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
Ally Financial Inc (ALLY) - Net Assets
Latest net assets as of December 2025: $15.50 Billion USD
Based on the latest financial reports, Ally Financial Inc (ALLY) has net assets worth $15.50 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($196.00 Billion) and total liabilities ($180.50 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $15.50 Billion |
| % of Total Assets | 7.91% |
| Annual Growth Rate | 1.28% |
| 5-Year Change | -9.1% |
| 10-Year Change | 16.38% |
| Growth Volatility | 15.53 |
Ally Financial Inc - Net Assets Trend (1999–2025)
This chart illustrates how Ally Financial Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Ally Financial Inc (1999–2025)
The table below shows the annual net assets of Ally Financial Inc from 1999 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $15.50 Billion | +11.47% |
| 2024-12-31 | $13.90 Billion | +1.46% |
| 2023-12-31 | $13.70 Billion | +6.56% |
| 2022-12-31 | $12.86 Billion | -24.58% |
| 2021-12-31 | $17.05 Billion | +15.96% |
| 2020-12-31 | $14.70 Billion | +1.99% |
| 2019-12-31 | $14.42 Billion | +8.65% |
| 2018-12-31 | $13.27 Billion | -1.67% |
| 2017-12-31 | $13.49 Billion | +1.33% |
| 2016-12-31 | $13.32 Billion | -0.91% |
| 2015-12-31 | $13.44 Billion | -12.73% |
| 2014-12-31 | $15.40 Billion | +8.38% |
| 2013-12-31 | $14.21 Billion | -29.08% |
| 2012-12-31 | $20.04 Billion | +3.92% |
| 2011-12-31 | $19.28 Billion | -5.90% |
| 2010-12-31 | $20.49 Billion | -1.68% |
| 2009-12-31 | $20.84 Billion | -4.64% |
| 2008-12-31 | $21.85 Billion | +40.40% |
| 2007-12-31 | $15.56 Billion | +8.32% |
| 2006-12-31 | $14.37 Billion | -33.74% |
| 2005-12-31 | $21.68 Billion | -3.27% |
| 2004-12-31 | $22.42 Billion | +10.78% |
| 2003-12-31 | $20.24 Billion | +13.49% |
| 2002-12-31 | $17.83 Billion | +10.52% |
| 2001-12-31 | $16.13 Billion | +14.91% |
| 2000-12-31 | $14.04 Billion | +26.25% |
| 1999-12-31 | $11.12 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Ally Financial Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 92.8% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $633.00 Million | 4.08% |
| Common Stock | $22.27 Billion | 143.71% |
| Other Comprehensive Income | $-2.79 Billion | -17.98% |
| Total Equity | $15.50 Billion | 100.00% |
Ally Financial Inc Competitors by Market Cap
The table below lists competitors of Ally Financial Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Zhongjin Gold Corp Ltd
SHG:600489
|
$10.35 Billion |
|
Singapore Exchange Limited
PINK:SPXCF
|
$10.37 Billion |
|
Smith (DS) PLC
PINK:DSSMY
|
$10.38 Billion |
|
Boliden AB
ST:BOL
|
$10.39 Billion |
|
YPF S.A. D
BA:YPFD
|
$10.34 Billion |
|
Luckin Coffee
PINK:LKNCY
|
$10.34 Billion |
|
Admiral Group plc
PINK:AMIGF
|
$10.33 Billion |
|
Cochlear Limited
PINK:CHEOF
|
$10.33 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Ally Financial Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 13,903,000,000 to 15,498,000,000, a change of 1,595,000,000 (11.5%).
- Net income of 852,000,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 1,138,000,000.
