How does Ally Financial (ALLY) make money?

Ally Financial (ALLY) generates revenue primarily from Total financing revenue and other interest income, which accounted for 61.1% of total revenue in TTM through Q1 2026. The company reported $15.65B in revenue and converted 8.9% of it into net profit, equivalent to roughly $1.40B in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of Ally Financial (ALLY)?

Ally Financial (ALLY) reported a gross profit margin of 48.9% in TTM through Q1 2026, equivalent to $7.65B in gross profit on $15.65B in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of Ally Financial (ALLY)?

Ally Financial (ALLY) reported an operating profit margin of 11.1% in TTM through Q1 2026, equivalent to $1.74B in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of Ally Financial (ALLY)?

Ally Financial (ALLY) reported a net profit margin of 8.9% in TTM through Q1 2026, equivalent to $1.40B in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is Ally Financial (ALLY) profitable?

Yes. Ally Financial (ALLY) reported $1.40B in net income for TTM through Q1 2026, with a net profit margin of 8.9%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much does Ally Financial (ALLY) spend on capital expenditures?

Ally Financial (ALLY) spent $4.16B on capital expenditures (CapEx) during TTM through Q1 2026, roughly 26.6% of total revenue. CapEx represents long-lived investment in property, equipment, data centres, and other physical infrastructure, and is subtracted from operating cash flow to arrive at free cash flow.

How much free cash flow does Ally Financial (ALLY) generate?

Ally Financial (ALLY) generated $11.00M in free cash flow during TTM through Q1 2026, a free-cash-flow margin of 0.1%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of Ally Financial (ALLY)?

Ally Financial (ALLY) had an effective tax rate of 19.5% in TTM through Q1 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of Ally Financial (ALLY)?

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. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

How Ally Financial Makes Money: 2026 Visual Revenue Map

Ally Financial (ALLY) Income Statement Flow — TTM through Q1 2026

Calculated from the four most recent reported quarters, ending March 31, 2026 (reported May 5, 2026).

Ally Financial discloses geographic revenue only in annual filings. to view the full breakdown.

Ally Financial (ALLY) Revenue by Product Segment — TTM through Q1 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for Ally Financial (ALLY) in TTM through Q1 2026.
Segment	Revenue (USD)	% 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%

Total financing revenue and other interest income$9.56B
Noninsurance Contracts$3.47B
Insurance premiums and service revenue earned$1.03B
Other income, net of losses$431.11M
Remarketing Activities$425.36M
Brokerage Commissions and Other$290.28M
Other gain (loss) on investments, net$175.32M
Banking Fees And Interchange Income$126.46M
Other segments$143.70M
Total$15.65B

Revenue Breakdown — TTM through Q1 2026

In TTM through Q1 2026, Ally Financial (ALLY) reports revenue across 10 operating segments; the largest segment 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%).

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