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Ally Financial ALLY Noninsurance contracts — Capitalized contract cost, net

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Other financials

Income statement

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Revenue$2.1B+36.4%
Net income$367.0M+4.3%
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$13.61B+18.8%
Enterprise value$25.14B+33.3%
P/E9.7×-16.8×

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 us-gaap:CapitalizedContractCostNet.

The source filing: Ally Financial’s 10-Q, filed May 5, 2026.

Filed
May 5, 2026, 5:21 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0000040729-26-000009

(c)We had deferred insurance assets of $1.8 billion at both March 31, 2026, and December 31, 2025, and recognized $138 million of expense during the three months ended March 31, 2026. We had deferred insurance assets of $1.8 billion at both March 31, 2025, and December 31, 2024, and recognized $141 million of expense during the three months ended March 31, 2025.

Item 1. Financial Statements

FAQ

What is Ally Financial's noninsurance contracts — capitalized contract cost, net?
Ally Financial (ALLY) reported noninsurance contracts — capitalized contract cost, net of $1.8B in Q1 2026.
How has Ally Financial's noninsurance contracts — capitalized contract cost, net changed year-over-year?
Ally Financial's noninsurance contracts — capitalized contract cost, net decreased by 0.0% year-over-year, from $1.8B to $1.8B.
What is the long-term trend for Ally Financial's noninsurance contracts — capitalized contract cost, net?
Over 4 years (2021 to 2025), Ally Financial's noninsurance contracts — capitalized contract cost, net has grown at a -1.0% compound annual growth rate (CAGR), from $7.5B to $7.2B.
What does noninsurance contracts — capitalized contract cost, net mean?
This metric represents the net balance of costs incurred to obtain or fulfill a contract that are capitalized as assets rather than expensed immediately. These costs are typically amortized over the expected life of the contract. It reflects the investment the company makes to secure and maintain its service-based revenue streams.

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