How Ally Financial (ALLY) Makes Money: A Visual Guide
Ally Financial (ALLY) generated $15.20B in revenue (TTM through Q4 2025), earning $852.00M in net profit (5.6% margin). Its largest revenue source is Total financing revenue and other interest income (78.2% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
Ally Financial (ALLY) Income Statement Flow
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 78.2% of total revenue. For TTM through Q4 2025, Ally Financial generated $15.20B in total revenue with a net profit margin of 5.6%.
What is Ally Financial (ALLY) gross profit margin?
- Ally Financial (ALLY) reported a gross profit margin of 48.1% for TTM through Q4 2025, equivalent to $7.31B in gross profit. This means Ally Financial retains 48.1% 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 6.9% for TTM through Q4 2025, equivalent to $1.05B 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 5.6% for TTM through Q4 2025, equivalent to $852.00M 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 $4.28B on capital expenditures in TTM through Q4 2025 (28.1% 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 −$534.00M in free cash flow for TTM through Q4 2025 (-3.5% 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 18.9% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.
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.
When was this data last updated?
- Based on company filings through TTM through Q4 2025.
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