dealers and their retail customers continue to constitute a significant portion of our customer base, which creates concentration risk for us.
Our business and financial results are dependent upon overall U.S. automotive industry sales volume.
Vehicle loans and operating leases make up a significant part of our earning assets, and our business and financial results could suffer if used vehicle prices are low or volatile or decrease in the future beyond our expectation.
The levels of or changes in interest rates could affect our results of operations and financial condition.
We rely extensively on third-party service providers in delivering products and services to our customers and otherwise conducting our business and operations, and their failure to perform to our standards or other issues of concern with them could adversely affect our reputation, business, and financial results.
We are or may be subject to potential liability in connection with pending or threatened legal proceedings and other matters, which could adversely affect our business or financial results.
Our inability to attract, retain, or motivate qualified employees could adversely affect our business or financial results.
Our ability to successfully make acquisitions or complete divestitures is subject to significant risks, including the risk that governmental authorities will not provide the requisite approvals, the risk that integrating acquisitions may be more difficult, costly, or time consuming than expected, and the risk that the value of acquisitions may be less than anticipated.
Our business requires substantial capital and liquidity, and a disruption in our funding sources or access to the capital markets may have an adverse effect on our liquidity, capital positions, and financial condition.
Our indebtedness and other obligations are significant and could adversely affect our business and financial results.
Our non-deposit borrowing costs and access to the banking and capital markets could be negatively impacted if our credit ratings are downgraded or otherwise fail to meet investor expectations.
The markets for automotive financing, insurance, banking, brokerage, and investment advisory services are extremely competitive, and competitive pressures could adversely affect our business and financial results.
Challenging business, economic, or market conditions may adversely affect our business, results of operations, and financial condition.
Geopolitical conditions, government shutdowns, military conflicts, acts or threats of terrorism, natural disasters, pandemics, disruptions in the economy caused by geopolitical events and related sanctions, and other conditions or events beyond our control could adversely affect us.
Our hedging strategies may not be successful in mitigating our interest rate, foreign exchange, and market risks, which could adversely affect our financial results.
We use estimates and assumptions in determining the value or amount of many of our assets and liabilities. If our estimates or assumptions prove to be incorrect, our cash flow, profitability, financial condition, and prospects could be adversely affected.
Significant fluctuations in the valuation of investment securities or market prices could negatively affect our financial results.
Changes in accounting standards could adversely affect our reported revenues, expenses, profitability, and financial condition.
The financial system is highly interrelated, and the failure of even a single financial institution or other participant in the financial system could adversely affect us.
Adverse economic conditions or changes in laws in the states where we have loan or operating lease concentrations may negatively affect our business and financial results.
The development and use of AI is rapidly evolving and our failure to appropriately evaluate, adopt, govern, or effectively integrate AI where beneficial could adversely affect us.
Negative publicity outside of our control, or our failure to successfully manage issues arising from our conduct or in connection with the financial services industry generally, could damage our reputation and adversely affect our business or financial results.
Our failure to meet stakeholder expectations on sustainability-related issues could result in reputational harm, a loss of customer and investor confidence, and adverse business and financial results.

Legal proceedings

Refer to Note 29 to the Consolidated Financial Statements for a discussion related to our legal proceedings.

The opening of Item 3, Legal Proceedings.¹⁹

Sources

The numbers on this page point here. Each one links to the record it came from.