- Other factors decreased equity by 395,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $852.00 Million | +5.5% |
| Other Comprehensive Income | $1.14 Billion | +7.34% |
| Other Changes | $-395.00 Million | -2.55% |
| Total Change | $- | 11.47% |
Book Value vs Market Value Analysis
This analysis compares Ally Financial Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.76x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has increased from 0.55x to 0.76x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1999-12-31 | $67.78 | $37.36 | x |
| 2000-12-31 | $85.56 | $37.36 | x |
| 2001-12-31 | $98.31 | $37.36 | x |
| 2002-12-31 | $108.65 | $37.36 | x |
| 2003-12-31 | $81.69 | $37.36 | x |
| 2004-12-31 | $90.49 | $37.36 | x |
| 2005-12-31 | $87.54 | $37.36 | x |
| 2006-12-31 | $58.00 | $37.36 | x |
| 2007-12-31 | $62.83 | $37.36 | x |
| 2008-12-31 | $88.22 | $37.36 | x |
| 2009-12-31 | $84.12 | $37.36 | x |
| 2010-12-31 | $82.56 | $37.36 | x |
| 2011-12-31 | $40.19 | $37.36 | x |
| 2012-12-31 | $48.56 | $37.36 | x |
| 2013-12-31 | $29.61 | $37.36 | x |
| 2014-12-31 | $31.88 | $37.36 | x |
| 2015-12-31 | $27.83 | $37.36 | x |
| 2016-12-31 | $27.62 | $37.36 | x |
| 2017-12-31 | $29.63 | $37.36 | x |
| 2018-12-31 | $31.02 | $37.36 | x |
| 2019-12-31 | $36.46 | $37.36 | x |
| 2020-12-31 | $38.99 | $37.36 | x |
| 2021-12-31 | $46.69 | $37.36 | x |
| 2022-12-31 | $40.36 | $37.36 | x |
| 2023-12-31 | $44.91 | $37.36 | x |
| 2024-12-31 | $44.83 | $37.36 | x |
| 2025-12-31 | $49.31 | $37.36 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Ally Financial Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 5.50%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 7.01%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 12.65x
- Recent ROE (5.50%) is below the historical average (6.12%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1999 | 13.73% | 11.15% | 0.09x | 13.38x | $414.70 Million |
| 2000 | 11.41% | 16.65% | 0.06x | 12.00x | $197.90 Million |
| 2001 | 11.07% | 15.49% | 0.06x | 11.95x | $172.60 Million |
| 2002 | 10.49% | 10.58% | 0.08x | 12.77x | $86.90 Million |
| 2003 | 13.80% | 13.87% | 0.07x | 14.24x | $769.40 Million |
| 2004 | 12.91% | 9.24% | 0.10x | 14.46x | $652.30 Million |
| 2005 | 10.52% | 6.69% | 0.11x | 14.78x | $113.50 Million |
| 2006 | 14.79% | 6.01% | 0.12x | 20.00x | $688.10 Million |
| 2007 | -14.98% | -8.31% | 0.11x | 15.99x | $-3.89 Billion |
| 2008 | 8.55% | 8.81% | 0.11x | 8.67x | $-317.40 Million |
| 2009 | -49.42% | -63.84% | 0.09x | 8.27x | $-12.38 Billion |
| 2010 | 5.25% | 6.60% | 0.09x | 8.40x | $-973.90 Million |
| 2011 | -0.81% | -1.74% | 0.05x | 9.55x | $-2.08 Billion |
| 2012 | 5.97% | 11.88% | 0.06x | 9.10x | $-807.50 Million |
| 2013 | 2.54% | 3.75% | 0.06x | 10.64x | $-1.06 Billion |
| 2014 | 7.47% | 11.67% | 0.06x | 9.85x | $-389.90 Million |
| 2015 | 9.59% | 13.09% | 0.06x | 11.80x | $-54.90 Million |
| 2016 | 8.01% | 10.87% | 0.06x | 12.29x | $-264.70 Million |
| 2017 | 6.88% | 9.43% | 0.06x | 12.39x | $-420.40 Million |
| 2018 | 9.52% | 12.12% | 0.06x | 13.48x | $-63.80 Million |
| 2019 | 11.90% | 14.84% | 0.06x | 12.53x | $273.40 Million |
| 2020 | 7.38% | 14.21% | 0.04x | 12.39x | $-385.30 Million |
| 2021 | 17.95% | 34.34% | 0.05x | 10.70x | $1.35 Billion |
| 2022 | 13.33% | 18.35% | 0.05x | 14.92x | $428.10 Million |
| 2023 | 6.98% | 5.99% | 0.08x | 14.33x | $-413.30 Million |
| 2024 | 4.80% | 4.08% | 0.09x | 13.80x | $-722.30 Million |
| 2025 | 5.50% | 7.01% | 0.06x | 12.65x | $-697.80 Million |
Industry Comparison
This section compares Ally Financial Inc's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $45,353,747,353
- Average return on equity (ROE) among peers: 3.11%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Ally Financial Inc (ALLY) | $15.50 Billion | 13.73% | 11.65x | $10.34 Billion |
| Accord Financial Corp (ACCFF) | $103.96 Million | 11.43% | 4.00x | $8.00 Million |
| Acom Co. Ltd (ACJJF) | $306.73 Billion | 3.47% | 2.77x | $799.50 Million |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $13.28 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $47.20 Million | 1.69% | 11.77x | $1.51 Billion |
| Aiful Corp (AIFLF) | $97.47 Billion | -37.44% | 4.75x | $852.52 Million |
| Jianpu Technology Inc (AIJTY) | $520.74 Million | 20.38% | 0.93x | $16.37 Million |
| AIOS Tech Inc. (AIOS) | $40.53 Million | 17.61% | 0.35x | $2.83 Million |
| Alpha Investment Inc (ALPC) | $-38.66K | 0.00% | 0.00x | $166.69 Million |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $14.83 Million |