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Ally Financial ALLY Provision for Credit Losses

Provision for Credit Losses at other companies

Northern Trust logo
Northern TrustNTRS
-$3M-400%
PNC Financial Services logo
PNC Financial ServicesPNC
$210M-4.1%
Citizens Financial Group logo
Citizens Financial GroupCFG
$140M-8.5%
Northern Trust logo
Northern TrustNTRS
-$3M-400%
Huntington Bancshares logo
Huntington BancsharesHBAN
$158M+37.4%
First Horizon logo
First HorizonFHN
$15M-62.5%

Segments

By segment

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Automotive Finance operations$468M+7.8%
Corporate Finance operations$8M-42.9%
Insurance operations$0

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 provision for credit losses?
Ally Financial (ALLY) reported provision for credit losses of $467M in Q1 2026.
How has Ally Financial's provision for credit losses changed year-over-year?
Ally Financial's provision for credit losses increased by 144.5% year-over-year, from $191M to $467M.
What is the long-term trend for Ally Financial's provision for credit losses?
Over 3 years (2022 to 2025), Ally Financial's provision for credit losses has grown at a 1.8% compound annual growth rate (CAGR), from $1.4B to $1.48B.
What does provision for credit losses mean?
The estimated cost of loans that the company expects will not be repaid.
How do you interpret provision for credit losses?
An increase suggests deteriorating credit quality or a more conservative outlook on borrower defaults.
How does provision for credit losses compare across companies?
Standard for banks and lenders; peers are compared based on the ratio of this provision to total loans.