1
WikidataAlly Financial on Wikidata
2
SEC EDGARAlly Financial filings on SEC EDGAR
3
WikipediaAlly Financial on Wikipedia
4
GLEIFAlly Financial LEI record (549300JBN1OSM8YNAI90)
5
Wikimedia CommonsAlly Financial logo by Toomuchcash at en.wikipedia, Public domain
6
SEC EDGARAlly Financial filings on SEC EDGAR
7
WikipediaAlly Financial on Wikipedia (revision used)
8
SEC EDGARAlly Financial annual report, Exhibit 21 (subsidiaries)
9
GLEIFAlly Bank: LEI record
10
Wikimedia CommonsAlly Financial photo by JJonahJackalope, CC BY-SA 4.0
11
SEC EDGARAlly Financial 10-K for fiscal 2025
12
SEC EDGARAlly Financial 10-K for fiscal 2019
13
SEC EDGARAlly Financial 10-K for fiscal 2020
14
SEC EDGARAlly Financial 10-K for fiscal 2021
15
SEC EDGARAlly Financial 10-K for fiscal 2022
16
SEC EDGARAlly Financial 10-Q for fiscal 2026
17
SEC EDGARAlly Financial 10-Q for fiscal 2026
18
SEC EDGARAlly Financial 10-K for fiscal 2019
19
SEC EDGARAlly Financial 10-K filed Feb 25, 2026: Item 2, Properties
20
SEC EDGARDouglas R. Timmerman, Chief executive officer
21
SEC EDGARDiane E. Morais, Chief executive officer
22
SEC EDGARBarbara A. Yastine, Chief executive officer
23
SEC EDGARMichael A. Carpenter, Chief executive officer
24
SEC EDGARDouglas R. Timmerman, President
25
SEC EDGARTimothy M. Russi, President
26
SEC EDGARWilliam F. Muir, President
27
SEC EDGARRussell E. Hutchinson, Chief financial officer
28
SEC EDGARBradley J. Brown, Chief financial officer
29
SEC EDGARJennifer A. Laclair, Chief financial officer
30
SEC EDGARChristopher A. Halmy, Chief financial officer
31
SEC EDGARAustin Thomas McGrath, VP, CAO, and Controller
32
SEC EDGARStephanie N. Richard, Chief Risk Officer
33
SEC EDGARKathleen L. Patterson, Chief HR & Corp Citizenship
34
SEC EDGARJason E. Schugel, Chief Risk Officer
35
SEC EDGARDavid P. Shevsky, Chief Risk Officer
36
SEC EDGARBrian M. Gunn, Chief Risk Officer
37
SEC EDGARDavid J. Debrunner, VP, CAO, Controller
38
SEC EDGARTracey Drake Weber, Board member
39
SEC EDGARMichelle J. Goldberg, Board member
40
SEC EDGARAllan Merrill, Board member
41
SEC EDGARGunther Bright, Board member
42
SEC EDGARThomas P. Gibbons, Board member
43
SEC EDGARDavid Reilly, Board member
44
SEC EDGARMelissa Goldman, Board member
45
SEC EDGARBrian Sharples, Board member
46
SEC EDGARKatryn Blake, Board member
47
SEC EDGARWilliam H. Cary, Board member
48
SEC EDGARKenneth J. Bacon, Board member
49
SEC EDGARMaureen Breakiron-Evans, Board member
50
SEC EDGARMichael F. Steib, Board member
51
SEC EDGARBrian P. Macdonald, Board member
52
SEC EDGARFranklin W. Hobbs Iv., Board member
53
SEC EDGARGerald Greenwald, Board member
54
SEC EDGARKim Fennebresque, Board member
55
SEC EDGARMarjorie Magner, Board member
56
SEC EDGARMathew Pendo, Board member
57
SEC EDGARRobert T. Blakely, Board member
58
SEC EDGARJohn J. Stack, Board member
59
SEC EDGARHope Mehlman, General counsel
60
SEC EDGARIsvara M. Wilson, General counsel
61
SEC EDGARScott A. Stengel, General counsel
62
SEC EDGARWilliam B. Solomon Jr., General counsel
63
SEC EDGARBylaws or fiscal year changed
64
SEC EDGAROther events
65
SEC EDGARResults of operations
66
SEC EDGARBylaws or fiscal year changed
67
SEC EDGARExecutive or director change; Shareholder vote
68
SEC EDGARChange to shareholders' rights; Bylaws or fiscal year changed; Other events
69
SEC EDGAROther events
70
SEC EDGARResults of operations
71
SEC EDGARResults of operations
72
SEC EDGARRegulation FD disclosure; Other events
73
SEC EDGARExecutive or director change
74
SEC EDGARResults of operations
75
NasdaqNasdaq calendar
76
SEC EDGARAlly Financial 8-K, Item 2.02 (results of operations)
77
SEC EDGARAlly Financial 8-K, Item 2.02 (results of operations)
78
SEC EDGARAlly Financial 8-K, Item 2.02 (results of operations)
79
SEC EDGARAlly Financial 8-K, Item 2.02 (results of operations)
80
SEC EDGARVANGUARD GROUP INC SCHEDULE 13G/A on Ally Financial
81
SEC EDGARBlackRock SCHEDULE 13G/A on Ally Financial
82
SEC EDGARBerkshire Hathaway SC 13G/A on Ally Financial
83
SEC EDGARHARRIS ASSOCIATES L P SC 13G/A on Ally Financial
84
SEC EDGARAlly Financial proxy statement (DEF 14A), 2025 pay