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Ally Financial ALLY Allowance for credit losses

Allowance for credit losses at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$25.93B+2.9%
Capital One Financial logo
Capital One FinancialCOF
$23.63B+48.6%
Synchrony Financial logo
Synchrony FinancialSYF
$10.43B-3.7%
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$14.37B-1.2%
Charles Schwab Corporation logo
Charles Schwab CorporationSCHW
Assurant logo
AssurantAIZ

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 us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest.

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 allowance for credit losses?
Ally Financial (ALLY) reported allowance for credit losses of $3.54B in Q1 2026.
How has Ally Financial's allowance for credit losses changed year-over-year?
Ally Financial's allowance for credit losses increased by 4.2% year-over-year, from $3.4B to $3.54B.
What is the long-term trend for Ally Financial's allowance for credit losses?
Over 5 years (2020 to 2025), Ally Financial's allowance for credit losses has grown at a 1.2% compound annual growth rate (CAGR), from $3.28B to $3.49B.
What does allowance for credit losses mean?
The reserve fund set aside to cover expected losses from loans that may not be repaid.
How do you interpret allowance for credit losses?
An increase relative to gross loans often signals deteriorating credit quality or a more conservative economic outlook, while a decrease may signal improved credit conditions.
How does allowance for credit losses compare across companies?
Standard metric across all banks; compared via the 'Allowance to Total Loans' ratio.