Ally Financial Inc Net Assets
Ally Financial Inc net assets. 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. Also explore Ally Financial Inc annual equity growth to track the company's year-over-year net asset growth rate.
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 |
Net Assets of Ally Financial Inc (1999–2025)
Net assets of Ally Financial Inc from 1999 to 2025. This chart illustrates how Ally Financial Inc's net assets have evolved over time, based on quarterly financial data. See Ally Financial Inc (ALLY) net asset quality to measure how much of total assets are equity-financed.
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. For live market cap and overall valuation, see market cap of Ally Financial Inc.
| 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.
Ally Financial Inc Net Assets Breakdown (December 2025)
Ally Financial Inc net assets breakdown by equity component as of 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 |
|---|---|
|
Lululemon Athletica Inc.
NASDAQ:LULU
|
$12.15 Billion |
|
ZTO Express (Cayman) Inc
F:ZTOA
|
$12.15 Billion |
|
Skanska AB (publ)
ST:SKA-B
|
$12.16 Billion |
|
BANKINTER ADR 2007 EO-30
F:BAK
|
$12.16 Billion |
|
Aier Eye Hospital Group
SHE:300015
|
$12.14 Billion |
|
Deckers Outdoor Corporation
NYSE:DECK
|
$12.14 Billion |
|
Equity Lifestyle Properties Inc
NYSE:ELS
|
$12.12 Billion |
|
Macrotech Developers Limited
NSE:LODHA
|
$12.12 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: 0.80x
- 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 0.58x to 0.80x 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 | $39.36 | x |
| 2000-12-31 | $85.56 | $39.36 | x |
| 2001-12-31 | $98.31 | $39.36 | x |
| 2002-12-31 | $108.65 | $39.36 | x |
| 2003-12-31 | $81.69 | $39.36 | x |
| 2004-12-31 | $90.49 | $39.36 | x |
| 2005-12-31 | $87.54 | $39.36 | x |
| 2006-12-31 | $58.00 | $39.36 | x |
| 2007-12-31 | $62.83 | $39.36 | x |
| 2008-12-31 | $88.22 | $39.36 | x |
| 2009-12-31 | $84.12 | $39.36 | x |
| 2010-12-31 | $82.56 | $39.36 | x |
| 2011-12-31 | $40.19 | $39.36 | x |
| 2012-12-31 | $48.56 | $39.36 | x |
| 2013-12-31 | $29.61 | $39.36 | x |
| 2014-12-31 | $31.88 | $39.36 | x |
| 2015-12-31 | $27.83 | $39.36 | x |
| 2016-12-31 | $27.62 | $39.36 | x |
| 2017-12-31 | $29.63 | $39.36 | x |
| 2018-12-31 | $31.02 | $39.36 | x |
| 2019-12-31 | $36.46 | $39.36 | x |
| 2020-12-31 | $38.99 | $39.36 | x |
| 2021-12-31 | $46.69 | $39.36 | x |
| 2022-12-31 | $40.36 | $39.36 | x |
| 2023-12-31 | $44.91 | $39.36 | x |
| 2024-12-31 | $44.83 | $39.36 | x |
| 2025-12-31 | $49.31 | $39.36 | 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: $9,384,210,739
- Average return on equity (ROE) among peers: 14.17%
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 | $12.14 Billion |
| Affirm Holdings Inc (AFRM) | $-263.41 Million | 0.00% | 0.00x | $22.44 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $478.88 Million | 6.68% | 18.80x | $1.92 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $248.49 Million | 12.88% | 18.94x | $146.37 Million |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $41.06 Million |
| Atlanticus Holdings Corporation (ATLC) | $446.48 Million | 0.64% | 0.20x | $1.42 Billion |
| American Express Company (AXP) | $22.00 Billion | 31.46% | 7.59x | $215.64 Billion |
| Bread Financial Holdings, Inc. (BFH) | $2.63 Billion | 19.24% | 6.70x | $3.87 Billion |
| Credit Acceptance Corporation (CACC) | $702.20 Million | 37.91% | 2.97x | $5.18 Billion |
| Capital One Financial Corporation (COF) | $58.01 Billion | 9.56% | 5.73x | $126.57 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