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Ally Financial ALLY Automotive Finance operations — Provision for Credit Losses

Other segment segments

Corporate Finance operations
$8M-42.9%
Insurance operations
$0

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$20M+386%
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HBANAutomobile Finance And Commercial Real Estate — Provision For Loan And Lease Losses
$3.5M
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HBANVehicle Finance — Provision for loan and lease losses
-$9M-132%
ACR
ACRCommercial Finance — Provision For Loan And Lease Losses
-$44K-103%
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WTFCCommunity Banking — Provision For Loan Lease And Other Losses
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RJFBank — Bank loan provision for credit losses
$5M-68.8%

Other financials

Income statement

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Revenue$2.1B+36.4%
Net income$319.0M+242%
EPS (diluted)$0.93+213%

Balance sheet

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Cash & equivalents$11.2B-1.6%
Total debt$22.8B+26.9%
Total equity$15.6B+9.7%
Total assets$197.27B+2.0%

Cash flow

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Operating cash flow$1.4B+45.9%
CapEx-
Free cash flow$1.1B-2.9%

Valuation

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Market cap$13.94B+7.8%
Enterprise value$25.47B+33.3%
P/E10×-33.1×
P/S1.7×0.0×

Profitability

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Net margin16.5%+12.6pp
FCF margin55.3%

Returns & leverage

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Return on equity9.4%+7.2pp
Debt / equity1.5×+0.2×

Where this comes from

Reported directly by Ally Financial in its filing.

Tagged under the XBRL concept ally:FinancingReceivableAndOffBalanceSheetCreditLossExpenseReversalExcludingInterest.

The official record: Ally Financial’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Ally Financial's automotive finance operations — provision for credit losses?
Ally Financial (ALLY) reported automotive finance operations — provision for credit losses of $468M in Q1 2026.
How has Ally Financial's automotive finance operations — provision for credit losses changed year-over-year?
Ally Financial's automotive finance operations — provision for credit losses increased by 7.8% year-over-year, from $434M to $468M.
What is the long-term trend for Ally Financial's automotive finance operations — provision for credit losses?
Over 3 years (2022 to 2025), Ally Financial's automotive finance operations — provision for credit losses has grown at a 18.2% compound annual growth rate (CAGR), from $1.04B to $1.71B.
What does automotive finance operations — provision for credit losses mean?
The amount of money set aside to cover anticipated losses from bad auto loans.
How do you interpret automotive finance operations — provision for credit losses?
An increase often signals deteriorating credit quality or a more conservative economic outlook, while a decrease suggests improving portfolio health.
How does automotive finance operations — provision for credit losses compare across companies?
Standard provision for loan losses found in all commercial and consumer lending institutions.