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Ally Financial ALLY Home equity lines of credit

Home equity lines of credit at other companies

M&T Bank logo
M&T BankMTB
$7.91B-0.3%
Southern First Bancshares logo
Southern First BancsharesSFST
$262.53M+17.7%
Southern First Bancshares logo
Southern First BancsharesSFST
$745K+140%
Southern First Bancshares logo
Southern First BancsharesSFST
$745K+140%
Redwood Trust logo
Redwood TrustRWT
$341.1M-43.2%
TFS Financial logo
TFS FinancialTFSL
$2.47B-19.3%

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$14.2B+25.1%
Enterprise value$25.73B+44.0%
P/E10.2×-27.7×
P/S1.7×+0.2×

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:HomeEquityLinesOfCreditCommitments.

The official record: Ally Financial’s 10-K, filed February 25, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Ally Financial's home equity lines of credit?
Ally Financial (ALLY) reported home equity lines of credit of $97M in Q4 2025.
How has Ally Financial's home equity lines of credit changed year-over-year?
Ally Financial's home equity lines of credit decreased by 16.4% year-over-year, from $116M to $97M.
What is the long-term trend for Ally Financial's home equity lines of credit?
Over 5 years (2020 to 2025), Ally Financial's home equity lines of credit has grown at a -12.3% compound annual growth rate (CAGR), from $187M to $97M.
What does home equity lines of credit mean?
This represents the total undrawn capacity of home equity lines of credit (HELOCs) extended to consumers. It reflects the potential future demand for consumer credit secured by residential property. This is a key component of the bank's consumer lending risk profile.