How Ally Financial (ALLY) Makes Money: A Visual Guide
Ally Financial (ALLY) generated $15.65B in revenue, earning $1.40B in net profit (8.9% margin). Its largest revenue source is Total financing revenue and other interest income (61.1% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
In TTM through Q1 2026, Ally Financial (ALLY) generated revenue across 10 reportable product segments; the largest contributor was Total financing revenue and other interest income at 61.1%, followed by Noninsurance Contracts (22.2%) and Insurance premiums and service revenue earned (6.6%). Geographically, Domestic accounted for 97% of revenue, followed by Canada (1.5%) and Foreign (1.5%).
Ally Financial (ALLY) Income Statement Flow — TTM through Q1 2026
Calculated from the four most recent reported quarters, ending (reported ).
Ally Financial (ALLY) Revenue by Product Segment — TTM through Q1 2026
Revenue contribution by product segment for Ally Financial (ALLY) in TTM through Q1 2026.
Total financing revenue and other interest income
- Revenue
- $9.56B
- % of total
- 61.1%
Noninsurance Contracts
- Revenue
- $3.47B
- % of total
- 22.2%
Insurance premiums and service revenue earned
- Revenue
- $1.03B
- % of total
- 6.6%
Other income, net of losses
- Revenue
- $431.11M
- % of total
- 2.8%
Remarketing Activities
- Revenue
- $425.36M
- % of total
- 2.7%
Brokerage Commissions and Other
- Revenue
- $290.28M
- % of total
- 1.9%
Other gain (loss) on investments, net
- Revenue
- $175.32M
- % of total
- 1.1%
Banking Fees And Interchange Income
- Revenue
- $126.46M
- % of total
- 0.8%
Other segments
- Revenue
- $143.70M
- % of total
- 0.9%
Total
- Revenue
- $15.65B
- % of total
- 100%
| Segment | Revenue | % of total |
|---|---|---|
| Total financing revenue and other interest income | $9.56B | 61.1% |
| Noninsurance Contracts | $3.47B | 22.2% |
| Insurance premiums and service revenue earned | $1.03B | 6.6% |
| Other income, net of losses | $431.11M | 2.8% |
| Remarketing Activities | $425.36M | 2.7% |
| Brokerage Commissions and Other | $290.28M | 1.9% |
| Other gain (loss) on investments, net | $175.32M | 1.1% |
| Banking Fees And Interchange Income | $126.46M | 0.8% |
| Other segments | $143.70M | 0.9% |
| Total | $15.65B | 100% |
Ally Financial (ALLY) Revenue by Geography — FY 2017 (period end December 31, 2017)
Quarterly geographic data is unavailable for this period, so the table reflects the company's last annual disclosure (FY 2017 (period end December 31, 2017)). The income statement above uses TTM through Q1 2026, so regional dollars and percentages will not match line-for-line.
Revenue contribution by geographic region for Ally Financial (ALLY), FY 2017 (period end December 31, 2017).
Domestic
- Revenue
- $5.68B
- % of total
- 97%
Canada
- Revenue
- $89.00M
- % of total
- 1.5%
Foreign
- Revenue
- $89.00M
- % of total
- 1.5%
Total
- Revenue
- $5.85B
- % of total
- 100%
| Region | Revenue | % of total |
|---|---|---|
| Domestic | $5.68B | 97% |
| Canada | $89.00M | 1.5% |
| Foreign | $89.00M | 1.5% |
| Total | $5.85B | 100% |
Frequently asked questions
How does Ally Financial (ALLY) make money?
Ally Financial (ALLY) primarily makes money through Total financing revenue and other interest income, which accounts for 61.1% of total revenue. For TTM through Q1 2026, Ally Financial generated $15.65B in total revenue with a net profit margin of 8.9%.
What is Ally Financial (ALLY) gross profit margin?
Ally Financial (ALLY) reported a gross profit margin of 48.9% for TTM through Q1 2026, equivalent to $7.65B in gross profit. This means Ally Financial retains 48.9% of each revenue unit after direct costs of production.
What is Ally Financial (ALLY) operating profit margin?
Ally Financial (ALLY) reported an operating profit margin of 11.1% for TTM through Q1 2026, equivalent to $1.74B in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Ally Financial (ALLY) net profit margin?
Ally Financial (ALLY) reported a net profit margin of 8.9% for TTM through Q1 2026, equivalent to $1.40B in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does Ally Financial (ALLY) spend on capital expenditures?
Ally Financial (ALLY) spent $4.16B on capital expenditures in TTM through Q1 2026 (26.6% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is Ally Financial (ALLY) free cash flow?
Ally Financial (ALLY) generated $11.00M in free cash flow for TTM through Q1 2026 (0.1% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Ally Financial (ALLY) effective tax rate?
Ally Financial (ALLY) had an effective tax rate of 19.5% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.
What are Ally Financial (ALLY) main revenue segments?
Ally Financial (ALLY) reports revenue across 10 reportable product segments, led by Total financing revenue and other interest income at 61.1% of total revenue in TTM through Q1 2026. The full segment-by-segment breakdown is shown in the revenue-by-segment table on this page.
Where does Ally Financial (ALLY) generate most of its revenue?
Geographically, 97% of Ally Financial (ALLY) revenue came from Domestic in the most recent annual filing. The full regional split is shown in the revenue-by-geography table on this page.
Data & methodology
What is a Sankey diagram?
A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?
We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
Where do segment and geographic numbers come from?
Product-segment shares come from the same TTM income statement that powers the Sankey chart. Geographic splits are first rebuilt from the four most recent quarterly geographic-segmentation filings so they align with the same TTM window; if quarterly geo data is missing, we fall back to the latest annual disclosure (the table heading shows which one is in use).
When was this data last updated?
Based on company filings through TTM through Q1 2026.
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