Ally Financial Inc - Asset Resilience Ratio
Ally Financial Inc (ALLY) has an Asset Resilience Ratio of 9.90% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See Ally Financial Inc short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2024)
This chart shows how Ally Financial Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Ally Financial Inc total assets.
Liquid Assets Composition Over Time
This chart breaks down Ally Financial Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore ALLY long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $18.98 Billion | 9.9% |
| Total Liquid Assets | $18.98 Billion | 9.90% |
Asset Resilience Insights
- Limited Liquidity: Ally Financial Inc maintains only 9.90% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Ally Financial Inc Industry Peers by Asset Resilience Ratio
Compare Ally Financial Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Direct Finance TA
TA:DIFI |
Credit Services | 0.01% |
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
Latitude Group Holdings Ltd
AU:LFS |
Credit Services | 3.67% |
|
OppFi Inc
NYSE:OPFI |
Credit Services | 6.56% |
|
Starteck Finance Limited
NSE:STARTECK |
Credit Services | 0.02% |
|
Mint Corp
V:MIT |
Credit Services | 0.00% |
|
Williamson Magor & Company Limited
NSE:WILLAMAGOR |
Credit Services | 0.06% |
|
Butn Ltd
AU:BTN |
Credit Services | 3.72% |
Annual Asset Resilience Ratio for Ally Financial Inc (2000–2024)
The table below shows the annual Asset Resilience Ratio data for Ally Financial Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 9.91% | $19.01 Billion | $191.84 Billion | -0.13pp |
| 2023-12-31 | 10.04% | $19.71 Billion | $196.33 Billion | -3.32pp |
| 2022-12-31 | 13.37% | $25.64 Billion | $191.83 Billion | -4.94pp |
| 2021-12-31 | 18.31% | $33.38 Billion | $182.35 Billion | +2.01pp |
| 2020-12-31 | 16.30% | $29.68 Billion | $182.16 Billion | +0.58pp |
| 2019-12-31 | 15.71% | $28.38 Billion | $180.64 Billion | +6.71pp |
| 2018-12-31 | 9.00% | $16.10 Billion | $178.87 Billion | +0.33pp |
| 2017-12-31 | 8.68% | $14.50 Billion | $167.15 Billion | +0.10pp |
| 2016-12-31 | 8.58% | $14.04 Billion | $163.73 Billion | -0.66pp |
| 2015-12-31 | 9.24% | $14.65 Billion | $158.58 Billion | -1.40pp |
| 2014-12-31 | 10.64% | $16.14 Billion | $151.63 Billion | -0.66pp |
| 2013-12-31 | 11.30% | $17.08 Billion | $151.17 Billion | +3.53pp |
| 2012-12-31 | 7.77% | $14.18 Billion | $182.39 Billion | +7.44pp |
| 2011-12-31 | 0.34% | $622.00 Million | $184.06 Billion | +0.20pp |
| 2010-12-31 | 0.14% | $240.00 Million | $172.01 Billion | -13.97pp |
| 2009-12-31 | 14.11% | $24.31 Billion | $172.31 Billion | +10.18pp |
| 2008-12-31 | 3.93% | $7.44 Billion | $189.48 Billion | -2.80pp |
| 2007-12-31 | 6.72% | $16.74 Billion | $248.94 Billion | +3.34pp |
| 2006-12-31 | 3.38% | $9.72 Billion | $287.44 Billion | +1.05pp |
| 2005-12-31 | 2.34% | $7.49 Billion | $320.56 Billion | +0.17pp |
| 2004-12-31 | 2.16% | $7.01 Billion | $324.14 Billion | -2.42pp |
| 2003-12-31 | 4.58% | $13.20 Billion | $288.16 Billion | -1.83pp |
| 2002-12-31 | 6.41% | $14.61 Billion | $227.73 Billion | +4.07pp |
| 2001-12-31 | 2.35% | $4.53 Billion | $192.72 Billion | -0.07pp |
| 2000-12-31 | 2.42% | $4.08 Billion | $168.47 Billion | -- |
About Ally Financial Inc
Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States, Canada, and Bermuda. The company operates through Automotive Finance Operations, Insurance Operations, Corporate Finance Operations, and Corporate and Other segments. It offers automotive financing services, including providing retail installment sales contract… Read more