Ally Financial (ALLY) Balance Sheet: Assets & Liabilities

Ally Financial (ALLY) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Ally Financial reported total assets of $196.00B and total liabilities of $180.50B. Shareholders' equity was $15.50B, up 11.5% from $13.90B a year earlier. Total debt stood at $21.22B against $10.03B in cash and short-term investments, a net debt position of $11.19B. That puts debt-to-equity at 1.37, compared with 1.38 a year earlier.

Ally Financial Balance Sheet Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Ally Financial Inc. (ALLY) - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	10.03	10.29	6.95	5.57	5.06	15.62	3.56	4.54	4.25
Short-Term Investments	19.27	19.01	19.72	25.64	33.38	29.69	28.38	16.10	14.50
Cash & Short-Term Investments	10.03	29.30	26.66	31.21	38.45	45.31	31.94	20.64	18.76
Accounts Receivable	0.94	0.93	0.94	0.79	0.60	0.87	0.71	0.80	0.67
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.55	0.00	0.00	0.00	0.00	0.55	0.55	0.53	0.51
Total Current Assets	147.39	30.54	27.78	32.16	39.17	46.73	33.20	21.97	19.93
Non-Current Assets
Property, Plant & Equipment (Net)	10.03	9.34	10.46	11.83	10.86	10.53	9.68	9.14	9.20
Long-Term Investments	0.72	0.63	0.65	0.61	0.47	123.61	132.14	134.54	126.72
Goodwill	0.19	0.55	0.67	0.82	0.82	0.34	0.39	0.24	0.24
Intangible Assets	0.00	0.05	0.07	0.10	0.13	0.05	0.07	0.06	0.00
Other Non-Current Assets	11.62	4.48	5.39	4.64	1.61	0.81	5.11	12.61	10.60
Total Non-Current Assets	48.62	161.29	168.55	159.66	142.94	135.44	147.45	156.90	147.22
Total Assets	196.00	191.84	196.33	191.83	182.11	182.17	180.64	178.87	167.15
Current Liabilities
Accounts Payable	1.15	1.40	1.37	0.84	0.79	1.01	1.18	1.04	1.12
Short-Term Debt	4.15	1.63	2.55	1.90	0.00	2.14	5.53	9.99	11.41
Accrued Liabilities	3.43	3.70	3.58	3.06	2.96	-	-	-	-
Deferred Revenue	3.66	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Liabilities	3.43	151.57	154.67	152.30	141.56	137.04	120.75	106.18	93.26
Total Current Liabilities	163.43	154.59	159.33	155.54	142.35	140.19	127.46	117.20	105.79
Non-Current Liabilities
Long-Term Debt	17.07	17.50	17.57	17.76	17.03	22.19	34.22	44.38	44.23
Deferred Tax Liabilities	0.00	0.00	0.00	0.00	0.01	0.09	0.07	0.02	0.00
Other Non-Current Liabilities	0.00	5.61	5.51	5.36	5.32	4.89	4.44	3.97	3.61
Total Non-Current Liabilities	17.07	23.34	23.30	23.43	22.71	27.28	38.77	48.40	47.86
Total Liabilities	180.50	177.93	182.63	178.97	165.06	167.46	166.23	165.60	153.65
Stockholders' Equity
Common Stock	22.30	22.14	21.98	21.82	21.67	21.54	21.44	21.35	21.25
Retained Earnings	0.63	0.27	0.09	-0.38	-1.60	-4.28	-4.06	-5.49	-6.41
Accumulated Other Comprehensive Income	-2.79	-3.92	-3.82	-4.06	-0.16	0.63	0.12	-0.54	-0.24
Treasury Stock	6.97	6.91	6.87	6.84	5.19	-	-	-	-
Additional Paid-in Capital	-6.95	-6.91	-6.87	-6.84	-5.19	-3.19	-3.09	-2.05	-1.11
Shares Outstanding	0.31	0.31	0.30	0.30	0.34	-	-	-	-
Total Stockholders' Equity	15.50	13.90	13.70	12.86	17.05	14.70	14.42	13.27	13.49
Total Liabilities & Equity	196.00	191.84	196.33	191.83	182.11	182.17	180.64	178.87	167.15

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Ally Financial Balance Sheet

How much debt does Ally Financial have?

Ally Financial had total debt of $21.22B as of Dec 31, 2025, against $10.03B in cash and short-term investments. Its debt-to-equity ratio was 1.37. Total debt was $19.12B a year earlier.

What are Ally Financial's total assets?

Ally Financial reported total assets of $196.00B as of Dec 31, 2025, up 2.2% from $191.84B a year earlier. Total liabilities were $180.50B.

What is Ally Financial's shareholders' equity?

Ally Financial's shareholders' equity was $15.50B as of Dec 31, 2025, or about $50.24 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition